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

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Active·128 days on market·Twin Creeks North

147 Clifton Bay Loop

St. Johns, FL 32259

$479,000$247/sqftEst. $2,549/moMLS# 2134071

Beds

Baths

1,943

Sq Ft

2020

Built

Garage

Pool

About this home

Twin Creeks North

Welcome to 147 Clifton Bay Loop, an exceptional waterfront home in the highly sought-after Beachwalk community, where everyday living feels like a resort getaway. Perfectly positioned on one of the best waterfront lots in Beachwalk, this beautifully updated home offers stunning water views that create a peaceful backdrop to daily life. Inside, the home features modern design, spacious living areas, and numerous thoughtful upgrades throughout. Outside to your fully fenced backyard and custom outdoor kitchen,excellent for entertaining while enjoying breathtaking sunset views over the water. Beachwalk residents enjoy access to the community's world-class crystal lagoon, complete with beaches, swimming, kayaking, and paddleboarding--creating a true coastal lifestyle. Located in St. Johns County, known for top-rated schools and convenient access to dining, shopping, and Jacksonville. This is resort-style waterfront living at its finest.

Cost to own

Mortgage calculator

Home Price

$479,000

Down Payment: 20%

$95,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,435

Principal & Interest: $2,435

Est. Taxes & Insurance: $609

Estimated Total Monthly

$3,043

*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$2,549

Property taxesest. at asking price, St. Johns County$637

HOAbilled monthly$168

Estimated total, before insurance$3,355/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	$407,142	$407,142	—
2024	$437,613	$408,666	—
2023	$379,872	$371,515	—
2022	$361,471	$337,741	—
2021	$307,037	$307,037	—
2020	$65,000	$65,000	▼ $230,506

2025 property taxes (current owner): $9,828/yr

Estimated taxes if purchased at asking price: ~$7,600/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 2020)

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

Solar potential: ~1,633 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