Rare custom 2023-built home featuring dual primary suites and NO HOA, situated on a spacious 0.41-acre lot just steps from Choctawhatchee Bay! Designed for ultimate flexibility, this 3,100 sq ft contemporary residence offers a coveted main-level primary suite plus a second-level primary ensuite--perfect for multi-generational living, hosting guests, or long-term/short-term rental potential. The light-filled, open-concept layout features a chef's kitchen with quartz countertops, white shaker cabinetry, subway tile backsplash, custom range hood, and a generous breakfast bar. Enjoy coastal bay views, an expansive yard with room for a private pool, boat/RV parking, and top-rated South Walton schools (Van R. Butler, Emerald Coast Middle, South Walton High). Key Features & Highlights of this home are: Flexible Living- 4 Bedrooms, 3.5 Baths with dual main & upper primary suites. Outdoor Space - 0.41-acre cleared lot, lawn pump, sprinkler system, balcony & porch.
Parking Freedom- 2-car garage + oversized driveway accommodating 4 additional vehicles.
No HOA Constraints - Freedom for recreational vehicle/watercraft storage and customized outdoor living. Seller said make an offer. hood, and an oversized island--ideal for entertaining. The first-floor primary suite offers a private retreat with a spa-like bath, including a freestanding tub, separate tiled shower, dual vanities, and a large walk-in closet. Upstairs, you'll find three additional bedrooms, including the second ensuite primary, plus an expansive 24x18 flex room--perfect for a media room, game room, home office, or additional living space. Enjoy peaceful mornings and sunset evenings from the upstairs balcony, where you can take in views of the bay and watch dolphins and local wildlife. Additional highlights include a large walk-in pantry, well-designed laundry room with room for utility sink, luxury vinyl plank flooring, and high-end finishes throughout. With no HOA restrictions, ample space, and close proximity to boating, beaches, dining, and shopping, this home offers unmatched freedom and lifestyle in one of Santa Rosa Beach's most desirable areas. Yes, there is room for a pool and your own personal backyard oasis. Schedule your private showing today and experience elevated coastal living without compromise.
For sale
Price cut: $50K (9/11)
$999,999
443 Shelter Cove Dr, Santa Rosa Beach, FL 32459
4beds
3,100sqft
Single Family Residence
Built in 2023
0.41 Acres Lot
$-- Zestimate®
$323/sqft
$-- HOA
What's special
Quartz countertopsSpa-like bathLawn pumpCustom range hoodHigh-end finishes throughoutCoastal bay viewsGenerous breakfast bar
- 217 days
- 429
- 51
Zillow last checked:
Listing updated:
Listed by:
Dawn McKenna Group,
Coldwell Banker Realty,
Bonnie S Hall 850-240-9901,
Coldwell Banker Realty
Source: ECAOR,MLS#: 998443
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 4
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
Primary bedroom
- Level: First
- Area: 195 Square Feet
- Dimensions: 13 x 15
Bedroom
- Level: Second
- Area: 197.22 Square Feet
- Dimensions: 17.3 x 11.4
Bedroom
- Level: Second
- Area: 127.6 Square Feet
- Dimensions: 11 x 11.6
Bedroom
- Level: Second
- Area: 273.24 Square Feet
- Dimensions: 19.8 x 13.8
Bonus room
- Level: Second
- Area: 432 Square Feet
- Dimensions: 24 x 18
Kitchen
- Level: First
- Area: 230.79 Square Feet
- Dimensions: 15.7 x 14.7
Laundry
- Level: First
- Area: 87.1 Square Feet
- Dimensions: 13 x 6.7
Heating
- Natural Gas
Cooling
- Central Air, Ceiling Fan(s)
Appliances
- Included: Dishwasher, Disposal, Microwave, Range Hood, Electric Water Heater
- Laundry: Washer/Dryer Hookup
Features
- Breakfast Bar, Kitchen Island, Recessed Lighting, Newly Painted, Pantry, Split Bedroom
- Flooring: Tile, Vinyl
- Windows: Window Treatments
- Common walls with other units/homes: No Common Walls
Interior area
- Total structure area: 3,100
- Total interior livable area: 3,100 sqft
Property
Parking
- Total spaces: 6
- Parking features: Garage Door Opener, Garage
- Attached garage spaces: 2
Features
- Stories: 2
- Patio & porch: Porch
- Exterior features: Balcony, Lawn Pump, Sprinkler System
- Has view: Yes
- View description: Bay
- Has water view: Yes
- Water view: Bay
Lot
- Size: 0.41 Acres
- Dimensions: 89 x 209 x 126 x 85
- Features: Cleared, Survey Available, Within 1/2 Mile to Water
Details
- Parcel number: 242S21423110000360
- Zoning description: Resid Single Family
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Contemporary
- Property subtype: Single Family Residence
Materials
- Frame, Stucco
- Roof: Metal
Condition
- Construction Complete
- New construction: No
- Year built: 2023
Utilities & green energy
- Water: Public
Community & HOA
Community
- Features: Short Term Rental - Allowed
- Security: Smoke Detector(s)
- Subdivision: SHELTER COVE ESTATES 2ND ADDN
Location
- Region: Santa Rosa Beach
Financial & listing details
- Price per square foot: $323/sqft
- Tax assessed value: $607,671
- Annual tax amount: $5,271
- Date on market: 3/20/2026
- Road surface type: Paved
Estimated market value
Not available
Estimated sales range
Not available
Not available
Price history
| Date | Event | Price |
|---|---|---|
| 9/11/2026 | Price change | $999,999-4.8%$323/sqft |
Source: | ||
| 8/28/2026 | Price change | $1,050,000-2.3%$339/sqft |
Source: | ||
| 7/6/2026 | Price change | $1,075,000-2.3%$347/sqft |
Source: | ||
| 5/7/2026 | Price change | $1,100,000-2.2%$355/sqft |
Source: | ||
| 4/16/2026 | Price change | $1,125,000-0.9%$363/sqft |
Source: | ||
| 3/20/2026 | Listed for sale | $1,135,000-3.4%$366/sqft |
Source: | ||
| 11/18/2025 | Listing removed | $1,175,000$379/sqft |
Source: | ||
| 5/2/2025 | Listed for sale | $1,175,000-2.1%$379/sqft |
Source: | ||
| 8/25/2024 | Price change | $1,200,000-4%$387/sqft |
Source: | ||
| 6/7/2024 | Listed for sale | $1,250,000-3.8%$403/sqft |
Source: | ||
| 9/27/2023 | Listed for sale | $1,299,000+709.3%$419/sqft |
Source: | ||
| 3/24/2008 | Sold | $160,500+30%$52/sqft |
Source: Public Record Report a problem | ||
| 5/25/2004 | Sold | $123,500$40/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $5,491 -5.8% | $607,671 -0.5% |
| 2024 | $5,827 +757.5% | $610,716 +906.8% |
| 2023 | $680 +27.5% | $60,658 +10% |
| 2022 | $533 +9.9% | $55,144 +10% |
| 2021 | $485 +6% | $50,131 +9.3% |
| 2020 | $458 +4.5% | $45,864 +4% |
| 2019 | $438 | $44,100 -7.6% |
| 2018 | $438 -8% | $47,727 +3% |
| 2017 | $476 +3.6% | $46,337 +4% |
| 2016 | $459 +3% | $44,555 +7% |
| 2015 | $446 +5.3% | $41,640 +10% |
| 2014 | $423 | $37,855 |
| 2013 | -- | $37,855 |
| 2012 | -- | $37,855 -5% |
| 2011 | -- | $39,847 -10% |
| 2010 | -- | $44,275 -30% |
| 2009 | -- | $63,250 +29.4% |
| 2008 | -- | $48,875 -27.6% |
| 2007 | -- | $67,500 -43.8% |
| 2005 | -- | $120,000 +433.3% |
| 2004 | -- | $22,500 |
| 2003 | -- | $22,500 +65.8% |
| 2002 | -- | $13,572 +78.6% |
| 2001 | -- | $7,600 |
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.Climate risks
Neighborhood: 32459
Nearby schools
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.





