This home is in Twin Creeks North, St. Johns.

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Active·137 days on market·Twin Creeks North

72 Clifton Bay Loop

St. Johns, FL 32259

$399,900$211/sqftEst. $2,128/moMLS# 2131019

Beds

Baths

1,895

Sq Ft

2021

Built

Garage

Pool

About this home

Twin Creeks North

**100% Financing Available** Welcome to your dream home at 72 Clifton Bay Loop in St Johns! Nestled in the sought-after Beachwalk community, this property offers a unique blend of luxury living and spectacular amenities, all within the top-rated school district of St. Johns County. This stunning residence proudly stands at 1895 sq ft, featuring a thoughtful open floor plan with 4 spacious bedrooms. High ceilings enhance the airy and inviting atmosphere. Residents of Beachwalk relish exclusive access to the community's crown jewel, the Crystal Lagoon. Imagine the bliss of sandy beaches, waterslides, and cabanas, all complemented by a swim-up bar for those leisurely weekend vibes. Additional top-tier facilities include a clubhouse with its own restaurant and bar, a cutting-edge fitness center, tennis and pickleball courts, a putting green, a dog splash park, playgrounds, and extensive walking path

Cost to own

Mortgage calculator

Home Price

$399,900

Down Payment: 20%

$79,980

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,033

Principal & Interest: $2,033

Est. Taxes & Insurance: $508

Estimated Total Monthly

$2,541

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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$2,128

Property taxesest. at asking price, St. Johns County$532

HOAbilled quarterly$234

Estimated total, before insurance$2,895/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

Year	Market value	Taxable value	Change
2025	$393,253	$393,253	—
2024	$422,780	$403,699	—
2023	$366,999	$366,999	—
2022	$349,123	$349,123	—
2021	$65,000	$65,000	—
2020	$65,000	$64,886	—

2025 property taxes (current owner): $5,297/yr

Estimated taxes if purchased at asking price: ~$6,400/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: material not specified — year not disclosed (home built 2021)

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

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