This beautifully designed 3.5BR, 3.5BA coastal home offers an exceptional blend of modern luxury and Southern charm, tucked within the serene Cottage Grove community. Built in 2020 and surrounded by state forest and preserve, it provides both privacy and proximity with plenty of room for a pool, and just a mile from the beach with a new multi-use path leading directly to Gulf Place on 30A. Inside, 10-ft. ceilings and engineered hardwood floors set the stage for refined coastal living. The gourmet kitchen is a chef's dream, featuring a large island with ample storage, KitchenAid commercial-style appliances, and a wine refrigerator with custom cabinetry in the dining area. Plus a half bath featuring designer tile flooring and a dedicated extra home office with single bed offers flexibility on the main level, while designer lighting and quartz countertops elevate the space. Upstairs, the spacious primary bedroom offers a luxurious tile shower with dual vanities, and a large walk-in closet. The suite opens to a private balcony overlooking the tranquil community pond, which is a perfect spot for morning coffee and stunning sunsets. The second floor also offers another guest room with ensuite bathroom, and a huge bunk room with four built-in bunks, plus another guest bathroom. The screened porch with a summer kitchen extends the living space outdoors, overlooking a spacious backyard with an outdoor firepit and plenty of room for a pool. Notable additions include an epoxy-finished garage floor, surround sound speakers and security system. Move-in ready and sold furnished with a few exclusions, this home also includes a golf cart for effortless coastal cruising. With a gated entrance, community pool, and the opportunity for 30+ day rentals, Cottage Grove offers a peaceful retreat minutes from everything 30A has to offer.
Pending
$1,295,000
90 White Cottage Rd, Santa Rosa Beach, FL 32459
3beds
2,324sqft
Est.:
Single Family Residence
Built in 2020
-- sqft lot
$1,221,000 Zestimate®
$557/sqft
$320/mo HOA
What's special
Dedicated extra home officeQuartz countertopsKitchenaid commercial-style appliancesGourmet kitchenDesigner tile flooringEngineered hardwood floorsLarge walk-in closet
- 104 days |
- 90 |
- 2 |
Zillow last checked: 8 hours ago
Listing updated: November 23, 2025 at 08:13am
Listed by:
Kandace N Tomes-Holland kandace@scenicsir.com,
Scenic Sotheby's International Realty
Source: ECAOR,MLS#: 985198
Originating MLS: Emerald Coast
Originating MLS: Emerald CoastFacts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
Primary bedroom
- Features: MBed Balcony, Walk-In Closet(s)
- Level: Second
Bedroom
- Level: Second
Primary bathroom
- Features: Double Vanity, MBath Shower Only, MBath Tile
Kitchen
- Level: First
Living room
- Level: First
Cooling
- AC - 2 or More, Electric
Appliances
- Included: Cooktop, Dishwasher, Disposal, Dryer, Microwave, Double Oven, Range Hood, Refrigerator W/IceMk, Gas Range, Washer, Wine Refrigerator, Tankless Water Heater
- Laundry: Washer/Dryer Hookup
Features
- Breakfast Bar, Crown Molding, Kitchen Island, Recessed Lighting, Pantry, Walls Wainscoting, Wet Bar, Bedroom, Dining Room, Kitchen, Living Room, Master Bedroom, Office, Sun Room
- Flooring: Hardwood, Tile
- Doors: Storm Door(s)
- Windows: Double Pane Windows, Storm Window(s), Window Treatments
- Common walls with other units/homes: No Common Walls
Interior area
- Total structure area: 2,324
- Total interior livable area: 2,324 sqft
Property
Parking
- Total spaces: 4
- Parking features: Attached, Guest, Garage Door Opener, Garage
- Attached garage spaces: 1
- Has uncovered spaces: Yes
Features
- Stories: 2
- Patio & porch: Deck Covered, Patio Covered, Patio Open, Porch Screened
- Exterior features: Balcony, Barbecue, Sprinkler System, Outdoor Kitchen
- Pool features: Community
- Fencing: Back Yard,Full
- Has view: Yes
- View description: Pond
- Has water view: Yes
- Water view: Pond
Lot
- Dimensions: 54' x 130' x 54' x 123
- Features: Covenants, Curb & Gutter, Restrictions, See Remarks, Sidewalk, Survey Available, Wooded
Details
- Parcel number: 342S20332720000050
- Zoning description: Resid Single Family
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Beach House
- Property subtype: Single Family Residence
Materials
- Siding CmntFbrHrdBrd
- Roof: Metal
Condition
- Construction Complete
- Year built: 2020
Utilities & green energy
- Sewer: Public Sewer
- Water: Public
- Utilities for property: Electricity Connected, Natural Gas Connected, Cable Connected
Community & HOA
Community
- Features: Gated, Pool
- Security: Security System, Smoke Detector(s)
- Subdivision: Cottage Grove
HOA
- Has HOA: Yes
- Services included: Maintenance Grounds, Legal, Management, Recreational Faclty, Trash
- HOA fee: $961 quarterly
Location
- Region: Santa Rosa Beach
Financial & listing details
- Price per square foot: $557/sqft
- Tax assessed value: $705,688
- Annual tax amount: $6,445
- Date on market: 9/12/2025
- Cumulative days on market: 320 days
- Lease term: No Rental
- Electric utility on property: Yes
Estimated market value
$1,221,000
$1.16M - $1.28M
$4,410/mo
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 11/23/2025 | Pending sale | $1,295,000$557/sqft |
Source:  ECAOR #985198 Report a problem | ||
| 9/12/2025 | Price change | $1,295,000-0.4%$557/sqft |
Source: ECAOR #985198 Report a problem | ||
| 3/24/2025 | Price change | $1,300,000-3.7%$559/sqft |
Source: ECAOR #968148 Report a problem | ||
| 2/9/2025 | Listed for sale | $1,350,000+22.8%$581/sqft |
Source: ECAOR #968148 Report a problem | ||
| 6/8/2021 | Sold | $1,099,000$473/sqft |
Source: ECAOR #871995 Report a problem | ||
Public tax history
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $6,446 +0.5% | $705,688 |
| 2023 | $6,412 +4% | $705,688 +6.1% |
| 2022 | $6,166 +28.2% | $665,306 +24.5% |
Find assessor info on the county website
BuyAbility℠ payment
Est. payment
$8,277/mo
Principal & interest
$6500
Property taxes
$1004
Other costs
$773
Climate risks
Neighborhood: 32459
Nearby schools
GreatSchools rating
- 9/10Van R. Butler Elementary SchoolGrades: K-5Distance: 1.9 mi
- 8/10Emerald Coast Middle SchoolGrades: 6-8Distance: 7 mi
- 8/10South Walton High SchoolGrades: 9-12Distance: 3.1 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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