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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Beachwalk, St. Johns — a waterfront home in St. Johns County.

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Sold

Sold·Closed Jun 5, 2026·24 days on market·Recent sales in Beachwalk·Beachwalk

439 Rum Runner Way

St. Johns, FL 32259

$492,000sold priceListed at $499,000 · 98.6% of asking$240/sqftMLS# 2138212
3
Beds
2.5
Baths
2,052
Sq Ft
2023
Built
2
Garage
No
Pool

5 more homes for sale in Beachwalk →Search Beachwalk on the map

HOA $553/mo5,227 sqft lotWaterfrontTownhouse2 stories

About this home

Beachwalk

Experience elevated coastal living in this impeccably upgraded 2023 residence, ideally positioned within Beachwalk's exclusive gated enclave of Atlantica Isles. With the CDD Bond fully paid, this home offers a rare blend of luxury and value. The main level primary suite provides refined comfort, while the open concept design showcases a gourmet kitchen appointed with quartz countertops, ceiling height cabinetry with crown molding, subway tile backsplash, and premium stainless steel appliances--including an LG zero clearance French door refrigerator. An expansive island anchors the space, flowing seamlessly into the sophisticated living and dining areas enhanced by a SimpliFire electric fireplace. A screened and covered lanai invites serene living with tranquil pond views, shark coated flooring, a mounted TV, and a convenient doggie door. The fully fenced backyard adds privacy and ease. The second level offers two well appointed bedrooms, a full bath, a generous loft/flex space, and

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$2,725
Property taxesest. at asking price, St. Johns County$655
HOAbilled quarterly$553
Estimated total, before insurance$3,933/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,897/yr · $408/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, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
  • • 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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$492,000
$98,400
Loan Term
Monthly Payment
$2,725
Principal & Interest: $2,725
Property taxes (est.): $655
Insurance (est.): $328
Estimated Total Monthly
$3,708
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

Taxes & assessment

Last sold: $1,750,800 in March 2023(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$416,917$229,863—
2024$437,555$437,555—
2023$115,000$115,000—
2022$134,400$132,000—
2021$120,000$120,000—
2020$110,000$110,000—

2025 property taxes (current owner): $4,897/yr

Estimated taxes if purchased at asking price: ~$7,900/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.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $204/sq ft; this home is listed at $243/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
662 Rum Runner Way, St. Johns, FL 32259Listed by WATSON REALTY CORPJul 2026$607,500$2383/3.52,557770.1
668 Rum Runner Way, St. Johns, FL 32259Listed by WATSON REALTY CORPJun 2026$510,000$2044/32,5031310.1
413 Marquesa Circle, St. Johns, FL 32259Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$900,000$3393/2.52,6571750.4
32 Tamar Court, St. Augustine, FL 32095Listed by WATSON REALTY CORPJun 2026$365,000$1753/2.52,081840.4
134 Tamar Court, St. Augustine, FL 32095Listed by LPT REALTY LLCJun 2026$364,990$1753/2.52,08160.4
202 Boracay Circle, St. Johns, FL 32259Listed by FLORIDA'S CHOICE REALTY LLCMay 2026$295,000$1693/2.51,7501160.6

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$499,000
Price / Sq Ft$243
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,052
Acres0.12 acres
Year Built2023
TypeResidential
Sub-TypeTownhouse
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontYes

School Information

Community Information

Address439 Rum Runner Way, St. Johns, FL 32259
Area301-Julington Creek/Switzerland
SubdivisionAtlantica Isles
CitySt. Johns
CountySt. Johns
StateFL
Zip Code32259
Lot Size5,227.2 sq ft
Parcel Number0237170560

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage
ViewLake
Waterfront TypeLake Front

Interior

AppliancesDryer, Microwave, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air
# of Stories2
LevelsTwo

Exterior

Patio / PorchCovered, Rear Porch

Additional Information

Date ListedApril 3, 2026
Days on Market24
HOA Fees$1,660 / Quarterly
HOA FrequencyQuarterly
Tax Amount$4,896.77
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES, FLORIDA NETWORK REALTY

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Beachwalk

Beachwalk is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32259.

View all Beachwalk homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jun 5, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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