498 BORACAY CIRCLE, ST JOHNS, FL, 32259
Active116 days on marketListed Mar 25, 2026MLS #TB8488447
About this home
498 BORACAY CIRCLE
Live the life you've always dreamed of in Northern St. Johns County's premier luxury community of Beachwalk. This stunning 2 bedroom, 2.5 bathroom townhome is now available and shows like a model. The homes open and contemporary design is perfect for both relaxing and entertaining. The main level boasts of beautiful tile flooring leading you into the heart of the home. The open kitchen is a chiefs delight, featuring deep farm stainless kitchen sink and stainless steel appliances. Beautiful quartz countertops offers an array of room for both prepping and functionality. Adjacent dining and gathering areas create a seamless flow perfect for hosting friends and family along with a peaceful lanai to enjoy a slight breeze. Upstairs, you will encounter the spacious master bedroom complete with a large walk-in closet and spa-like bathroom with double vanities and walk in shower. A second full bathroom features a full-sized shower and tub with a single vanity. As a resident , you will receive a privileged Crystal Lagoon membership granting you access to unparalleled resort style lifestyle.. Enjoy free live music, swim up bar, food trucks , state of the art fitness center, splash park and tennis courts. Enjoy everyday convenience of shopping and dining and only minutes away from St. Augustine beaches! Your new life awaits you!
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
1,611
Sqft
0.06 ac
Lot size
1
Garage
2022
Year built
Two
Levels
$189
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$2,987 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,987/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs St Johns actives
$189 vs $243
Days on market
116 vs 14 typical
Where $189/sqft sits among the 12 St Johns actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Beachwalk
Get to know St Johns. See the full St Johns guide →
Beachwalk — neighborhood snapshot
Population
1,263
Median age
36
Median income
$118,561
Median home value
$469,900
Avg household
3
Households w/ children
349
For the school run
St. Johns County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Johns market
$364K → $758K
St Johns median sold, yr/yr
98.3%
Sale-to-list ratio (12 mo)
4 of 12
St Johns actives have cut their price
Median sold price, St Johns, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 48% below the ST JOHNS 32259 median. See the full St Johns market guide →
Paper trail
This home's history
Reality check
What actually sold near 498 BORACAY CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$324,990
111 BLUE HAVEN ROAD
3 bd · 2.5 ba · 1,502 sqft · $216/sqft · 6 DOM
Sold · Feb ’26$319,990
107 BLUE HAVEN ROAD
3 bd · 2.5 ba · 1,502 sqft · $213/sqft · 23 DOM
Sold · Sep ’25$320,000
102 PLAYA DE LUNA LANE
3 bd · 2.5 ba · 1,502 sqft · $213/sqft · 0 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 498 BORACAY CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 498 BORACAY CIRCLE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
498 BORACAY CIRCLE FAQs
What would the monthly payment be for 498 BORACAY CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,987/mo — principal and interest, the actual property-tax bill, the $381/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 498 BORACAY CIRCLE?+
The association fee works out to $381 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 498 BORACAY CIRCLE?+
The most recent tax bill on record (2024) was $6,193. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 498 BORACAY CIRCLE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in St Johns?+
At $305,000, this home is listed about 44% below the St Johns median of $544,900. The market section on this page shows how the area is trending.
Which schools are assigned to 498 BORACAY CIRCLE?+
Beachside High School (high), First Coast Technical College (high), Mky- Head Start /Dpp Pk School () — St. Johns County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the ST JOHNS 32259 market on paper
$305,000 is 48% below the ST JOHNS 32259 median of $586,500, and at $189/sqft it sits under the St Johns average of $258.
02Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
03Time on market is leverage
116 days on market against a St Johns median of 14 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Beachside High School, First Coast Technical College, Mky- Head Start /Dpp Pk School — Beachside High School rates 4 of 5. Always verify assignments with the district.
Listing courtesy of INTL. REALTY PLUS-TAMPA BAY · Christian Flowers. MLS #TB8488447.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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