Coastal cottage charm meets everyday functionality in this well-maintained home in Mosaic Oaks, ideally located in Santa Rosa Beach. Offering 3 bedrooms and 2.5 baths, the layout features an open main living area with all bedrooms upstairs, including a primary suite with private balcony, walk-in closet, and spacious bath with dual vanities, soaking tub, and separate shower. Recent upgrades include a new HVAC (2025), new range, microwave, and dishwasher (2026), fresh interior paint (2026), new sod (2026), new LVP flooring upstairs (2022), and fencing (2022). Situated on an exterior lot, this home offers a private backyard backing to a natural wooded backdrop, complete with a fenced yard and screened porch for relaxed outdoor living. A one-car garage and no-carpet interior add everyday convenience. Enjoy the best of coastal living from Bay to Beach -- just minutes to bay access, parks, and approximately 10 minutes to 30A, Ed Walline Beach Access, and dining and shopping at Gulf Place.
For sale
Price cut: $5K (7/2)
$410,000
90 Mosaic Oaks Cir, Santa Rosa Beach, FL 32459
3beds
1,871sqft
Single Family Residence
Built in 2014
3,484 Square Feet Lot
$397,000 Zestimate®
$219/sqft
$-- HOA
What's special
Fenced yardOne-car garageNo-carpet interiorSoaking tubSeparate showerWalk-in closet
- 11 days |
- 385 |
- 29 |
Zillow last checked:
Listing updated:
Listed by:
Wendy Wiggins 850-225-5102,
1 Percent Lists Florida Coast
Source: CPAR,MLS#: 791732
Originating MLS: Central Panhandle Association of REALTORS
Originating MLS: Central Panhandle Association of REALTORSLoading...
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Rooms
- Room types: Bedroom, Living Room, Primary Bedroom
Primary bedroom
- Level: Second
- Dimensions: 16 x 14
Bedroom
- Level: Second
- Dimensions: 13 x 12
Living room
- Level: First
- Dimensions: 16 x 15
Features
- Upper Level Primary
Interior area
- Total structure area: 1,871
- Total interior livable area: 1,871 sqft
Property
Parking
- Total spaces: 1
- Parking features: Garage
- Garage spaces: 1
Lot
- Size: 3,484 Square Feet
- Dimensions: 43.0 ft x 86.0 ft
Details
- Parcel number: 242S20335100000090
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Florida
- Property subtype: Single Family Residence
Condition
- New construction: No
- Year built: 2014
Utilities & green energy
- Sewer: Public Sewer
Community & HOA
Community
- Subdivision: [No Recorded Subdiv]
HOA
- Has HOA: Yes
- Amenities included: Gazebo
Location
- Region: Santa Rosa Beach
Financial & listing details
- Price per square foot: $219/sqft
- Tax assessed value: $348,526
- Annual tax amount: $1,662
- Date on market: 6/23/2026
- Cumulative days on market: 11 days
Estimated market value
$397,000
$377,000 - $417,000
$2,998/mo
Price history
| Date | Event | Price |
|---|---|---|
| 7/2/2026 | Price change | $410,000-1.2%$219/sqft |
Source:  ECAOR #998538 Report a problem | ||
| 5/23/2026 | Listed for sale | $415,000$222/sqft |
Source: ECAOR #998538 Report a problem | ||
| 5/19/2026 | Pending sale | $415,000$222/sqft |
Source: ECAOR #998538 Report a problem | ||
| 4/14/2026 | Price change | $415,000-1%$222/sqft |
Source: ECAOR #998538 Report a problem | ||
| 3/20/2026 | Listed for sale | $419,000+86.2%$224/sqft |
Source: ECAOR #998538 Report a problem | ||
| 6/28/2014 | Sold | $224,975$120/sqft |
Source: ECAOR #602179 Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $1,662 +2.2% | $222,553 +2.9% |
| 2024 | $1,626 +4.2% | $216,281 +3% |
| 2023 | $1,560 +1.6% | $209,982 +3% |
| 2022 | $1,536 -1% | $203,866 +3% |
| 2021 | $1,551 -1.6% | $197,928 +1.4% |
| 2020 | $1,576 +3.4% | $195,195 +2.3% |
| 2019 | $1,524 | $190,806 +1.9% |
| 2018 | $1,524 +1.9% | $187,248 +2.1% |
| 2017 | $1,495 +3.1% | $183,397 +2.1% |
| 2016 | $1,450 +1.6% | $179,625 +0.7% |
| 2015 | $1,427 -0.8% | $178,376 +710.8% |
| 2014 | $1,439 | $22,000 |
| 2013 | -- | $22,000 +115.7% |
| 2012 | -- | $10,200 -46% |
| 2011 | -- | $18,900 -10% |
| 2010 | -- | $21,000 -30% |
| 2009 | -- | $30,000 -64.7% |
| 2008 | -- | $85,000 |
Find assessor info on the county website
Monthly payment
Est. payment$--/mo
Payment breakdown
Explore the cost of this home by adjusting the details. Changes won't be saved.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.
Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
See how much you could borrow to make a competitive offer.
Climate risks
Neighborhood: 32459
Nearby schools
GreatSchools rating
- 10/10Bay Elementary SchoolGrades: K-5Distance: 8.3 mi
- 8/10Emerald Coast Middle SchoolGrades: 6-8Distance: 5.9 mi
- 8/10South Walton High SchoolGrades: 9-12Distance: 1.6 mi
Schools provided by the listing agent
- Elementary: Dune Lakes
- Middle: Emerald Coast
- High: South Walton
Source: CPAR. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
A local agent can set up tours, give advice and negotiate with sellers.
A local lender can help you make sure your offer is ready when you are.
- Florida
- Walton County
- Santa Rosa Beach
- 32459
- 90 Mosaic Oaks Cir
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