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 gated community home in St. Johns County.

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Active

Active·46 days on market·Beachwalk

436 Tortola Way

St. Johns, FL 32259

$925,000$235/sqftEst. $4,751/moMLS# 2154527

Beds

Baths

3,938

Sq Ft

2022

Built

Garage

Pool

About this home

Beachwalk

Conveniently located just a short walk or golf cart ride to the Beachwalk Crystal Lagoon, dining, and resort-style amenities. Welcome to this spacious 6BR/4.5BA home on a private cul-de-sac with tranquil preserve views. Designed for both everyday living and entertaining, the open floor plan features wide sliding glass doors, a chef's kitchen with oversized island, double ovens, drawer microwave, new range hood, and tile backsplash. The first floor includes a guest suite and potential for two office spaces, while upstairs offers four additional bedrooms and a large bonus room ideal for a media room, playroom, or gym. Enjoy a custom coffee and wine bar, wood-burning fireplace with stone surround and built-ins, new tile flooring throughout most of the first floor, and a lanai pre-plumbed for a summer kitchen. Relax on the front or rear porch and take advantage of the 3-car garage. Home is ready for pool and already permitted and approved by HOA. Whole house water softener and filtration.

Cost to own

Mortgage calculator

Home Price

$925,000

Down Payment: 20%

$185,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$4,751

Principal & Interest: $4,751

Property taxes (est.): $1,231

Insurance (est.): $617

Estimated Total Monthly

$6,598

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$4,751

Property taxesest. at asking price, St. Johns County$1,231

HOAbilled monthly$72

Estimated total, before insurance$6,053/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.

Cost to own

Taxes & assessment

Last sold: $694,200 in December 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2024	$691,793	$558,303	—
2023	$590,585	$540,585	—
2022	$140,000	$140,000	—
2021	$115,000	$115,000	—
2020	$28,500	$28,500	—

Estimated taxes if purchased at asking price: ~$14,800/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 (2024), 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 2022)

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

Solar potential: ~1,778 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 10, 2026Price change$925,000−$25,000
Jul 9, 2026Listed$950,000

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

Features

Price$925,000

Price / Sq Ft$235

Bedrooms6

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage3,938

Acres0.22 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

School Information

ElementaryLakeside Academy

MiddleLakeside Academy

HighBeachside

Community Information

Address436 Tortola Way, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionBeachwalk

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size9,583.2 sq ft

Parcel Number0237150400

ZoningResidential

Amenities

AmenitiesPool, Beach Access, Clubhouse, Dog Park, Fitness Center, Gated, Pickleball, Playground, Security, Tennis Court(s)

UtilitiesCable Available

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewTrees/Woods

Interior

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

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

HeatingCentral, Electric

CoolingCentral Air

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories2

LevelsTwo

LaundryUpper Level

SecuritySecurity Gate, Smoke Detector(s)