Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Beachwalk, St. Johns — a waterfront home in St. Johns County.

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Active

Active·5 days on market·Beachwalk

126 Old Fort Trail

St. Johns, FL 32259

$498,500$220/sqftEst. $2,542/moMLS# 2151057

Beds

Baths

2,265

Sq Ft

2021

Built

Garage

Pool

About this home

Beachwalk

*4 bedrooms, 3.5 bathrooms in the highly sought-after Beachwalk community* *Built in 2021 with all major systems in excellent condition* *Open-concept kitchen, dining, and living area designed for everyday living and entertaining* *Custom electric fireplace with built-in media center* *Covered and screened paver lanai plus an extended paver patio with fire pit and water views* *First-floor primary suite featuring custom accent wall, spacious walk-in closet with built-ins, and luxurious en-suite bath* *Gourmet kitchen with white cabinetry, crown molding, stainless steel appliances, oversized island with breakfast bar, and generous pantry* *Functional laundry room with built-in cabinetry, separate from the garage entry, plus a convenient first-floor powder bath* *Upstairs offers three spacious bedrooms, two full bathrooms, and a versatile loft perfect for a media room or playroom.* *Enjoy exclusive access to Beachwalk's Crystal Lagoon*

Cost to own

Mortgage calculator

Home Price

$498,500

Down Payment: 20%

$99,700

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,542

Principal & Interest: $2,542

Property taxes (est.): $663

Insurance (est.): $332

Estimated Total Monthly

$3,537

*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$2,542

Property taxesest. at asking price, St. Johns County$663

HOAbilled quarterly$201

Estimated total, before insurance$3,406/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,318/yr · $777/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

Year	Market value	Taxable value	Change
2025	$420,031	$357,300	—
2024	$451,138	$346,523	—
2023	$387,330	$330,154	—
2022	$369,082	$319,082	—
2021	$65,000	$65,000	—
2020	$65,000	$64,886	—

2025 property taxes (current owner): $9,318/yr

Estimated taxes if purchased at asking price: ~$8,000/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 2021)

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

Solar potential: ~1,789 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

Price & status history

Jul 27, 2026Active$498,500
Jul 20, 2026Pending$498,500
Jun 17, 2026Listed$498,500

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

Features

Price$498,500

Price / Sq Ft$220

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,265

Acres0.14 acres

Year Built2021

TypeResidential

Sub-TypeSingle Family Residence

StyleCraftsman

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Direction FacesSouth

School Information

ElementaryLakeside Academy

MiddleLakeside Academy

HighBeachside

Community Information

Address126 Old Fort Trail, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionBeachwalk

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size6,098.4 sq ft

Parcel Number0237191670

Amenities

AmenitiesPool, Basketball Court, Beach Access, Children's Pool, Clubhouse, Dog Park, Fitness Center, Jogging Path, Maintenance Grounds, Park, Pickleball, Playground, Spa/Hot Tub, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewPond

Waterfront TypePond

Interior

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

AppliancesDishwasher, Disposal, Electric Range, Microwave, Refrigerator

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile

FireplaceYes

Fireplace FeaturesElectric

# of Stories2

LevelsTwo

LaundryIn Unit