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·Listed today·Beachwalk

103 Rum Runner Way

St. Johns, FL 32259

$890,000$349/sqftEst. $4,538/moMLS# 2157839

Beds

Baths

2,549

Sq Ft

2019

Built

Garage

Pool

About this home

Beachwalk

CDD bond paid off!! Located in the Atlantic Isles section of Beachwalk with private access to the lagoon, this home offers the best of maintenance-free living in a true resort-style setting. Walk out your back door and into the Caribbean-like atmosphere just minutes from the Crystal Lagoon. Meet your neighbors for lunch or dinner at the swim-up bar or restaurant with outdoor dining, or enjoy paddleboards, kayaks, the putting green, and tennis courts. This sought-after community offers only a select number of homes with views of the sandy beach and 14-acre crystal-clear lagoon. Inside, a California Closet System in the Primary leads the list of interior upgrades, followed by new flooring in the guest bedrooms, creating a fresh and elevated feel throughout. The chef's dream kitchen opens to the spacious family room and eat-in area, while a 4-door pocket slider extends the living space to the screened patio, which is plumbed for water and gas, creating the perfect space for entertaining.

Cost to own

Mortgage calculator

Home Price

$890,000

Down Payment: 20%

$178,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$4,538

Principal & Interest: $4,538

Property taxes (est.): $1,184

Insurance (est.): $593

Estimated Total Monthly

$6,315

*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$4,538

Property taxesest. at asking price, St. Johns County$1,184

HOAbilled monthly$335

Estimated total, before insurance$6,058/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$11,577/yr · $965/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): $11,577/yr

Estimated taxes if purchased at asking price: ~$14,200/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.

History

Price & status history

Jul 30, 2026Listed$890,000

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

Features

Price$890,000

Price / Sq Ft$349

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,549

Acres0.12 acres

Year Built2019

TypeResidential

Sub-TypeTownhouse

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

School Information

ElementaryLakeside Academy

MiddleLakeside Academy

HighBeachside

Community Information

Address103 Rum Runner Way, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionBeachwalk

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size5,227.2 sq ft

Parcel Number0237170100

ZoningResidential

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Dog Park, Fitness Center, Gated, Jogging Path, Park, Playground, Security, Tennis Court(s)

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

Water SourcePublic

ParkingGarage

ViewPool

Waterfront TypeLagoon

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Eat-in Kitchen, Jack and Jill Bath, Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Walk-In Closet(s)

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

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundrySink, Upper Level

Security24 Hour Security, Security Gate