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 home near Beachside High School.

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Active

Active·46 days on market·Beachwalk

342 Rum Runner Way

St. Johns, FL 32259

$559,000$258/sqftEst. $2,883/moMLS# 2152168

Beds

Baths

2,163

Sq Ft

2024

Built

Garage

Pool

About this home

Beachwalk

Open House Sunday 11-1 Great news! The CDD Bond is paid off AND the Seller is offering up to $15,000 towards buyer closing costs on this not so average townhome. Highly desired floorplan with minimal attachment to next-door unit and a huge yard with a water view. Since only a small garage storage space shares a wall and the owner entrances are on opposite sides, this unit has the feel of a private, single-family home rather than a townhome. 4 bedrooms plus a loft. 4 bathrooms, including a half-bath on the 1st floor. The outdoor experience has been enhanced with a freshly screened-in rear patio, creating the perfect private oasis to take in the water views. Inside, the home has been meticulously upgraded with a water softener, a reverse osmosis water dispenser, an upgraded premium interior refrigerator, Maytag washer/dryer and a ''like new'' personal sauna that is included with the sale. The pristine garage features durable epoxy flooring and a 2nd refrigerator for extra storage.

Cost to own

Mortgage calculator

Home Price

$559,000

Down Payment: 20%

$111,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,883

Principal & Interest: $2,883

Property taxes (est.): $744

Insurance (est.): $373

Estimated Total Monthly

$3,999

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$2,883

Property taxesest. at asking price, St. Johns County$744

HOAbilled quarterly$542

Estimated total, before insurance$4,169/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,458/yr · $621/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, 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

Last sold: $1,750,800 in March 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$431,991	$431,991	—
2024	$120,000	$120,000	—
2023	$115,000	$115,000	—
2022	$134,400	$132,000	—
2021	$120,000	$120,000	—
2020	$110,000	$110,000	—

2025 property taxes (current owner): $7,458/yr

Estimated taxes if purchased at asking price: ~$8,900/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: Shingle — year not disclosed (home built 2024)

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

Solar potential: ~1,782 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

Jun 26, 2026Listed$559,000

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

Features

Price$559,000

Price / Sq Ft$258

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,163

Total Structure Area2,876 sq ft

Year Built2024

TypeResidential

Sub-TypeTownhouse

StyleTraditional, Villa

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

Direction FacesSouth

School Information

ElementaryLiberty Pines Academy

MiddleLiberty Pines Academy

HighBeachside

Community Information

Address342 Rum Runner Way, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionBeachwalk

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Dimensions45x100

Parcel Number0237170710

Amenities

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

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

SewerPublic Sewer

Water SourcePublic

Green / EnergyWater Heater

ParkingGarage, Garage Door Opener

ViewPond, Water

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Pantry, Smart Thermostat, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Gas Cooktop, Gas Oven, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Gas Dryer Hookup, In Unit, Lower Level, Washer Hookup

SecurityCarbon Monoxide Detector(s), Key Card Entry, Security Gate, Smoke Detector(s)