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.
For sale
$4,500,000
103 Fort Panic Rd, Santa Rosa Beach, FL 32459
4beds
2,590sqft
Est.:
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
- 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#: 972326
Originating 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
Estimated market value
Not available
Estimated sales range
Not available
Not available
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 6/25/2025 | Price change | $4,500,000-9.1%$1,737/sqft |
Source: | ||
| 3/27/2025 | Listed for sale | $4,950,000+98%$1,911/sqft |
Source: | ||
| 3/25/2023 | Listing removed | -- |
Source: | ||
| 3/24/2021 | Sold | $2,500,000$965/sqft |
Source: | ||
| 1/18/2021 | Pending sale | $2,500,000$965/sqft |
Source: | ||
Public tax history
Public tax history
| Year | Property taxes | Tax 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
- 9/10Van R. Butler Elementary SchoolGrades: K-5Distance: 0.8 mi
- 8/10Emerald Coast Middle SchoolGrades: 6-8Distance: 8.3 mi
- 8/10South Walton High SchoolGrades: 9-12Distance: 4.7 mi
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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