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For sale
  • $400,000

    172 Water Oaks Loop, Santa Rosa Beach, FL 32459

    3beds
    1,258sqft
    : 
    $2,549/mo
    Get pre-qualified
    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
    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!
    10 hours
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    Zillow last checked:

    Listing updated:

    Listed by:

    Virginia M Starbuck 478-719-9734,

    The Agency Northwest Florida Beaches

    Source: ECAOR,MLS#: 1015100MLS Logo

      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

        DateEventPrice
        11/6/2026Listed for sale$400,000+33.8%$318/sqft
        Source: ECAOR #1015100 Report a problem
        3/26/2021Sold$299,000+122.1%$238/sqft
        Source: ECAOR #863572 Report a problem
        5/8/2012Sold$134,621$107/sqft
        Source: Public Record Report a problem

        Public tax history

        YearProperty taxesTax 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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        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.
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        Climate risks

        Neighborhood: 32459

        Getting around

        17 / 100
        Car-Dependent
        29 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating
        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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