Welcome to this beautifully maintained DR Horton-built home in the sought-after Whispering Lake subdivision, just one mile from Publix and a quick drive to the sugar-white sands of 30A. With a blend of coastal Florida living and classic Georgia Southern charm, this 3-bedroom, 2-bathroom home offers comfort, convenience, and timeless style. The exterior has been freshly painted and most of the back fence is being replaced. Step inside to find hardwood floors throughout, 9 and 10-foot ceilings, and an open layout perfect for both relaxing and entertaining. The kitchen features stainless steel appliances, generous cabinetry, and bar seating that flows seamlessly into the living and dining areas. Most of the home has crown moulding, the spacious bedrooms offer ample closet space. The primary suite includes a large walk-in closet, an en suite bath with a dual sink vanity, and a large walk-in shower. You'll love the private laundry room (washer and dryer included!) located just inside the 2-car garage.
Out back, enjoy peaceful mornings or breezy evenings on your covered patio, overlooking a preserved wooded areano rear neighbors, just nature!
This original-owner home has been lovingly cared for and is move-in ready. Whether you're searching for your forever home or a peaceful retreat near the beach, this one checks all the boxes!
For sale
Price cut: $10.5K (1/2)
$514,500
195 Lullaby Loop, Santa Rosa Beach, FL 32459
3beds
1,977sqft
Est.:
Single Family Residence
Built in 2014
7,405.2 Square Feet Lot
$500,400 Zestimate®
$260/sqft
$87/mo HOA
What's special
Spacious bedroomsEn suite bathPreserved wooded areaOpen layoutPrivate laundry roomBar seatingHardwood floors
- 167 days |
- 476 |
- 41 |
Zillow last checked: 8 hours ago
Listing updated: January 02, 2026 at 03:56am
Listed by:
Janice A Schaefer 850-716-0939,
Berkshire Hathaway HomeServices PenFed Realty
Source: ECAOR,MLS#: 982632
Originating MLS: Emerald Coast
Originating MLS: Emerald CoastTour with a local agent
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Primary bedroom
- Features: MBed First Floor, Tray Ceiling(s)
- Level: First
Bedroom
- Level: First
Primary bathroom
- Features: Double Vanity, MBath Shower Only, MBath Tile, Walk-In Closet(s)
Kitchen
- Level: First
Living room
- Level: First
Heating
- Electric
Cooling
- Electric
Appliances
- Included: Dishwasher, Disposal, Dryer, Microwave, Self Cleaning Oven, Refrigerator, Refrigerator W/IceMk, Smooth Stovetop Rnge, Electric Range, Washer, Electric Water Heater
- Laundry: Laundry Room
Features
- Bookcases, Cathedral Ceiling(s), Kitchen Island, Bedroom, Breakfast Room, Dining Room, Kitchen, Living Room, Master Bathroom, Master Bedroom, Other
- Flooring: Hardwood
- Doors: Storm Door(s)
- Windows: Double Pane Windows, Window Treatments, Hurricane Shutters
- Common walls with other units/homes: No Common Walls
Interior area
- Total structure area: 1,977
- Total interior livable area: 1,977 sqft
Property
Parking
- Total spaces: 4
- Parking features: Garage, Attached, Garage Door Opener
- Attached garage spaces: 2
- Has uncovered spaces: Yes
Features
- Stories: 1
- Patio & porch: Patio Covered
- Exterior features: Dock
- Pool features: None
- Fencing: Back Yard,Privacy
Lot
- Size: 7,405.2 Square Feet
- Dimensions: 116 x 60 x 116 x 60
- Features: Cul-De-Sac
Details
- Parcel number: 262S20337010000170
- Zoning description: Resid Single Family
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Craftsman Style
- Property subtype: Single Family Residence
Materials
- Brick, Siding Brick Some, Siding CmntFbrHrdBrd
- Roof: Roof Dimensional Shg
Condition
- Construction Complete
- Year built: 2014
Utilities & green energy
- Sewer: Public Sewer
- Water: Public
- Utilities for property: Electricity Connected
Community & HOA
Community
- Features: Fishing
- Security: Smoke Detector(s)
- Subdivision: Whispering Lake
HOA
- Has HOA: Yes
- Services included: Accounting, Management
- HOA fee: $261 quarterly
Location
- Region: Santa Rosa Beach
Financial & listing details
- Price per square foot: $260/sqft
- Tax assessed value: $426,678
- Annual tax amount: $1,941
- Date on market: 8/7/2025
- Cumulative days on market: 167 days
- Listing terms: Conventional,VA Loan
- Electric utility on property: Yes
- Road surface type: Paved
Estimated market value
$500,400
$475,000 - $525,000
$2,885/mo
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 1/2/2026 | Price change | $514,500-2%$260/sqft |
Source:  ECAOR #982632 Report a problem | ||
| 8/7/2025 | Listed for sale | $525,000+99.1%$266/sqft |
Source: ECAOR #982632 Report a problem | ||
| 7/3/2014 | Sold | $263,645$133/sqft |
Source: Public Record Report a problem | ||
Public tax history
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $1,941 +4.1% | $250,794 +3% |
| 2023 | $1,864 +1.5% | $243,489 +3% |
| 2022 | $1,837 -1.1% | $236,397 +3% |
Find assessor info on the county website
BuyAbility℠ payment
Est. payment
$3,167/mo
Principal & interest
$2501
Property taxes
$399
Other costs
$267
Climate risks
Neighborhood: 32459
Nearby schools
GreatSchools rating
- 10/10Bay Elementary SchoolGrades: K-5Distance: 8.8 mi
- 8/10Emerald Coast Middle SchoolGrades: 6-8Distance: 6.4 mi
- 8/10South Walton High SchoolGrades: 9-12Distance: 2.1 mi
Schools provided by the listing agent
- Elementary: Dune Lakes
- 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.
