SANTA ROSA BEACH UNDER $350K! If you've been waiting for an affordable opportunity to own in Santa Rosa Beach, this one deserves a look! This charming 3-bedroom, 2-bath cottage features a fenced backyard, welcoming front porch, vaulted ceilings, tons of natural light, a separate dining room, spacious primary suite with two closets, and NO HOA! Even better, the home currently has a VA mortgage with an incredible 2.75% interest rate that may be assumable for a qualified buyer, subject to lender/VA approval. The location is hard to beat--just 3.9 miles to Ed Walline Public Beach Access (30A) and local favorite Shunk Gulley, and only 1.7 miles to Hogtown Bayou Park and boat ramp. Beach days, boating, fishing, dining, and the South Walton lifestyle are all within easy reach. All of this for UNDER $350,000! Whether you're looking for a primary residence, second home, or a property you can make your own, this is an opportunity worth seeing
Santa Rosa Beach, located between Grayton Beach State Park and Seaside, is a coastal and low-rise Miramar Beach neighborhood with dune-backed shorelines and pine-flatwood trails. The neighborhood’s character concentrates around the 30A corridor near the County Highway 393 junction, where bike traffic, beach cruisers, and small storefronts set a relaxed, design-forward pace. Architectural cues lean toward coastal cottages and contemporary beach homes with deep porches and metal roofs. Gulf views and rare coastal dune lakes shape daily rhythms, with boardwalks and trailheads threading through scrub and sand. Community pillars include The REP Theatre in Seaside, the open-air E.O. Wilson Park, and the long-running Grayton Beer Company taproom.
Provided by Walk Score and Local Logic
Offer insights
19 N 3rd St · $335,000
$335K and above
75% chance or better to win
Why $335K+ is a strong offer
DAYS ON MARKET
33 days
The average home goes pending in 88 days.
SALE-TO-LIST
96.5%
Most homes are selling 4% below list price.
About offer insights
Property details
Interior
Exterior
Finance
Kitchen
Bathroom
Bedroom
Living
Dining
Interior features
Breakfast bar
Crown molding
Vaulted ceilings
Built-in shelving
Unfurnished
Bedrooms
3 bedrooms
Primary suite on the first floor with walk-in closet and tile bathroom
Primary bathroom with double vanity
Bathrooms
2 full bathrooms
Kitchen
Dishwasher
Disposal
Microwave
Electric water heater
Laundry & utility
Electric water heater
Flooring
Tile flooring
Heating & cooling
Central heat
Heat pump
Central air conditioning
Ceiling fans
Exterior features
Open patio
Porch
Lot roughly 50 x 125
Landscaped yard
Home design
Florida Cottage style
Single-story
Parking
Driveway with space for 2 vehicles
Security
Smoke detectors
Construction
Built in 2006
Frame construction with cement fiberboard siding
Composite shingle roof
Slab foundation
Utilities
Public water
Public sewer
Electric service
HOA & community
Located in the Town of Santa Rosa subdivision
Electricity and solar
View estimated energy costs and solar savings for this home
Enjoy your own slice of paradise! Super cute Florida style cottage just 5+ minutes from the beautiful beaches of South Walton. Close to the Bay, shopping, restaurants and more! Located in a quiet, upcoming neighborhood on the north side of HWY 98 just minutes from the 331 bridge. The home offers plenty of space that minimizes hallways and maximizes living space! An airy living room with vaulted ceilings & natural light invites you into the home and graceful arches open into the kitchen and dining room. Granite countertop, freshly painted white cabinets with the combination of the Black and stainless-steel Kenmore Refrigerator, Stove, Microwave and Dishwasher creates a nice fresh look. In addition, it offers an oversized laundry with extra shelving and storage.
ECAR #605395
Sep 26, 2013
Listed
$6,800
$5/sq ft
ECAR #569809
Jun 22, 2012
Sold
$118,000
$78/sq ft
Jan 9, 2012
Listed
$127,900
$85/sq ft
ECAR #565327
Dec 15, 2011
Sold
$40,000
$27/sq ft
Sep 30, 2011
Listed
$69,900
$46/sq ft
Public Records
Aug 11, 2004
Sold
$510,000
$339/sq ft
Year
Property tax
Land + Additions
Assessment*
2025
$1,475 (+2.4%)
2024
$1,441 (+4.4%)
2023
$1,380 (+1.8%)
2022
$1,356 (−0.9%)
2021
$1,368 (+129.6%)
$21,947 + $161,982
$183,929
2020
$596 (+4.5%)
2019
$570 (+2.7%)
2018
$555 (+3.9%)
2017
$535 (+2.4%)
2016
$522 (−0.8%)
2015
$526 (−0.2%)
2014
$527
Public record
Public record
Zoning
Beds
3
Baths
2
Stories
1
Lot width
5 ft.
Lot depth
13 ft.
Lot size
6,229 Sq. Ft.
Year renovated
2006
Finished Sq. Ft.
1,504
Unfinished Sq. Ft.
—
Total Sq. Ft.
1,504
Year built
2006
Style
Single Family Residential
County
Walton County
APN
222S20331200680110
Parking Spaces
—
Basement
—
Accessible
—
HOA Dues
—
Garage
—
Features
—
Last updated by owner on Sep 9, 2026.
RP
Residential Preservation District
This district consists primarily of subdivisions existing as of November 7, 1996, approved development projects which are vested or built out, or recorded platted subdivisions that have infrastructure in place and are substantially built out.
Permitted uses
Include but are not limited to:
No uses permitted by right
Climate risks
3/10 Flood Factor
Estimated 10-16% chance of a flood reaching the building in the next 30 years
3/10 Fire Factor
0.15% chance of being in a wildfire in next 30 years
10/10 Heat Factor
7 days above 104° expected this year, 23 days in 30 years
9/10 Wind Factor
99% chance of strong winds in next 30 years
1/10 Air Factor
0 unhealthy days expected this year, 0 days in 30 years
Provided by First Street
Historical weather
Santa Rosa Beach, FL • 32459
Average low and high temperatures (°F)
59
43
65
52
71
57
76
64
80
70
86
76
88
79
86
77
86
72
79
66
73
59
64
50
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Sun exposure
85/ 100
Very good sunlight
Sunscore
This home ranks in the top 28% for direct sun exposure in Santa Rosa Beach. There appears to be minimal shading by surrounding buildings, terrain, and vegetation.
8.4 hrs
5.5 hrs
JuneDecember
Provided by Shadowmap
Redfin Estimate for 19 N 3rd St
$331,696
$3,304 under list price of $335K
Nearby comparable homes
The Redfin Estimate uses 6 recent nearby sales, priced between $330K to $515K.