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

293 Rum Runner Way

St. Johns, FL 32259

$489,900$204/sqftEst. $2,519/moMLS# 2162214

Beds

Baths

2,399

Sq Ft

2022

Built

Garage

Pool

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!

Cost to own

Mortgage calculator

Home Price

$489,900

Down Payment: 20%

$97,980

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,519

Principal & Interest: $2,519

Property taxes (est.): $652

Insurance (est.): $327

Estimated Total Monthly

$3,497

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$2,519

Property taxesest. at asking price, St. Johns County$652

HOAbilled monthly$554

Estimated total, before insurance$3,724/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).

Cost to own

Taxes & assessment

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

Estimated taxes if purchased at asking price: ~$7,800/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: 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.

History

Price & status history

Aug 27, 2026Listed$489,900

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

Features

Price$489,900

Price / Sq Ft$204

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

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)

UtilitiesCable Available, Electricity Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener