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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Beachwalk, Ponte Vedra.

Active

Active·2 days on market·Beachwalk

44 Boracay Circle

Ponte Vedra, FL 32259

$298,000$185/sqftEst. $1,537/moMLS# 2158700
2
Beds
2
Baths
1,611
Sq Ft
2021
Built
1
Garage
No
Pool

About this home

Beachwalk

Engineered to impress and designed to simplify everyday living, this Beachwalk home offers something rarely found: intelligence built into the home itself. Thoughtfully enhanced by the homeowner, an electrical engineer, it features custom-integrated automation that goes far beyond the ordinary, creating a seamless living experience that's as practical as it is impressive. Beautifully maintained with spacious interiors, quality finishes and an upgraded garage with premium flooring, every improvement has been made with purpose. The integrated technology and select custom furnishings are available to convey, making this a truly turnkey opportunity. All of this is complemented by Beachwalk's renowned crystal lagoon, resort-style amenities, top-rated St. Johns County schools and a location that's hard to beat. Some homes are built. This one was engineered.

Cost to own

Mortgage calculator

$298,000
$59,600
Loan Term
Monthly Payment
$1,537
Principal & Interest: $1,537
Property taxes (est.): $397
Insurance (est.): $199
Estimated Total Monthly
$2,132
*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$1,537
Property taxesest. at asking price, St. Johns County$397
HOAbilled monthly$381
Estimated total, before insurance$2,315/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,468/yr · $539/mo

This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.

  • • 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): $6,468/yr

Estimated taxes if purchased at asking price: ~$4,800/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, 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 2021)

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

Solar potential: ~1,671 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 August 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 5, 2026Listed$298,000

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

Features

Price$298,000
Price / Sq Ft$185
Bedrooms2
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,611
Acres0.08 acres
Year Built2021
TypeResidential
Sub-TypeSingle Family Residence
StyleContemporary
StatusActive
# of Garages1
Has PoolNo
Is WaterfrontNo

Community Information

Address44 Boracay Circle, Ponte Vedra, FL 32259
Area301-Julington Creek/Switzerland
SubdivisionBeachwalk
CityPonte Vedra
CountySt. Johns
StateFL
Zip Code32259
Lot Size3,484.8 sq ft
Parcel Number0237200080
ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Park, Playground, Tennis Court(s)
UtilitiesCable Connected, Electricity Available, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Garage Door Opener, On Street

Interior

Interior FeaturesEat-in Kitchen, Kitchen Island, Open Floorplan, Smart Home, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingElectric, Hot Water
CoolingCentral Air, Electric
FlooringCarpet, Tile
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, Upper Level, Washer Hookup
Security24 Hour Security

Exterior

ConstructionFiber Cement, Frame
Road SurfaceAsphalt

Additional Information

Date ListedAugust 5, 2026
Days on Market2
HOA Fees$381.33 / Monthly
HOA FrequencyMonthly
Tax Amount$6,468.2
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

The neighborhood

About Beachwalk

Beachwalk is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32259.

View all Beachwalk homes for sale →

Listing Courtesy of: WATSON REALTY CORP

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

Text Krista about this home

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines

Contact Krista Fracke