This home is in Beachwalk, St. Johns.
Active·1 day on market·Beachwalk
385 Rum Runner Way
St. Johns, FL 32259
About this home
Beachwalk
Enjoy the Beachwalk lifestyle without the Beachwalk price tag! Built in 2023, this beautiful 3-bedroom, 2.5-bath home offers approximately 1,912 square feet of conditioned living space with peaceful lake views and an open, airy floor plan designed for everyday living and entertaining. The spacious kitchen flows seamlessly into the living and dining areas, while the oversized sliding glass doors open wide to the screened-in back porch, creating an effortless indoor-outdoor entertaining space overlooking the water. Upstairs, you'll find three bedrooms plus a versatile bonus room, perfect for a home office, playroom, media room, or additional lounge space. A wood staircase with wrought-iron banisters adds a stylish custom touch, while the metal roof and concrete siding offer a clean, modern exterior. Even better, the bond portion of the CDD has been paid off, offering significant savings compared with many surrounding Beachwalk homes.
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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 2023)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,723 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 homeAs of September 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $394,949 | $344,227 | — |
| 2024 | $415,201 | $415,201 | — |
| 2023 | $115,000 | $115,000 | — |
| 2022 | $134,400 | $132,000 | — |
| 2021 | $120,000 | $120,000 | — |
| 2020 | $110,000 | $110,000 | — |
2025 property taxes (current owner): $4,926/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 (2025), NEFMLS.
History
Price & status history
- Sep 17, 2026Listed$490,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY · alissa@youragentalissa.net
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.
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Your Local Realtor
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 home20+ years · 500+ closings · NE Florida
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