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.
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
191 Water Oaks Loop · $435,000
$434K and above
75% chance or better to win
Why $434K+ is a strong offer
DAYS ON MARKET
150 days
The average home goes pending in 82 days.
SALE-TO-LIST
96.5%
Most homes are selling 3% below list price.
About offer insights
Property details
Interior
Exterior
Finance
Kitchen
Bathroom
Bedroom
Interior features
Five total rooms
Smoke detector(s)
Bedrooms
Three bedrooms
Primary bedroom on the first floor with walk-in closet and double vanity in the primary bathroom
Bathrooms
Three total bathrooms (two full, one half)
Kitchen
Kitchen on the first floor
Cooktop
Dishwasher
Freezer
Microwave
Refrigerator
Laundry & utility
Electric heat control
Heating & cooling
Central heating
Central air conditioning
Ceiling fan(s)
Exterior features
Covered and open patios
Porch
Columns
Sprinkler system
City street frontage on a paved road (50 x 85 lot)
Home design
Florida Cottage style
Single-story
Built in 2021
Parking
Four driveway spaces
Security
Smoke detector(s)
Construction
Frame construction with cement fiberboard/hardboard siding
Composite shingle roof
Utilities
Community sewer
Community water
Electric service
Underground utilities
HOA & community
Community association present; fees cover management and accounting
Other
Subdivision: WATER OAKS
Electricity and solar
View estimated energy costs and solar savings for this home
This district is designed to facilitate compatible development of unplatted or vacant parcels that total ten contiguous acres or less within areas where the majority of the adjacent or surrounding land has been developed.
Permitted uses
Include but are not limited to:
No uses permitted by right
Apr 19, 2021 • Final
Single family dwelling
New construction
Permit history is from public records and may be incomplete or inaccurate. Redfin and its agents make no representations about the property condition or permit status. Buyers should independently verify all information.
Climate risks
1/10 Flood Factor
Minimal risk of a flood reaching the building in the next 30 years
3/10 Fire Factor
0.31% 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
2/10 Air Factor
0 unhealthy days expected this year, 1 days in 30 years
Provided by First Street
Historical weather
Santa Rosa Beach, FL • 32459
Average low and high temperatures (°F)
59
43
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52
71
57
76
64
80
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88
79
86
77
85
74
79
66
73
59
64
50
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Sun exposure
84/ 100
Very good sunlight
Sunscore
This home receives average direct sun exposure in the zip code. There appears to be minimal shading by surrounding buildings, terrain, and vegetation.
8.3 hrs
5.9 hrs
JuneDecember
Provided by Shadowmap
Redfin Estimate for 191 Water Oaks Loop
We cannot show automated home-value estimates for this home.
Nearby homes have recently sold between $330,000 and $659,000.
Nearby comparable homes
The Redfin Estimate uses 6 recent nearby sales, priced between $330K to $659K.