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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, St. Johns — a gated community home in St. Johns County.

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Active

Active·47 days on market·Beachwalk

293 Rum Runner Way

St. Johns, FL 32259

$473,899$198/sqftEst. $2,625/moMLS# 2162214
↓ $16,001 below original list
4
Beds
3.5
Baths
2,399
Sq Ft
2022
Built
2
Garage
No
Pool

4 more homes for sale in Beachwalk →Search Beachwalk on the map

FEMA Zone XHOA $554/mo5,663 sqft lotSingle Family Residence2 stories

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Beachwalk

Live where every day feels like a vacation! Just steps from Beachwalk's spectacular 14-acre Crystal Lagoon, this beautifull 4-bedroom, 3.5-bath home offers 2,408 sq. ft of coastal-inspired living in the gated Atlantica Isles neighborhood. The bright, open floor plan features impressive 10-foot ceilings, 8-foot doors, a crisp white kitchen, generous dining and living spaces, and a covered lanai perfect for enjoying the Florida lifestyle. Upstairs, the spacious primary suite and guest suite each feature private en-suite baths, while two additional bedrooms provide plenty of flexibility for family, guests or a home office. Enjoy white-sand beaches, swimming, waterslides, a swim-up bar, waterfront dining, fitness center, tennis courts, putting green, dog splash park and more.This isn't simply a home--it's an opportunity to enjoy one of St. Johns County's most distinctive resort-style communities. Come experience the Beachwalk lifestyle!

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Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$2,625
Property taxesest. at asking price, St. Johns County$631
HOAbilled monthly$554
Estimated total, before insurance$3,810/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$10,974/yr · $914/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$473,899
$94,780
Loan Term
Monthly Payment
$2,625
Principal & Interest: $2,625
Property taxes (est.): $631
Insurance (est.): $316
Estimated Total Monthly
$3,571
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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: ~1,786 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $10,974/yr

Estimated taxes if purchased at asking price: ~$7,600/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

  • Sep 23, 2026Price change$473,899−$1
  • Sep 15, 2026Price change$473,900−$16,000
  • Aug 27, 2026Listed$489,900

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $213/sq ft; this home is listed at $198/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
419 Rum Runner Way, St. Johns, FL 32259Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTYAug 2026$527,500$2114/32,5032990.1
72 Clifton Bay Loop, St. Johns, FL 32259Listed by LOKATIONAug 2026$395,000$2084/2.51,8951440.3
63 Caribbean Place, St. Johns, FL 32259Listed by BLUEFIN REAL ESTATE GROUPOct 2026$615,000$2414/32,555530.4
248 Clifton Bay, St. Johns, FL 32259Listed by HERRON REAL ESTATE LLCSep 2026$420,000$2163/2.51,9431190.5
211 Clifton Bay, St. Johns, FL 32259Listed by OPENDOOR BROKERAGE, LLC.Sep 2026$400,000$1783/2.52,2531020.5
95 Strobe Court, St. Augustine, FL 32095Listed by SUPER SELLERAug 2026$495,000$2133/2.52,326360.9

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$473,899
Price / Sq Ft$198
Bedrooms4
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage2,399
Acres0.13 acres
Year Built2022
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
Gated CommunityYes

School Information

Zoned elementaryLakeside Academy
Zoned middleLakeside Academy
Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address293 Rum Runner Way, St. Johns, FL 32259
Area301-Julington Creek/Switzerland
SubdivisionAtlantica Isles
CitySt. Johns
CountySt. Johns
StateFL
Zip Code32259
Lot Size5,662.8 sq ft
Parcel Number0237170350

Amenities

AmenitiesPool, Barbecue, Basketball Court, Car Wash Area, Children's Pool, Clubhouse, Fitness Center, Gated, Jogging Path, Park, Playground, Tennis Court(s)
Community FeaturesSidewalks, Restaurant, Gated
UtilitiesCable Available, Electricity Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Smart Thermostat
AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Gas Cooktop, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Washer
HeatingCentral
CoolingCentral Air
FlooringCarpet
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, Washer Hookup
SecuritySecurity Gate

Exterior

RoofMetal
ConstructionFiber Cement, Vinyl Siding
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedAugust 27, 2026
Days on Market39
HOA Fees$554 / Monthly
HOA FrequencyMonthly
Tax Amount$10,973.55
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: THE THAYVER GROUP

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Beachwalk

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

View all Beachwalk homes for sale →

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.

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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.

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