This home is in Beachwalk, St. Johns.

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Active

Active·32 days on market·Beachwalk

405 Rum Runner Way

St. Johns, FL 32259

$519,900$203/sqftEst. $2,767/moMLS# 2139819

Beds

Baths

2,558

Sq Ft

2023

Built

Garage

Pool

About this home

Beachwalk

CDD FEE PAID OFF on this gorgeous 4 bedroom 3 bath home located at Atlantic Isles in Beachwalk w/ it's 14 acre Crystal Lagoon and amazing Amenities. Just steps to the sand, tennis courts, clubhouse, fitness center, swim up bar & more. Open concept design greets you with a dramatic grand 2-story foyer entrance. Walk into the expansive great room, gourmet kitchen & dining room areas perfect for entertaining. Main floor includes a bed & bath ideal for guests, designated home office or playroom. Upstairs offers a spacious master bedroom retreat with private screened in balcony & expansive ensuite bathroom with tiled walk-in shower, separate vanities and an enormous walk-in closet. The beautiful, oversized fenced lot, screened lanai, and huge paver patio are great for family gathering. 220 outlet for your EV charger in Garage.

Cost to own

Mortgage calculator

Home Price

$519,900

Down Payment: 20%

$103,980

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,626

Principal & Interest: $2,626

Est. Taxes & Insurance: $657

Estimated Total Monthly

$3,283

*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$2,767

Property taxesest. at asking price, St. Johns County$692

HOAbilled monthly$390

Estimated total, before insurance$3,849/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: $590,000 in March 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$470,641	$470,641	—
2024	$491,081	$415,594	—
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): $7,978/yr

Estimated taxes if purchased at asking price: ~$8,300/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 2023)

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

Solar potential: ~1,723 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