This home is in Beachwalk, St. Johns.

No photos available

This listing has no photos yet

No photos available

This listing has no photos yet

Active

Active·Listed today·Beachwalk

244 Rum Runner Way

St. Johns, FL 32259

$645,000$243/sqftEst. $3,289/moMLS# 2156988

Beds

Baths

2,649

Sq Ft

2020

Built

Garage

Pool

About this home

Beachwalk

Welcome to paradise in St. Johns' premier resort-style community, Beachwalk! Built by Americrest Homes, this ''Nautica'' floor plan blends modern luxury with effortless indoor-outdoor coastal living. Open-Concept Design: Tall, voluminous ceilings amplify natural light across the seamless great room, dining area, and chef's kitchen. Gourmet Kitchen: Features a massive quartz island, 42'' premium cabinetry, walk-in pantry, and built-in gas cooktop. Indoor-Outdoor Flow: Stacked sliding pocket doors slide away to reveal a spacious covered rear terrace with direct lake views. Primary Suite: Positioned on the 2nd floor for optimal water views, complete with a private walk-out balcony to watch sunsets. Spa-Like Bath: Dual vanities, custom walk-in close & a freestanding floating soaking tub. Flex Space & Privacy: A central loft buffers the primary wing from 2 spacious guest bedrooms. Golf-cart friendly access to Beachwalk's famous 14-acre Crystal Lagoon, swim-up bar, fitness center, ten

Cost to own

Mortgage calculator

Home Price

$645,000

Down Payment: 20%

$129,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,289

Principal & Interest: $3,289

Property taxes (est.): $858

Insurance (est.): $430

Estimated Total Monthly

$4,577

*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$3,289

Property taxesest. at asking price, St. Johns County$858

HOAbilled monthly$335

Estimated total, before insurance$4,482/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$11,489/yr · $957/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

2025 property taxes (current owner): $11,489/yr

Estimated taxes if purchased at asking price: ~$10,300/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, NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Metal — year not disclosed (home built 2020)

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

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 29, 2026Active$645,000
Jul 24, 2026Listed$645,000

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

Features

Price$645,000

Price / Sq Ft$243

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,649

Acres0.16 acres

Year Built2020

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

School Information

ElementaryLiberty Pines Academy

MiddleLiberty Pines Academy

HighBeachside

Community Information

Address244 Rum Runner Way, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionAtlantica Isles

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size6,969.6 sq ft

Parcel Number0237170640

Amenities

AmenitiesPool, Clubhouse, Dog Park, Fitness Center, Gated, Jogging Path, Maintenance Grounds, Management - Off Site, Playground, Shuffleboard Court, Tennis Court(s)

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

SewerPublic Sewer

Water SourcePublic

ParkingGarage

ViewPond, Water

Waterfront TypePond