$489,000
NEW CONSTRUCTION

191 Water Oaks Loop Santa Rosa Beach, FL 32459

Estimated payment $2,830/month

Total Views 744
3 Beds
2.5 Baths
1,417 Sq Ft
$345 Price per Sq Ft

Highlights

  • New Construction
  • Florida Architecture
  • Central Heating and Cooling System
  • Van R. Butler Elementary School Rated A-
  • Covered Patio or Porch
  • High Speed Internet

About This Home

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, while the split layout provides separation from the additional bedrooms. Situated 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. Located just off Mussett Bayou with convenient access to Hwy 98, 30A, dining, and shopping and best of all the emerald coast beaches.

Listing Agent

Crystal Ball

Anchor Realty Florida License #SL3437083 Listed on: 04/03/2026

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $3,061

Year Built

  • Built in 2021 | New Construction

Lot Details

  • 4,225 Sq Ft Lot
  • Lot Dimensions are 50x85
  • Zoning described as County, Resid Single Family

Parking

  • No Garage

Home Design

  • Florida Architecture
  • Shingle Roof
  • HardiePlank Type

Kitchen

  • Convection Oven
  • Electric Oven
  • Electric Cooktop
  • Ice Maker

Bedrooms and Bathrooms

  • 3 Bedrooms

Outdoor Features

  • Covered Patio or Porch

Schools

  • Van R Butler Elementary School
  • Emerald Coast Middle School
  • South Walton High School

Utilities

  • Central Heating and Cooling System
  • High Speed Internet

Community Details

  • Property has a Home Owners Association

Home Details

Home Type

Single Family

Est. Annual Taxes

$3,061

Year Built

Built in 2021 | New Construction

Lot Details

4,225 Sq Ft Lot

Listing Details

  • Property Type: Residential
  • Year Built: 2021
  • Property Sub Type: Single Family Residence
  • Lot Size Acres: 0.1
  • Lot Size: 50x85
  • Subdivision Name: No Named Subdivision
  • Architectural Style: Florida
  • New Construction: Yes
  • Property Sub Type Additional: Single Family Residence
  • Special Features: NewHome

Interior Features

  • Appliances: Convection Oven, Electric Cooktop, Electric Oven, Electric Range, Ice Maker
  • Full Bathrooms: 2
  • Half Bathrooms: 1
  • Total Bedrooms: 3
  • Flooring: Luxury Vinyl Plank
  • Dining Room Type: Bedroom, Kitchen, Primary Bathroom

Exterior Features

  • Waterfront: No
  • Construction Type: HardiPlank Type
  • Patio And Porch Features: Covered, Patio, Porch
  • Roof: Shingle

Garage/Parking

  • Parking Features: No Garage
  • Garage: No
  • Attached Garage: No

Utilities

  • Utilities: Cable Connected, High Speed Internet Available
  • Cooling: Central Air
  • Heating: Central
  • Cooling Y N: Yes
  • Heating Yn: Yes
  • Sewer: Public Sewer, Sewer Tap Paid

Condo/Co-op/Association

  • Senior Community: No
  • Association: Yes

Schools

  • Middle Or Junior School: Emerald Coast

Lot Info

  • Lot Features: Sprinkler System, Paved
  • Land Lease: No
  • Lot Size Sq Ft: 4225.0
  • Mobile Dim Units: Feet
  • Zoning Description: County, Resid Single Family

Multi Family

  • Number Of Units Furnished: None

Tax Info

  • Tax Annual Amount: 3061.0
  • Tax Year: 2025

MLS Schools

  • Elementary School: Van R Butler
  • High School: South Walton

Map

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Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $3,061 $338,730 $23,029 $315,701
2024 $3,044 $338,730 $23,029 $315,701
2023 $3,044 $331,715 $0 $0
2022 $2,798 $302,410 $25,563 $276,847
2021 $216 $22,358 $22,358 $0
2020 $204 $20,455 $20,455 $0
2019 $195 $19,668 $19,668 $0
2018 $189 $18,912 $0 $0
2017 $182 $18,361 $18,361 $0
2016 $169 $17,655 $0 $0
2015 $158 $16,500 $0 $0
2014 $137 $13,252 $0 $0
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft
04/03/2026 04/03/26 For Sale $489,000 -- $345 / Sq Ft
Source: Central Panhandle Association of REALTORS®

Purchase History

Date Type Sale Price Title Company
Special Warranty Deed $140,000 Attorney
Quit Claim Deed -- None Available
Warranty Deed $346,200 None Available
Source: Public Records

Source: Central Panhandle Association of REALTORS®

MLS Number: 787865

Central Panhandle Association of REALTORS®

APN: 28-2S-20-33440-000-0400

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