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

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Active·60 days on market·Twin Creeks North

524 Boracay Circle

St. Johns, FL 32259

$279,000$159/sqftEst. $1,423/moMLS# 2140535

Beds

Baths

1,750

Sq Ft

2022

Built

Garage

Pool

About this home

Twin Creeks North

Some homes just feel right. Plus, this seller is MOTIVATED too! With an extra-long driveway, a private garage, and an end-unit position that gives you breathing room on all sides, this Beachwalk townhome already stands apart before you even step inside. Inside, three bedrooms and 2.5 baths are laid out across a smart, open floor plan built for real life. Easy mornings, relaxed evenings, and guests who never want to leave. Clean finishes, natural light, and a screened lanai out back round it all out nicely backing up to preserve land. Then there's Beachwalk commmunity itself: A 14-acre crystal lagoon with white sandy beaches, waterslides, a swim-up bar, kayaking, tennis, pickleball, a fitness center, and a dog park all from your door. The yard work? Handled. The lifestyle? Fully loaded. Historic downtown St. Augustine is minutes away. The beach isn't far behind. And downtown Jacksonville and the airport to the north in under an hour.

Cost to own

Mortgage calculator

Home Price

$279,000

Down Payment: 20%

$55,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,423

Principal & Interest: $1,423

Property taxes (est.): $371

Insurance (est.): $186

Estimated Total Monthly

$1,980

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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

True monthly cost

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

Principal & interest20% down · 6.58% · 30yr$1,423

Property taxesest. at asking price, St. Johns County$371

HOAbilled monthly$381

Estimated total, before insurance$2,175/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,690/yr · $557/mo

This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.

• 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).

Cost to own

Taxes & assessment

Last sold: $340,000 in November 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$294,537	$294,537	—
2024	$296,925	$296,925	—
2023	$273,442	$273,442	—

2025 property taxes (current owner): $6,690/yr

Estimated taxes if purchased at asking price: ~$4,500/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: Shingle — year not disclosed (home built 2022)

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

Solar potential: ~1,756 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

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History