OFF MARKET

Off market apr 2011 for $1.1M

$3,833,864

Est. refi paymentEst. refi $7,572/mo

•

2,132

sq ft

20 Ruskin St, Santa Rosa Beach, FL 32459

About this home

This cottage is located two lots in from 30A and just a few steps to the sugar white sand beach. Three gracious porches, one above the other are the focal point of this cottage as you arrive to begin you Seaside vacation. Once inside an open stairway leads you up to the kitchen, dining and living areas. Choose one of the many porches or the spacious open deck to entertain family or friends. Spiral stairs lead to enclosed tower bedroom with deck. Master bedroom and bath with Jacuzzi tub are on the first level along with two guest bedrooms and a recently updated bathroom finished with travertine. Outside shower, brick driveway.Room to add guest cottage. Furnishings negotiable

Single-familyProperty Type

1990Year Built

$1,798Est. Price/Sq.Ft.

2 spacesParking

Listed by Jacks Barker • Seaside Community Realty Inc

Bought with Donna Spiers • Seaside Community Realty Inc

Redfin checked: a minute ago

•Source:ECAR #544695

Redfin Estimate

$3,833,864

$2.7M since sold in April 2011$35K since October

Recently sold homes
Estimate history
Homes for sale

This home's estimate is 52.8% higher than the average sale price ($2.51M) of 6 comparable homes.

SOLD JUL 17, 2026
$2,550,000
A
4 beds3.5 baths2,222 sq ft
712 Forest St, Santa Rosa Beach, FL 32459
SOLD JUN 26, 2026
$1,850,000
B
4 beds3 baths1,904 sq ft
127 Dogwood St, Santa Rosa Beach, FL 32459
SOLD JUL 13, 2026
$2,700,000
C
3 beds3 baths2,424 sq ft
142 Mystic Cobalt St, Santa Rosa Beach, FL 32459
SOLD OCT 16, 2026
$2,200,000
D
3 beds3 baths1,546 sq ft
125 Silver Laurel Way, Santa Rosa Beach, FL 32459
SOLD AUG 20, 2026
$2,200,000
E
3 beds3.5 baths1,671 sq ft
181 Smolian Cir, Santa Rosa Beach, FL 32459
SOLD SEP 17, 2026
$3,550,000
F
4 beds4 baths2,745 sq ft
765 Western Lake Dr, Santa Rosa Beach, FL 32459

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Sell

$3,023,715

Est. take-home

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Refinance

Est. cash available

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Rent

$4,700/mo

Redfin rental estimate

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Market trends in 32459, FL

Last updated October 2026

Buyer's Market

Seller's Market

Buyer's market

Sale-to-list price

96.2%

+0.3% MoM

Median sale price

$922K

$10K MoM

Avg. days on market

83d

4 days MoM

Recently sold homes

340

12 MoM

New listings for sale

NEW 9 HRS AGO
$250,000
2 beds1 bath646 sq ft
87 N 4th St, Santa Rosa Beach, FL 32459
$1,175,000
3 beds3.5 baths2,115 sq ft
97 Grayton Blvd, Santa Rosa Beach, FL 32459
OPEN SUN, 1PM TO 3PM
$3,125,000
6 beds6.5 baths4,262 sq ft
327 Eastern Lake Rd, Santa Rosa Beach, FL 32459
NEW 10 HRS AGO
$220,000
3 beds2 baths840 sq ft
95 N 7th St, Santa Rosa Beach, FL 32459
NEW 26 HRS AGO
$825,000
2 beds2 baths1,530 sq ft
145 Sunrise Cir, Santa Rosa Beach, FL 32459
EARLY ACCESS
$2,699,000
4 beds4 baths2,756 sq ft
186 W Grove Ave, Santa Rosa Beach, FL 32459
NEW 33 HRS AGO
$1,925,000
3 beds3 baths2,620 sq ft
1551 E Nursery Rd, Santa Rosa Beach, FL 32459
NEW 34 HRS AGO
$464,000
2 beds2.5 baths1,569 sq ft
62 S Zander Way, Santa Rosa Beach, FL 32459
EARLY ACCESS
$975,000
4 beds5 baths1,971 sq ft
441 Dolphin Dr, Santa Rosa Beach, FL 32459
NEW 1 DAY AGO
$999,999
5 beds3 baths3,005 sq ft
24 Palmer Ln, Santa Rosa Beach, FL 32459
See all

Provided by Redfin

Sale history for 20 Ruskin St

Date

Event

Price

ECAR #544695

Apr 22, 2011

Sold

$1,175,000

$551/sq ft

Sep 4, 2010

Listed

$1,395,000

$654/sq ft

+10

Year

Property tax

Land + Additions

Assessment*

2025

$28,058 (−9.8%)

$1,155,000 + $1,950,269

$3,105,269

2024

$31,104 (+59.0%)

2023

$19,566 (+8.1%)

2022

$18,097 (+17.3%)

2021

$15,431 (+2.5%)

$580,898 + $1,013,217

$1,594,115

2020

$15,053 (+8.0%)

$531,449 + $976,465

$1,507,914

2019

$13,933 (+2.4%)

$515,970 + $887,060

$1,403,030

2018

$13,605 (+2.1%)

$500,941 + $863,468

$1,364,409

2017

$13,325 (+15.3%)

$486,351 + $858,024

$1,344,375

2016

$11,560 (+4.7%)

$467,645 + $687,627

$1,155,272

2015

$11,043 (+11.1%)

$437,051 + $672,500

$1,109,551

2014

$9,940

Tax history for 20 Ruskin St

Year

Property tax

Land + Additions

Assessment*

2025

$28,058 (−9.8%)

$1,155,000 + $1,950,269

$3,105,269

2024

$31,104 (+59.0%)

2023

$19,566 (+8.1%)

2022

$18,097 (+17.3%)

2021

$15,431 (+2.5%)

$580,898 + $1,013,217

$1,594,115

2020

$15,053 (+8.0%)

$531,449 + $976,465

$1,507,914

2019

$13,933 (+2.4%)

$515,970 + $887,060

$1,403,030

2018

$13,605 (+2.1%)

$500,941 + $863,468

$1,364,409

2017

$13,325 (+15.3%)

$486,351 + $858,024

$1,344,375

2016

$11,560 (+4.7%)

$467,645 + $687,627

$1,155,272

2015

$11,043 (+11.1%)

$437,051 + $672,500

$1,109,551

2014

$9,940

*Taxable value of land and structures on it ("additions") is determined regularly by local assessors and does not affect market price.

Public record

Public record
Zoning
Permits

Beds

Baths

Stories

Lot width

4 ft.

Lot depth

10 ft.

Lot size

4,094 Sq. Ft.

Year renovated

2010

Sq. Ft.

2,272

Year built

1990

Style

Single Family Residential

County

Walton County

APN

153S192513000A0020

Parking Spaces

—

Basement

—

Accessible

—

HOA Dues

—

Garage

—

Features

—

Last updated by owner on Sep 9, 2026.

Property details

Parking

Parking Information
Driveway Spaces: 2.00

Interior

Virtual Tour
Branded Virtual Tour: http://www.vrtourproductions.com/viewer/default.asp?System=1&dbTourID=1804
UnBranded Virtual Tour: http://www.vrtourproductions.com/viewer/default.asp?System=1&dbTourID=1804

Bedroom Information
Bedrooms: 4
Bedroom: First
Master Bedroom: First

Bathroom Information
Full Baths: 3
Total Baths: 3.00
Full Bathroom: First, Second
Master Bedroom/Master Bath: MBath Garden Tub, MBed First Floor

Room Information
Rooms: Bedroom, Dining Area, Foyer, Full Bathroom, Kitchen, Living Room, Master Bathroom, Master Bedroom, Screened Porch, Terrace
Kitchen: First
Living Room: Second

Room 1
Screened Porch
Area: 250.00
Dimensions: 25 x 10
Dimensions: 10x25
Length: 25.00
Width: 10.00
Level: 1
Room Level: 1

Room 2
Foyer
Area: 50.00
Dimensions: 10 x 5
Dimensions: 5x10
Length: 10.00
Width: 5.00
Level: 1
Room Level: 1

Room 3
Bedroom
Area: 168.00
Dimensions: 14 x 12
Dimensions: 12x14
Length: 14.00
Width: 12.00
Level: 1
Room Level: 1

Room 4
Bedroom
Area: 132.00
Dimensions: 12 x 11
Dimensions: 11x12
Length: 12.00
Width: 11.00
Level: 1
Room Level: 1

Room 5
Full Bathroom
Area: 30.00
Dimensions: 6 x 5
Dimensions: 5x6
Length: 6.00
Width: 5.00
Level: 1
Room Level: 1

Room 6
Master Bedroom
Area: 375.00
Dimensions: 25 x 15
Dimensions: 25x15
Length: 25.00
Width: 15.00
Level: 1
Room Level: 1

Room 7
Master Bathroom
Area: 30.00
Dimensions: 6 x 5
Dimensions: 5x6
Length: 6.00
Width: 5.00
Level: 1
Room Level: 1

Room 8
Screened Porch
Area: 250.00
Dimensions: 25 x 10
Dimensions: 10x25
Length: 25.00
Width: 10.00
Level: 2
Room Level: 2

Room 9
Living Room
Area: 425.00
Dimensions: 25 x 17
Dimensions: 25x17
Length: 25.00
Width: 17.00
Level: 2
Room Level: 2

Room 10
Kitchen
Area: 132.00
Dimensions: 12 x 11
Dimensions: 11x12
Length: 12.00
Width: 11.00
Level: 1
Room Level: 1

Room 11
Dining Area
Area: 195.00
Dimensions: 15 x 13
Dimensions: 15x13
Length: 15.00
Width: 13.00
Level: 2
Room Level: 2

Room 12
Full Bathroom
Area: 48.00
Dimensions: 8 x 6
Dimensions: 6x8
Length: 8.00
Width: 6.00
Level: 2
Room Level: 2

Room 13
Bedroom
Area: 196.00
Dimensions: 14 x 14
Dimensions: 14x14
Length: 14.00
Width: 14.00
Level: 1
Room Level: 1

Room 14
Terrace
Area: 250.00
Dimensions: 25 x 10
Dimensions: 25x10
Length: 25.00
Width: 10.00
Level: 3
Room Level: 3

Interior Features
Appliances: Dishwasher, Dryer, Refrigerator, Smoke Detector, Stove/Oven Electric, Washer
Interior: Ceiling Raised, Floor Hardwood, Furnished - None, Washer/Dryer Hookup, Window Treatment All, Woodwork Painted

Exterior

Exterior Features
Exterior: Fenced Lot-Part, Porch, Porch Open, Porch Screened, Separate Living Area, Shower

Lot Information
Lot Dimensions: 42X98
Lot Features: Covenants, Interior, Level, Restrictions, Within 1/2 Mile to Water
Lot/Parcel Access: Paved Road, Private Road
Zoning: Deed Restrictions, Residential Single Family

Building Information
Construction Status: Construction Complete
Construction/Siding: Foundation Off Grade, Foundation On Piling, Frame, Roof Metal, Siding Wood, Trim Wood

Financial

Lease Information
Existing Leases: Daily/Weekly

Financial Information
Mortgage Type: Conventional
Financing: Conventional
Brokerage Interest: No Interest

Utilities

Utility Information
Utilities: Public Sewer, Public Water, Tap Fee Paid, TV Cable
Energy: AC - 2 or More, AC - Central Elect, Ceiling Fans, Heat Cntrl Electric, Water Heater - Elect

Location

Assessment Information
Assessment Fees: Yes
Assessment Amount: 3200.00
Assessment Paid: Annually

Homeowners Association Information
Fees Include: Trash

School Information
Elementary School: Bay
Middle School: Seaside
High School: South Walton

Location Information
Sub Area: 1802 - East of Hwy 395
Area: 18 - 30A East
Street #: 20
Street Name: Ruskin
Street Suffix: Street
City: Santa Rosa Beach
County: Walton
State: FL
Zip Code: 32459
Project Name/Subdivision: SEASIDE 05
Absolute Longitude: 86.139153
Longitude: -86.139153
Latitude: 30.32048
Directions: From 30-A in Seaside, turn on W. Ruskin Street. Second house on right

Project Facilities
Exercise Room, Pavillion/Gazebo, Picnic Area, Playground, Pool

Public facts

Beds: 3
Baths: 3.0
Sq. Ft.: 2,272
Stories: 3.0
Lot Size: 4,094 square feet
Style: Single Family Residential
Year Built: 1990
Year Renovated: 2010
County: Walton County
APN: 153S192513000A0020

Home facts updated by county records on Sep 8, 2026

Other

Listing Price Information
List Price: 1395000.00
List Price/SqFt: 551.13

Property Information
Apx SqFt(Htd/Cooled): 2132.00
Design: Florida Cottage
Sub-Type: Detached Single Family
Units Above Ground: 0.00
Waterview: Gulf

Listing Information
Immediate Occupancy: Immediate Occupancy

Around this home

Schools

Dune Lakes Elementary School

Public K-5 • Assigned • 4.2mi

10/10

Emerald Coast Middle School

Public 6-8 • Assigned • 3.0mi

9/10

South Walton High School

Public 9-12 • Assigned • 4.8mi

7/10

Provided by GreatSchools

Lifestyle

Provided by Walk Score and Local Logic

Climate risks

1/10 Flood Factor

Minimal risk of a flood reaching the building in the next 30 years

4/10 Fire Factor

0.93% chance of being in a wildfire in next 30 years

10/10 Heat Factor

7 days above 105° expected this year, 24 days in 30 years

10/10 Wind Factor

99% chance of strong winds in next 30 years

2/10 Air Factor

1 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)

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Sun exposure

In this area, properties receive around 9.5 hours in June and 5.5 hours in December, placing it above the U.S. average for solar exposure.

9.5 hrs

5.5 hrs

JuneDecember

Provided by Shadowmap

Estimated sale price

$3.64M – $4.41M

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Home values near 20 Ruskin St

Data from public records.

Address	Redfin Estimate
14 West Ruskin Street, Santa Rosa Beach, FL 4 Beds \| 3.5 Baths \| 2832 Sq. Ft.	$3,163,218
30 West Ruskin Street, Santa Rosa Beach, FL 2 Beds \| 2.5 Baths \| 1791 Sq. Ft.	$2,761,580

Address	Redfin Estimate
47 West Ruskin Street, Santa Rosa Beach, FL 3 Beds \| 3 Baths \| 1694 Sq. Ft.	$2,443,046
15 West Ruskin Street, Santa Rosa Beach, FL 4 Beds \| 4 Baths \| 2774 Sq. Ft.	$3,599,408

Address	Redfin Estimate
38 West Ruskin Street, Santa Rosa Beach, FL 3 Beds \| 4 Baths \| 1770 Sq. Ft.	$2,606,451
31 West Ruskin Street, Santa Rosa Beach, FL 3 Beds \| 2 Baths \| 1706 Sq. Ft.	$2,868,990

Property information provided by ECAR when last listed in 2010. This data may not match . Learn more.

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