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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 Under Contract

Active Under Contract·Listed today·Beachwalk

32 Waterline Drive

St. Johns, FL 32259

$609,900$239/sqftEst. $3,338/moMLS# 2167831
4
Beds
3
Baths
2,555
Sq Ft
2020
Built
3
Garage
No
Pool

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

HOA $226/mo6,970 sqft lotSingle Family Residence1 story

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Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 333-8595 Text Krista

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

About this home

Beachwalk

Priced to Sell! 32 Waterline Drive brings the Caribbean lifestyle to St. Johns, Florida! Located in the highly sought-after Beachwalk community, this beautifully upgraded home offers luxury coastal living just moments from the breathtaking 14-acre crystal lagoon. This thoughtfully enhanced single-story home showcases refined finishes and designer touches throughout. Features include a gas fireplace with custom illuminated built-ins, crown molding, and newly customized organizers in the spacious primary closet. The open-concept layout blends comfort and elegance, creating the perfect space for everyday living and entertaining. Enjoy a short walk or golf cart ride to Beachwalk's world-class amenities, including white-sand beaches, kayaking, paddleboarding, swim-up bar, and a true resort-style atmosphere that feels like vacation every day. Residents also benefit from top-rated St. Johns County schools, convenient access to shoppin

Cost to own

True monthly cost

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

Principal & interest20% down · 7.28% · 30yr$3,338
Property taxesest. at asking price, St. Johns County$812
HOAbilled quarterly$226
Estimated total, before insurance$4,376/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$12,156/yr · $1,013/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

$609,900
$121,980
Loan Term
Monthly Payment
$3,338
Principal & Interest: $3,338
Property taxes (est.): $812
Insurance (est.): $407
Estimated Total Monthly
$4,557
*30-year loan at 7.28% APR (avg 30-yr rate 2026-10-01, 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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Metal — year not disclosed (home built 2020)

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

Solar potential: ~1,783 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

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.

Sun & Light

South-facing backyard — the year-round light lot

The listing reports the home facing north, which puts the backyard on the south side. Today at this address: sunrise 7:22 AM, sunset 7:07 PM.

  • The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
  • A pool back here takes sun most of the day, which means warmer water in the shoulder seasons and the most useful screened-lanai light for plants.
  • Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$571,674$571,674—
2024$552,724$336,403—
2023$506,903$325,149—
2022$518,330$314,222—
2021$414,865$303,614—
2020$88,000$88,000—

2025 property taxes (current owner): $12,156/yr

Estimated taxes if purchased at asking price: ~$9,700/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

  • Oct 5, 2026Listed$609,900

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

Features

Price$609,900
Price / Sq Ft$239
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,555
Total Structure Area3,551 sq ft
Acres0.16 acres
Year Built2020
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusActive Under Contract
# of Garages3
Has PoolNo
Is WaterfrontNo
Gated CommunityYes
Direction FacesNorth

School Information

Community Information

Address32 Waterline Drive, St. Johns, FL 32259
Area301-Julington Creek/Switzerland
SubdivisionBeachwalk
CitySt. Johns
CountySt. Johns
StateFL
Zip Code32259
Lot Size6,969.6 sq ft
Parcel Number0237181040
ZoningPUD

Amenities

AmenitiesPool, Clubhouse, Dog Park, Fitness Center, Jogging Path, Maintenance Grounds, Management - Full Time, Management- On Site, Pickleball, Playground, Tennis Court(s)
Community FeaturesSidewalks, Gated
UtilitiesCable Connected, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener, Off Street

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Smart Thermostat, Walk-In Closet(s)
AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, Dryer, Electric Oven, Gas Cooktop, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric
FlooringCarpet, Tile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesGas
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Gas Dryer Hookup, Sink, Washer Hookup
SecuritySecurity Gate

Exterior

Lot DescriptionCorner Lot
Patio / PorchCovered, Patio, Screened
RoofMetal
ConstructionFiber Cement
Road SurfaceAsphalt

Additional Information

Date ListedOctober 5, 2026
Days on Market3
HOA Fees$677.36 / Quarterly
HOA FrequencyQuarterly
HOA Fee IncludesMaintenance Grounds
Tax Amount$12,155.89
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: HERRON REAL ESTATE LLC

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

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