This home is in Beachwalk, St. Johns.

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Active

Active·154 days on market·Beachwalk

32 Waterline Drive

St. Johns, FL 32259

$624,900$245/sqftEst. $3,326/moMLS# 2129547

Beds

Baths

2,555

Sq Ft

2020

Built

Garage

Pool

About this home

Beachwalk

32 Waterline Drive brings the Caribbean lifestyle to St. Johns, Florida! Located in the highly sought-after Beachwalk community, this beautifully upgraded home offers luxury coastal living just moments from the breathtaking 14-acre crystal lagoon. Seller to pay one time $5,000 initiation fee w/ acceptable offer. This thoughtfully enhanced single-story home showcases refined finishes and designer touches throughout. Features include a gas fireplace with custom illuminated built-ins, crown molding, and newly customized organizers in the spacious primary closet. The open-concept layout blends comfort and elegance, creating the perfect space for everyday living and entertaining. Enjoy a short walk or golf cart ride to Beachwalk's world-class amenities, including white-sand beaches, kayaking, paddleboarding, swim-up bar, and a true resort-style atmosphere that feels like vacation every day. Residents also benefit from top-rated St. Johns County schools, convenient access to shoppin

Cost to own

Mortgage calculator

Home Price

$624,900

Down Payment: 20%

$124,980

Interest Rate: 6.49%

Loan Term

Monthly Payment

$3,157

Principal & Interest: $3,157

Est. Taxes & Insurance: $789

Estimated Total Monthly

$3,946

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.0% · 30yr$3,326

Property taxesest. at asking price, St. Johns County$832

HOAbilled monthly$162

Estimated total, before insurance$4,320/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.

Cost to own

Taxes & assessment

Last sold: $658,500 in June 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$571,674	$571,674	—
2024	$552,724	$336,403	—
2023	$506,903	$325,149	—
2022	$518,330	$314,222	—
2021	$414,865	$303,614	—
2020	$88,000	$88,000	—

2025 property taxes (current owner): $12,156/yr

Estimated taxes if purchased at asking price: ~$10,000/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 1,595 current St. Johns listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Metal — year not disclosed (home built 2020)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,784 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Feb 11, 2026Listed$624,900

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$624,900

Price / Sq Ft$245

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,555

Total Structure Area3,551 sq ft

Acres0.16 acres

Year Built2020

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

Direction FacesNorth

School Information

ElementaryLakeside Academy

MiddleLakeside Academy

HighBeachside

Community Information

Address32 Waterline Drive, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionBeachwalk

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size6,969.6 sq ft

Parcel Number0237181040

ZoningPUD

Amenities

AmenitiesPool, Clubhouse, Dog Park, Fitness Center, Jogging Path, Maintenance Grounds, Management - Full Time, Management- On Site, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Connected, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener, Off Street

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Smart Thermostat, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, Dryer, Electric Oven, Gas Cooktop, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Sink, Washer Hookup

SecuritySecurity Gate