Never lived in 2021-built Florida cottage in a non-short-term rental community in Santa Rosa Beach, offering a quiet residential setting just minutes from 30A and local hotspots.
Originally held off-market as the builder's office, this home presents as new with a clean, well-maintained interior and no prior occupancy. The 3-bedroom, 2.5-bath layout spans approximately 1,417 square feet with an open-concept living area, tray ceilings, and abundant natural light.
The kitchen features white shaker cabinetry, solid surface countertops, stainless steel appliances, and a large island overlooking the main living space. Luxury vinyl plank flooring runs throughout, creating a cohesive, low-maintenance interior.
The primary suite includes a double vanity and a walk-in shower, while the split layout provides separation from the additional bedrooms.
Situated in a neighborhood with HOA-maintained standards and no short-term rentals, this property offers a more stable, residential environment compared to nearby rental-heavy areas. Located just off Mussett Bayou with convenient access to Hwy 98, 30A, dining, and shopping and best of all the emerald coast beaches.
New construction
$489,000
191 Water Oaks Loop, Santa Rosa Beach, FL 32459
3beds
1,417sqft
Est.: Get pre-qualified
Single Family Residence
Built in 2021
4,356 Square Feet Lot
$470,400 Zestimate®
$345/sqft
$-- HOA
What's special
Abundant natural lightSolid surface countertopsLuxury vinyl plank flooringTray ceilingsStainless steel appliancesWhite shaker cabinetry
- 61 days |
- 242 |
- 20 |
Zillow last checked:
Listing updated:
Listed by:
Crystal Ball 205-329-0759,
Anchor Realty Florida
Source: CPAR,MLS#: 787865
Originating MLS: Central Panhandle Association of REALTORS
Originating MLS: Central Panhandle Association of REALTORSTour with a local agent
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Rooms
- Room types: Bedroom, Kitchen, Primary Bathroom
Bedroom
- Level: First
- Dimensions: 12 x 13
Primary bathroom
- Level: First
- Dimensions: 13 x 14
Kitchen
- Level: First
- Dimensions: 14 x 9
Heating
- Central
Cooling
- Central Air
Appliances
- Included: Convection Oven, Electric Cooktop, Electric Oven, Electric Range, Ice Maker
Interior area
- Total structure area: 1,417
- Total interior livable area: 1,417 sqft
Property
Parking
- Parking features: No Garage
Features
- Patio & porch: Covered, Patio, Porch
Lot
- Size: 4,356 Square Feet
- Dimensions: 50 x 85
- Features: Sprinkler System, Paved
Details
- Parcel number: 282S20334400000400
- Zoning description: County, Resid Single Family
- Special conditions: Listed As-Is
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Florida
- Property subtype: Single Family Residence
Materials
- HardiPlank Type
- Roof: Shingle
Condition
- New construction: Yes
- Year built: 2021
Utilities & green energy
- Sewer: Public Sewer, Sewer Tap Paid
- Utilities for property: Cable Connected, High Speed Internet Available
Community & HOA
Community
- Subdivision: No Named Subdivision
HOA
- Has HOA: Yes
Location
- Region: Santa Rosa Beach
Financial & listing details
- Price per square foot: $345/sqft
- Tax assessed value: $338,730
- Annual tax amount: $3,061
- Date on market: 4/3/2026
- Cumulative days on market: 61 days
Estimated market value
$470,400
$447,000 - $494,000
$2,487/mo
Price history
| Date | Event | Price |
|---|---|---|
| 4/3/2026 | Listed for sale | $489,000-7.6%$345/sqft |
Source:  CPAR #787865 Report a problem | ||
| 2/1/2024 | Listing removed | -- |
Source:  ECAOR #928311 Report a problem | ||
| 7/23/2023 | Listing removed | $529,000$373/sqft |
Source: ECAOR #928311 Report a problem | ||
| 7/23/2023 | Listed for sale | $529,000$373/sqft |
Source: ECAOR #928311 Report a problem | ||
| 7/20/2023 | Listing removed | $529,000$373/sqft |
Source: CPAR #744151 Report a problem | ||
| 7/20/2023 | Listed for sale | $529,000+277.9%$373/sqft |
Source: CPAR #744151 Report a problem | ||
| 1/12/2016 | Sold | $140,000$99/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $3,094 +1.6% | $338,730 +2.1% |
| 2023 | $3,044 +8.8% | $331,715 +10% |
| 2022 | $2,798 +1193% | $301,559 +1248.8% |
| 2021 | $216 +6% | $22,358 +9.3% |
| 2020 | $204 +4.5% | $20,455 +4% |
| 2019 | $195 | $19,668 +4% |
| 2018 | $195 +3.6% | $18,912 +3% |
| 2017 | $189 +3.6% | $18,361 +4% |
| 2016 | $182 +7.8% | $17,655 +7% |
| 2015 | $169 +6.6% | $16,500 +24.5% |
| 2014 | $158 | $13,252 |
| 2013 | -- | $13,252 |
| 2012 | -- | $13,252 -5% |
| 2011 | -- | $13,950 -52.6% |
| 2010 | -- | $29,452 -30% |
| 2009 | -- | $42,075 -15% |
| 2008 | -- | $49,500 +1059.3% |
| 2007 | -- | $4,270 |
Find assessor info on the county website
Monthly payment
Est. payment$--/mo
Payment breakdown
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All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
See how much you could borrow to make a competitive offer.
Climate risks
Neighborhood: 32459
Nearby schools
GreatSchools rating
- 9/10Van R. Butler Elementary SchoolGrades: K-5Distance: 1.1 mi
- 8/10Emerald Coast Middle SchoolGrades: 6-8Distance: 8.7 mi
- 8/10South Walton High SchoolGrades: 9-12Distance: 4.6 mi
Schools provided by the listing agent
- Elementary: Van R Butler
- Middle: Emerald Coast
- High: South Walton
Source: CPAR. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
A local agent can set up tours, give advice and negotiate with sellers.
A local lender can help you make sure your offer is ready when you are.
- Florida
- Walton County
- Santa Rosa Beach
- 32459
- 191 Water Oaks Loop
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