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

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Active·83 days on market·Twin Creeks North

495 Marquesa Circle

St. Johns, FL 32259

$1,150,000$451/sqftEst. $6,121/moMLS# 2141427

Beds

Baths

2,549

Sq Ft

2023

Built

Garage

Pool

About this home

Twin Creeks North

Welcome to resort-style living in the highly desirable Beachwalk community. This stunning 4-bedroom, 3-bathroom home offers 2,549 sq ft of beautifully designed living space and is being sold fully furnished, making it move-in or rental ready. Enjoy serene lagoon views from your backyard, creating the perfect setting for relaxing mornings and peaceful evenings. The open-concept floor plan is filled with natural light, with spacious living and dining areas ideal for entertaining or relaxing. Property Highlights: 4 Bedrooms | 3 Bathrooms | 2,549 Sq Ft Fully furnished - turnkey opportunity Lagoon-front views CDD bond paid off - major long-term savings Includes two golf carts Modern kitchen with stylish finishes Seamless indoor-outdoor living Located in the highly rated St. Johns County School District, adding strong long-term value and appeal.

Cost to own

Mortgage calculator

Home Price

$1,150,000

Down Payment: 20%

$230,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$5,809

Principal & Interest: $5,809

Est. Taxes & Insurance: $1,452

Estimated Total Monthly

$7,261

*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$6,121

Property taxesest. at asking price, St. Johns County$1,530

HOAbilled quarterly$248

Estimated total, before insurance$7,899/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: $852,700 in May 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$664,949	$664,949	—
2024	$647,416	$647,416	—
2023	$160,000	$160,000	—
2022	$162,400	$162,400	—
2021	$120,000	$120,000	—
2020	$120,000	$120,000	—

Estimated taxes if purchased at asking price: ~$18,400/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 2023)

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

Solar potential: ~1,667 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