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For sale
  • $4,500,000

    103 Fort Panic Rd, Santa Rosa Beach, FL 32459

    4beds
    2,590sqft
    : 
    Single Family Residence
    Built in 1982
    0.26 Acres Lot
    $-- Zestimate®
    $1,737/sqft
    $-- HOA

    What's special

    Well-appointed bedroomsSoothing coastal color paletteAbundant natural lightPrivate roadClassic beach house charmExtraordinary gulf-front residenceSweeping unobstructed views
    Positioned along a private road on the tranquil West end of 30A, this extraordinary Gulf-front residence captures sweeping, unobstructed views of the emerald waters and sugar-white sands, stretching endlessly in both directions. Thoughtfully renovated in the spring of 2024 and beautifully furnished with a refined coastal aesthetic, the home effortlessly blends classic beach house charm with modern luxury--making it a compelling retreat for personal enjoyment and long-term ownership.Every element of the home has been curated to complement the surrounding natural beauty while providing a sense of ease and comfort. A soothing coastal color palette and low-maintenance finishes create a relaxed, livable atmosphere, ideal for carefree beachside living. Vaulted ceilings and abundant natural light enhance the spacious interior, which features 4 well-appointed bedrooms, 2.5 baths, and two generous living areasoffering flexibility for entertaining, hosting, or simply unwinding in style. The open-concept kitchen and dining space is a natural gathering point, thoughtfully designed for both everyday living and elevated entertaining. A sleek wet bar adds a layer of sophistication, perfect for sunset cocktails or weekend celebrations with friends and family. Step outside to discover multiple outdoor living areas that embrace the serene Gulf-front setting. An expansive covered porch offers a front-row seat to the ever-changing colors of the sea and skyideal for morning coffee, quiet afternoons, or golden-hour gatherings. A dune-side covered deck brings you even closer to the shoreline, where the rhythmic sound of the surf creates a calming, meditative ambiance. Offered fully furnished, 103 Fort Panic presents a rare, turnkey opportunity for those seeking a beautifully updated coastal sanctuary in one of the most coveted and peaceful stretches of Scenic Highway 30A.
    272 days
    |
    433
    |
    17
    |

    Zillow last checked: 8 hours ago

    Listing updated: November 24, 2025 at 04:06am

    Listed by:

    Spears Group 850-710-2114,

    Compass,

    Isaiah Denman 850-687-1628,

    Compass

    Source: ECAOR,MLS#: 972326MLS LogoOriginating MLS: Emerald Coast

    Tour with a local agent

    Facts & features

    Interior

    Bedrooms & bathrooms
    • Bedrooms: 4
    • Bathrooms: 3
    • Full bathrooms: 2
    • 1/2 bathrooms: 1
    Primary bedroom
    • Features: MBed First Floor
    • Level: First
    Bedroom
    • Level: First
    Bathroom
    • Level: First
    Living room
    • Level: First
    Cooling
    • AC - 2 or More, Ceiling Fan(s)
    Appliances
    • Included: Disposal, Dryer, Refrigerator, Electric Range, Washer, Electric Water Heater
    • Laundry: Washer/Dryer Hookup
    Features
    • Vaulted Ceiling(s), Recessed Lighting, Split Bedroom, Woodwork Painted, Bedroom, Bonus Room, Dining Area, Full Bathroom, Living Room, Master Bedroom, Sitting Room
    • Flooring: Vinyl
    • Windows: Window Treatments
    • Furnished: Yes
    • Common walls with other units/homes: No Common Walls
    Interior area
    • Total structure area: 2,590
    • Total interior livable area: 2,590 sqft

    Property

    Features
    • Stories: 2
    • Patio & porch: Deck Covered, Porch
    • Exterior features: Balcony, Barbecue
    • Pool features: None
    • Has view: Yes
    • View description: Gulf/Pass
    • Has water view: Yes
    • Water view: Gulf/Pass
    • Waterfront features: Gulf, Gulf/Pass
    • Frontage type: Beach,Water
    • Frontage length: Beach: 75.00,Water: 75
    Lot
    • Size: 0.26 Acres
    • Dimensions: 75 x 151
    • Features: Within 1/2 Mile to Water
    Details
    • Parcel number: 043S20341100000080
    • Zoning description: Resid Single Family

    Construction

    Type & style
    • Home type: SingleFamily
    • Architectural style: Beach House
    • Property subtype: Single Family Residence
    Materials
    • Frame, Siding CmntFbrHrdBrd, Trim Wood
    • Foundation: Foundation Off Grade, Foundation On Piling
    • Roof: Metal
    Condition
    • Construction Complete
    • Year built: 1982

    Utilities & green energy

    • Sewer: Public Sewer
    • Utilities for property: Electricity Connected, Sewer Available, Tap Fee Paid, Cable Connected

    Community & HOA

    Community
    • Security: Smoke Detector(s)
    • Subdivision: Santa Rosa Dunes
    Location
    • Region: Santa Rosa Beach

    Financial & listing details

    • Price per square foot: $1,737/sqft
    • Tax assessed value: $2,683,919
    • Annual tax amount: $24,515
    • Date on market: 3/27/2025
    • Cumulative days on market: 272 days
    • Listing terms: Conventional,Other
    • Electric utility on property: Yes
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    Estimated market value

    Not available

    Estimated sales range

    Not available

    Not available

    Price history

    Price history
    DateEventPrice
    6/25/2025Price change$4,500,000-9.1%$1,737/sqft
    Source: ECAOR #972326 Report a problem
    3/27/2025Listed for sale$4,950,000+98%$1,911/sqft
    Source: ECAOR #972326 Report a problem
    3/25/2023Listing removed--
    Source: ECAOR #846701 Report a problem
    3/24/2021Sold$2,500,000$965/sqft
    Source: ECAOR #846701 Report a problem
    1/18/2021Pending sale$2,500,000$965/sqft
    Source: ECAOR #846701 Report a problem

    Public tax history

    Public tax history
    YearProperty taxesTax assessment
    2024$24,516 +5.2%$2,683,919 +9.5%
    2023$23,312 +12.8%$2,452,074 +10%
    2022$20,659 +15.2%$2,229,158 +20.4%

    Find assessor info on the county website

    BuyAbility℠ payment

    Est. payment
    $27,494/mo
    Principal & interest
    $22431
    Property taxes
    $3488
    Home insurance
    $1575

      Climate risks

      Neighborhood: 32459

      Nearby schools

      GreatSchools rating
      Schools provided by the listing agent
      • Elementary: Van R Butler
      • Middle: Emerald Coast
      • High: South Walton

      Source: ECAOR. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.

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