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

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Active

Active·81 days on market·Twin Creeks North

84 Kapalua Place

St. Johns, FL 32259

$1,100,000$299/sqftEst. $5,855/moMLS# 2141861

Beds

Baths

3,682

Sq Ft

2022

Built

Garage

Yes

Pool

About this home

Twin Creeks North

Welcome to luxury living in the highly sought-after Beachwalk community of St. Johns, home to a breathtaking 14-acre crystal lagoon that defines resort-style living in Northeast Florida. This exceptional single-family home features 5 bedrooms and 4 bathrooms 3 car garage, offering a spacious, thoughtfully designed layout filled with natural light, elegant finishes, and modern touches. A durable metal roof adds both long-term value and sleek curb appeal. Step outside to your private backyard retreat with serene water views, a resort-style pool, and a fully equipped outdoor kitchen--perfect for entertaining or relaxing. Beachwalk residents enjoy world-class amenities, including the lagoon with white sand beaches, kayaking, paddleboarding, and a swim-up bar, plus a clubhouse, fitness center, dining, and a kids' club (fee applies). This home offers the perfect blend of luxury, comfort, and lifestyle.

Cost to own

Mortgage calculator

Home Price

$1,100,000

Down Payment: 20%

$220,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$5,556

Principal & Interest: $5,556

Est. Taxes & Insurance: $1,389

Estimated Total Monthly

$6,946

*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$5,855

Property taxesest. at asking price, St. Johns County$1,464

HOAbilled quarterly$237

Estimated total, before insurance$7,555/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: $871,700 in October 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$948,926	$806,688	—
2024	$833,650	$783,246	—
2023	$704,106	$654,106	—
2022	$140,000	$140,000	—
2021	$115,000	$66,550	—
2020	$110,000	$60,500	—

Estimated taxes if purchased at asking price: ~$17,600/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 2022)

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

Solar potential: ~1,757 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