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New construction
    • Price cut: $44K (7/18)
    $489,000

    191 Water Oaks Loop, Santa Rosa Beach, FL 32459

    3beds
    1,417sqft
    : 
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    Single Family Residence
    Built in 2021
    4,356 Square Feet Lot
    $470,000 Zestimate®
    $345/sqft
    $-- HOA

    What's special

    Abundant natural lightSolid surface countertopsLuxury vinyl plank flooringTray ceilingsStainless steel appliancesWhite shaker cabinetry
    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.
    108 days
    |
    195
    |
    16
    |

    Zillow last checked:

    Listing updated:

    Listed by:

    Crystal Ball 205-329-0759,

    Anchor Realty Florida

    Source: CPAR,MLS#: 787865MLS LogoOriginating MLS: Central Panhandle Association of REALTORS

      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: 108 days

        Estimated market value

        $470,000

        $447,000 - $494,000

        $2,485/mo

        Price history

        DateEventPrice
        7/18/2026Price change$445,000-9%$314/sqft
        Source: ECAOR #999960 Report a problem
        4/3/2026Listed for sale$489,000-7.6%$345/sqft
        Source: CPAR #787865 Report a problem
        2/1/2024Listing removed--
        Source: ECAOR #928311 Report a problem
        7/23/2023Listing removed$529,000$373/sqft
        Source: ECAOR #928311 Report a problem
        7/23/2023Listed for sale$529,000$373/sqft
        Source: ECAOR #928311 Report a problem
        7/20/2023Listing removed$529,000$373/sqft
        Source: CPAR #744151 Report a problem
        7/20/2023Listed for sale$529,000+277.9%$373/sqft
        Source: CPAR #744151 Report a problem
        1/12/2016Sold$140,000$99/sqft
        Source: Public Record Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025$3,061 -1.1%$338,730
        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

        Payment breakdown

        Explore the cost of this home by adjusting the details. Changes won't be saved.
        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.
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        Climate risks

        Neighborhood: 32459

        Getting around

        17 / 100
        Car-Dependent
        33 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating
        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.

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