Welcome to this beautifully updated coastal retreat in Water Oaks, located in the heart of Santa Rosa Beach! Ideally situated just approximately 3 miles from the beautiful beaches of South Walton and a short distance from popular local dining destinations, including Louis Louis, this home offers the perfect blend of coastal convenience, thoughtful upgrades, and inviting charm.
Inside, you'll find an impressive array of updates and custom features, beginning with a stunning kitchen featuring custom hardwood cabinetry, quartz countertops, a farmhouse sink, and beautiful handmade Moroccan tile backsplash. Thoughtful details include upgraded fixtures, under-cabinet lighting, and a charming coffee bar. New wide-plank LVP flooring flows throughout the entire home, complemented by shiplap accents and updated lighting.
Additional interior improvements include an upgraded primary bathroom vanity featuring a quartz countertop, new sink, faucet, lighting, and fixtures. Custom touches throughout the home include cedar closet enhancements, solid wood shelving, and added storage solutions.
Step outside and enjoy a picturesque backyard setting that backs up to a beautiful neighboring farm, offering lovely views and an added sense of privacy. The backyard also features a firepit and a fantastic newly constructed workshop complete with air conditioning, electricity, shelving, and an overhang--perfect for hobbies, projects, or additional workspace. Exterior improvements include a Wi-Fi-controlled irrigation system with a dedicated well, expanded paver driveway, stone walkway, and thoughtfully designed front yard landscaping.
With its extensive list of upgrades, charming character, exceptional outdoor features, and convenient proximity to the beaches, shopping, and dining of Santa Rosa Beach, this Water Oaks home is truly a special find. Water Oaks also allows long-term rentals, offering flexibility for those seeking a primary residence, second home, or investment opportunity. Come experience all the charm and quality this property has to offer!
For sale
$400,000
172 Water Oaks Loop, Santa Rosa Beach, FL 32459
3beds
1,258sqft
Single Family Residence
Built in 2012
3,920 Square Feet Lot
$320,000 Zestimate®
$318/sqft
$-- HOA
What's special
Updated lightingShiplap accentsQuartz countertopsAdded sense of privacySolid wood shelvingLovely viewsCustom hardwood cabinetry
- 10 hours
- 158
- 18
Zillow last checked:
Listing updated:
Listed by:
Virginia M Starbuck 478-719-9734,
The Agency Northwest Florida Beaches
Source: ECAOR,MLS#: 1015100
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Primary bedroom
- Level: Second
- Area: 168 Square Feet
- Dimensions: 14 x 12
Bedroom
- Level: Second
- Area: 90.12 Square Feet
- Dimensions: 9.7 x 9.3
Bedroom
- Level: Second
- Area: 81.34 Square Feet
- Dimensions: 8.3 x 9.8
Kitchen
- Level: First
- Area: 196 Square Feet
- Dimensions: 14 x 14
Living room
- Level: First
- Area: 272 Square Feet
- Dimensions: 17 x 16
Heating
- Central
Cooling
- Central Air, Ceiling Fan(s)
Appliances
- Included: Dishwasher, Disposal, Dryer, Freezer, Microwave, Range Hood, Refrigerator, Washer, Electric Water Heater
- Laundry: Washer/Dryer Hookup
Features
- Breakfast Bar, Pantry, Shelving
- Flooring: Vinyl
- Windows: Double Pane Windows, Window Treatments
- Common walls with other units/homes: No Common Walls
Interior area
- Total structure area: 1,258
- Total interior livable area: 1,258 sqft
Property
Parking
- Total spaces: 3
Features
- Stories: 2
- Patio & porch: Patio, Porch
- Exterior features: Private Yard, Sprinkler System
- Fencing: Partial,Privacy
Lot
- Size: 3,920 Square Feet
- Dimensions: 50' x 80'
- Features: Covenants, Restrictions
Details
- Additional structures: Workshop
- Parcel number: 282S20334400000070
- Zoning description: Resid Single Family
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Florida Cottage
- Property subtype: Single Family Residence
Materials
- Frame, Siding CmntFbrHrdBrd
- Foundation: Slab
- Roof: Composition
Condition
- Construction Complete
- New construction: No
- Year built: 2012
Utilities & green energy
- Water: Public
Community & HOA
Community
- Features: Minimum Rental Prd, Short Term Rental - Not Allowed
- Security: Smoke Detector(s)
- Subdivision: WATER OAKS
HOA
- Has HOA: Yes
- Services included: Management
Location
- Region: Santa Rosa Beach
Financial & listing details
- Price per square foot: $318/sqft
- Tax assessed value: $292,433
- Annual tax amount: $2,288
- Date on market: 11/6/2026
- Road surface type: Paved
Estimated market value
$320,000
$301,000 - $339,000
$2,117/mo
Price history
| Date | Event | Price |
|---|---|---|
| 11/6/2026 | Listed for sale | $400,000+33.8%$318/sqft |
Source: | ||
| 3/26/2021 | Sold | $299,000+122.1%$238/sqft |
Source: | ||
| 5/8/2012 | Sold | $134,621$107/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $2,288 +0.4% | $291,860 +1.4% |
| 2024 | $2,279 +1.6% | $287,755 +1.3% |
| 2023 | $2,244 +5.9% | $284,171 +6.5% |
| 2022 | $2,119 +8.4% | $266,828 +32.6% |
| 2021 | $1,955 +7% | $201,225 +10% |
| 2020 | $1,826 +6.5% | $182,932 +9.9% |
| 2019 | $1,715 | $166,425 -3.4% |
| 2018 | $1,715 +6.2% | $172,347 +24.3% |
| 2017 | $1,615 +18% | $138,674 +1.6% |
| 2016 | $1,369 +4.4% | $136,530 +3.9% |
| 2015 | $1,311 +4.8% | $131,415 +27.2% |
| 2014 | $1,250 | $103,336 |
| 2013 | -- | $103,336 +679.8% |
| 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
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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.





