Never lived in 2021-built Florida cottage in a non-short-term rental community in Santa Rosa Beach, offering a quiet residential setting just minutes from 30A and local hotspots. Originally held off-market as the builder's office, this home presents as new with a clean, well-maintained interior and no prior occupancy.
The 3-bedroom, 2.5-bath layout spans approximately 1,417 square feet with an open-concept living area, tray ceilings, and abundant natural light. The kitchen features white shaker cabinetry, solid surface countertops, stainless steel appliances, and a large island overlooking the main living space. Luxury vinyl plank flooring runs throughout, creating a cohesive, low-maintenance interior.
The primary suite includes a double vanity and a walk-in shower. The split-bedroom layout provides separation from the additional bedrooms. Located in a neighborhood with HOA-maintained standards and no short-term rentals, this property offers a more stable, residential environment compared to nearby rental-heavy areas.
Conveniently located just off Mussett Bayou with easy access to Hwy 98, 30A, dining, shopping, and the emerald coast beaches.
All information is deemed reliable but not guaranteed. Buyer to verify all details, including but not limited to measurements, features, zoning, and permitted uses.
For sale
Price cut: $10K (9/5)
$435,000
191 Water Oaks Loop, Santa Rosa Beach, FL 32459
3beds
1,417sqft
Single Family Residence
Built in 2021
3,920 Square Feet Lot
$-- Zestimate®
$307/sqft
$-- HOA
What's special
Split-bedroom layoutAbundant natural lightSolid surface countertopsLuxury vinyl plank flooringWalk-in showerTray ceilingsPrimary suite
- 168 days
- 301
- 29
Zillow last checked:
Listing updated:
Listed by:
Crystal A Ball 205-329-0759,
Anchor Realty Florida
Source: ECAOR,MLS#: 999960
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Primary bedroom
- Level: First
- Area: 156 Square Feet
- Dimensions: 12 x 13
Bedroom
- Level: First
- Area: 132 Square Feet
- Dimensions: 11 x 12
Bedroom
- Level: First
- Area: 110 Square Feet
- Dimensions: 10 x 11
Family room
- Level: First
- Area: 288 Square Feet
- Dimensions: 18 x 16
Kitchen
- Level: First
- Area: 144 Square Feet
- Dimensions: 16 x 9
Heating
- Central
Cooling
- Central Air, Ceiling Fan(s)
Appliances
- Included: Cooktop, Dishwasher, Freezer, Microwave, Refrigerator
Features
- Common walls with other units/homes: No Common Walls
Interior area
- Total structure area: 1,417
- Total interior livable area: 1,417 sqft
Property
Features
- Stories: 1
- Patio & porch: Covered, Patio, Porch
- Exterior features: Columns, Sprinkler System
Lot
- Size: 3,920 Square Feet
- Dimensions: 50 x 85
Details
- Parcel number: 282S20334400000400
- Zoning description: Resid Single Family
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Florida Cottage
- Property subtype: Single Family Residence
Materials
- Frame, Siding CmntFbrHrdBrd
- Roof: Composition
Condition
- Construction Complete
- New construction: No
- Year built: 2021
Community & HOA
Community
- 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: $307/sqft
- Tax assessed value: $338,730
- Annual tax amount: $3,060
- Date on market: 9/5/2026
- Road surface type: Paved
Estimated market value
Not available
Estimated sales range
Not available
Not available
Price history
| Date | Event | Price |
|---|---|---|
| 9/5/2026 | Price change | $435,000-2.2%$307/sqft |
Source:  ECAOR #999960 Report a problem | ||
| 7/18/2026 | Price change | $445,000-9%$314/sqft |
Source: ECAOR #999960 Report a problem | ||
| 4/3/2026 | Listed for sale | $489,000-7.6%$345/sqft |
Source:  CPAR #787865 Report a problem | ||
| 2/1/2024 | Listing removed | -- |
Source: ECAOR #928311 Report a problem | ||
| 7/23/2023 | Listing removed | $529,000$373/sqft |
Source: ECAOR #928311 Report a problem | ||
| 7/23/2023 | Listed for sale | $529,000$373/sqft |
Source: ECAOR #928311 Report a problem | ||
| 7/20/2023 | Listing removed | $529,000$373/sqft |
Source: CPAR #744151 Report a problem | ||
| 7/20/2023 | Listed for sale | $529,000+277.9%$373/sqft |
Source: CPAR #744151 Report a problem | ||
| 1/12/2016 | Sold | $140,000$99/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $3,061 -1.1% | $338,730 |
| 2024 | $3,094 +1.6% | $338,730 +2.1% |
| 2023 | $3,044 +8.8% | $331,715 +10% |
| 2022 | $2,798 +1193% | $301,559 +1248.8% |
| 2021 | $216 +6% | $22,358 +9.3% |
| 2020 | $204 +4.5% | $20,455 +4% |
| 2019 | $195 | $19,668 +4% |
| 2018 | $195 +3.6% | $18,912 +3% |
| 2017 | $189 +3.6% | $18,361 +4% |
| 2016 | $182 +7.8% | $17,655 +7% |
| 2015 | $169 +6.6% | $16,500 +24.5% |
| 2014 | $158 | $13,252 |
| 2013 | -- | $13,252 |
| 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
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.
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