This home is in Beachwalk, St. Johns.

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Active

Active·49 days on market·Beachwalk

45 Rum Runner Way

St. Johns, FL 32259

$675,000$265/sqftEst. $3,593/moMLS# 2147234

Beds

Baths

2,549

Sq Ft

2024

Built

Garage

Pool

About this home

Beachwalk

*LISTED $325,000 LESS THAN THE COMPS* *HIGH QUALITY UPGRADES *CDD BOND PAID OFF*2026 CLUB FEES PAID! This pristine 3 bedroom, 2.5 bathroom luxury villa in Beachwalk is a must see in person. The home looks and feels as if it has never been lived in, reflecting exceptional cleanliness and care throughout. Custom plantation shutters are featured in every room. Seller just installed $10,000 in brand new engineered hardwood flooring upstairs, so you'll enjoy fresh, beautiful finishes from day one. All bedrooms are upstairs, including the primary suite with a private balcony overlooking the fountain and pond. The open floor plan offers a gourmet kitchen and spacious living area with large sliding doors that open fully for seamless indoor-outdoor living. Enjoy an extended paver patio ideal for entertaining, with ample space for a hot tub and private gated access to the pathway leading directly to the Beachwalk lagoon. Palm trees line the gated entrance, creating a true resort-style welcome

Cost to own

Mortgage calculator

Home Price

$675,000

Down Payment: 20%

$135,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$3,410

Principal & Interest: $3,410

Est. Taxes & Insurance: $852

Estimated Total Monthly

$4,262

*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$3,593

Property taxesest. at asking price, St. Johns County$898

HOAbilled monthly$390

Estimated total, before insurance$4,880/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: $1,750,800 in March 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$574,909	$0	—
2024	$195,000	$195,000	—
2023	$175,000	$175,000	—
2022	$168,000	$165,000	—
2021	$150,000	$150,000	—
2020	$110,000	$110,000	—

2025 property taxes (current owner): $1,640/yr

Estimated taxes if purchased at asking price: ~$10,800/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 2024)

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

Solar potential: ~1,765 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

Price & status history

Jul 14, 2026Price change$675,000−$24,000
May 27, 2026Listed$699,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$675,000

Price / Sq Ft$265

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,549

Acres0.11 acres

Year Built2024

TypeResidential

Sub-TypeTownhouse

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

Community Information

Address45 Rum Runner Way, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionAtlantica Isles

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size4,791.6 sq ft

Parcel Number0237170010

Amenities

AmenitiesPool, Clubhouse, Dog Park, Fitness Center, Gated, Jogging Path, Maintenance Grounds, Management - Part Time, Management- On Site, Playground, Tennis Court(s)

UtilitiesCable Available, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener, Off Street

ViewPond