This home is in Beachwalk, St. Johns.

1 / 39

Active Under Contract

Active Under Contract·45 days on market·Beachwalk

433 Rum Runner Way

St. Johns, FL 32259

$495,000$241/sqftEst. $2,635/moMLS# 2148007

Beds

Baths

2,052

Sq Ft

2023

Built

Garage

Pool

About this home

Beachwalk

Experience luxury coastal living in this stunning 2023 built home in Beachwalk's gated community of Atlantica Isles! HOA Covers: Lawn & Landscape, Irrigation,Exterior Insurance & Maintenance Termite & Pest Control. Enjoy Tax savings: CDD BOND FULLY PAID OFF. This rare floor plan features a main level primary suite boasting a tiled walk in shower, double vanity, & walk in closet. The open concept layout flows into a gourmet kitchen equipped with quartz countertops, ceiling height crown molded cabinets, a double oven, & a premium LG French door fridge with a craft ice maker. Enjoy the Shiplap wrapped electric fireplace or utilize the custom built in workspace. Upstairs, find a spacious loft/flex room, a large laundry room & two bedrooms w/ walk in closets. Indoor/outdoor living awaits with stackable sliding doors opening to a covered lanai, fully fenced yard, and peaceful pond views. Features direct beach/lagoon access, Shark Coating garage floors, + overhead storage. Turn-key perfect!

Cost to own

Mortgage calculator

Home Price

$495,000

Down Payment: 20%

$99,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,516

Principal & Interest: $2,516

Est. Taxes & Insurance: $629

Estimated Total Monthly

$3,145

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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$2,635

Property taxesest. at asking price, St. Johns County$659

HOAbilled monthly$390

Estimated total, before insurance$3,683/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	$416,917	$366,195	—
2024	$437,555	$437,555	—
2023	$115,000	$115,000	—
2022	$134,400	$132,000	—
2021	$120,000	$120,000	—
2020	$110,000	$110,000	—

Estimated taxes if purchased at asking price: ~$7,900/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

Price & status history

Jun 1, 2026Listed$495,000

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

Features

Price$495,000

Price / Sq Ft$241

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,052

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

School Information

ElementaryLakeside Academy

MiddleLakeside Academy

HighBeachside

Community Information

Address433 Rum Runner Way, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionBeachwalk

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Parcel Number0237170550

Amenities

AmenitiesPool, Clubhouse, Dog Park, Fitness Center, Gated, Jogging Path, Maintenance Grounds, Park, Pickleball, Playground, Tennis Court(s)

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Gas Range, Microwave, Refrigerator, Tankless Water Heater

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Garage, In Unit, Upper Level, Washer Hookup

SecuritySmoke Detector(s)