Twin Creeks North

103 RUM RUNNER WAY

Saint Johns, FL 32259
For Sale $890,000
3 bd · 3 ba · Built 2019
Bryce Spraggins — The HOA Collective
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The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than The HOA Collective LLC are marked with the listing broker's name and detailed information about such listings includes the name of the listing brokers. Data provided is deemed reliable but is not guaranteed.

Listing courtesy of ONE SOTHEBY'S INTERNATIONAL REALTY (john@lovethefloridalife.com). Information is deemed reliable but not guaranteed. Data from realMLS (Northeast Florida MLS). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

About This Home

CDD bond paid off!! Located in the Atlantic Isles section of Beachwalk with private access to the lagoon, this home offers the best of maintenance-free living in a true resort-style setting. Walk out your back door and into the Caribbean-like atmosphere just minutes from the Crystal Lagoon. Meet your neighbors for lunch or dinner at the swim-up bar or restaurant with outdoor dining, or enjoy paddleboards, kayaks, the putting green, and tennis courts. This sought-after community offers only a select number of homes with views of the sandy beach and 14-acre crystal-clear lagoon.

Inside, a California Closet System in the Primary leads the list of interior upgrades, followed by new flooring in the guest bedrooms, creating a fresh and elevated feel throughout. The chef's dream kitchen opens to the spacious family room and eat-in area, while a 4-door pocket slider extends the living space to the screened patio, which is plumbed for water and gas, creating the perfect space for entertaining.

Estimated Monthly Payment

What Would I Pay?

Real estimated payments for this home by loan type — including this community's HOA and CDD, estimated taxes (reassessed at the purchase price) and insurance. Adjust anything below.

FHA
3.5% down · $31,150
$8,172/mo
Principal & interest$5,616
Property tax (est.)$793
Insurance (est.)$668
FHA MIP$394
HOA dues$381
CDD assessment$321
Cash to close: ~$31,150 down · MIP financed
VA
$0 down
$8,005/mo
Principal & interest$5,842
Property tax (est.)$793
Insurance (est.)$668
VA fee (financed)$0
HOA dues$381
CDD assessment$321
Cash to close: ~$0 down · VA funding fee financed
Conventional
20% down · $178,000
$6,738/mo
Principal & interest$4,576
Property tax (est.)$793
Insurance (est.)$668
PMI$0
HOA dues$381
CDD assessment$321
Cash to close: ~$178,000 down

Rate: 6.660% (Freddie Mac 30-yr avg, as of Aug 27, 2026). Taxes estimated as purchase price × 85% assessed × this property's 1.35% effective millage, plus actual HOA & CDD. Insurance is a Florida ballpark. Estimates only — your actual rate, taxes, insurance, and mortgage insurance depend on credit, lender, and underwriting. Not a loan offer or commitment.

Property Details

Home Facts

TypeSingle Family
Year built2019
SubdivisionTwin Creeks North
Parcel (RE#)023717 0100
Legal description87/29-34 TWIN CREEKS NORTH PARCEL 12 PHASE 1 LOT 10 OR5644/1662

Valuation · 2025

Value

Just / Market
$900,000
Assessed
$737,822
Taxable
$737,822
2025 Property Tax
$9,938
Homestead Exemption
No

Estimated 2025 ad-valorem property tax (County taxable value × millage); excludes non-ad-valorem assessments. Homestead status per the County tax roll.

HOA Dues
$381 / Monthly
CDD Assessment
$3,850 / Annually

HOA dues & CDD assessments are community-level (source: MLS). Confirm current amounts with the association or management.

History

Sale History

DatePriceDeed
2019-01-14

Location

Map

How far to
Open in Google Maps →

Utilities

Service Providers

⚡ Electric
JEA
💧 Water
JEA
🚽 Sewer
JEA

Providers serving this area — please confirm service directly with the provider.

Schools

Assigned & Nearby Schools

Elementary (zoned)
Middle (zoned)
High (zoned)
Nearby Private Schools

Zoned public schools from Duval County Public Schools attendance boundaries — magnet/choice options may also apply. Confirm enrollment with the school district.

Bryce Spraggins, Jacksonville Realtor and licensed Florida real estate broker

List With Me

Selling in Twin Creeks North? List with the Realtor built for your community.

I'm Bryce Spraggins, a Jacksonville REALTOR® and licensed Florida real estate broker — and The HOA Collective works Twin Creeks North every day. We know your covenants, your comps, and what buyers ask about your neighborhood before they ever tour it.

Got it — thank you. I'll reach out shortly at the number you gave. If it's urgent, call or text 904-747-1HOA.
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On the Market

Homes for Sale in Twin Creeks North

Other active MLS listings in Twin Creeks North.

The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than The HOA Collective LLC are marked with the listing broker's name and detailed information about such listings includes the name of the listing brokers. Data provided is deemed reliable but is not guaranteed. © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Questions & Answers

Frequently Asked

What schools serve 103 RUM RUNNER WAY?
The zoned public schools for 103 RUM RUNNER WAY in Twin Creeks North are K-8 School Rr (elementary), Fruit Cove Middle School (middle), Beachside High School (high). Magnet and choice options may also apply — confirm enrollment with the district.
What are the property taxes on 103 RUM RUNNER WAY?
The most recent annual property tax for 103 RUM RUNNER WAY is about $9,938 (2025 tax year). Any CDD assessment is billed in addition.
Does 103 RUM RUNNER WAY have a CDD fee?
Yes. 103 RUM RUNNER WAY is in Twin Creeks North, a Community Development District (CDD) with an assessment of approximately $3,850 per year, billed on the annual property-tax bill in addition to HOA dues.
What is the HOA fee for 103 RUM RUNNER WAY?
Homes in Twin Creeks North have an HOA fee of about $381 per month (based on recent MLS listings).
What would the monthly payment be on 103 RUM RUNNER WAY?
At about a 6.66% 30-year rate, the estimated monthly payment for 103 RUM RUNNER WAY is roughly $6,738 with a conventional loan (20% down), $8,172 with FHA (3.5% down), or $8,005 with a VA loan (0% down). Each figure includes principal and interest, estimated property taxes and insurance, mortgage insurance where applicable, plus the Twin Creeks North HOA and CDD assessment. Use the payment calculator on this page to adjust the numbers.

Property data is sourced from the St. Johns County Property Appraiser public records (view official record →). Values are appraiser estimates and may not reflect market price.