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·45 days on market·Beachwalk

106 Rum Runner Way

St. Johns, FL 32259

$679,000$220/sqftEst. $3,502/moMLS# 2152681

Beds

Baths

3,083

Sq Ft

2022

Built

Garage

Pool

About this home

Beachwalk

Experience the best of Beachwalk living in this exceptional resort-style townhome, ideally located in Atlantica Isles-a gated enclave within the Beachwalk community. With over 3,000 square feet, this spacious 4-bedroom, 3.5-bath home offers the perfect blend of comfort, style, and everyday luxury. Inside, you'll find an inviting open floor plan designed for both relaxed living and effortless entertaining. The kitchen is timeless and well-appointed, featuring generous counter space, ample storage, and an elegant design that flows seamlessly into the main living areas. A striking staircase serves as a beautiful focal point, enhancing the home's thoughtful layout. Upstairs, the oversized owner's suite lives like a private retreat, complete with a built-in wet bar and access to a sprawling balcony overlooking peaceful pond views, where the sound of the water creates a calm, serene setting. The spa-like bathroom offers an oversized shower and spacious walk-in closets.

Cost to own

Mortgage calculator

Home Price

$679,000

Down Payment: 20%

$135,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$3,502

Principal & Interest: $3,502

Property taxes (est.): $904

Insurance (est.): $453

Estimated Total Monthly

$4,858

*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$3,502

Property taxesest. at asking price, St. Johns County$904

HOAbilled quarterly$542

Estimated total, before insurance$4,947/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$12,224/yr · $1,019/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: $641,400 in June 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$554,621	$554,621	—
2024	$575,706	$575,706	—
2023	$531,092	$531,092	—
2022	$134,400	$132,000	—
2021	$120,000	$120,000	—
2020	$110,000	$110,000	—

2025 property taxes (current owner): $12,224/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: 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: ~1,773 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

Aug 3, 2026Price change$679,000−$16,000
Jun 26, 2026Listed$695,000

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

Features

Price$679,000

Price / Sq Ft$220

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,083

Acres0.13 acres

Year Built2022

TypeResidential

Sub-TypeTownhouse

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

School Information

ElementaryLiberty Pines Academy

MiddleAlice B. Landrum

HighBeachside

Community Information

Address106 Rum Runner Way, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionBeachwalk

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size5,662.8 sq ft

Parcel Number0237171280

ZoningResidential

Amenities

AmenitiesPool, Beach Access, Children's Pool, Clubhouse, Dog Park, Fitness Center, Gated, Park, Playground, Tennis Court(s)

UtilitiesElectricity Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewPond, Water

Waterfront TypePond

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Jack and Jill Bath, Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Gas Cooktop, Gas Range, Tankless Water Heater, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Laminate

# of Stories2

LevelsTwo

LaundryUpper Level