$4,300,000
SOLD MAY 12, 2026

20 E Water St Rosemary Beach, FL 32461

4 Beds
4.5 Baths
2,741 Sq Ft
4,792 Sq Ft Lot Lot

Sale Details

Date Sold: May 12, 2026

$1,569 Per Sq Ft

4% Below List Price

16 on Market

Highlights

  • Beach
  • Deeded access to the beach
  • Heated In Ground Pool
  • Dune Lakes Elementary School Rated A-
  • Fitness Center
  • Primary Bedroom Suite

About This Home

As of May 2026

Originally envisioned in 2002 by renowned local architect Corey McWhorter, this residence is rooted in a timeless Bauhaus aesthetic--where clean lines, natural light, and purposeful design take center stage. A comprehensive 2023 transformation elevated the home into a refined coastal retreat, thoughtfully expanding its livability while preserving the integrity of its original architecture. The main residence now offers three distinct primary suites, including a newly introduced ensuite with a private balcony--creating a serene, elevated escape. Each space has been carefully reworked to enhance flow, privacy, and connection, resulting in a layout that feels both intentional and effortlessly livable. A newly added carriage house complements the property, offering flexibility for guests or extended stays while maintaining a cohesive architectural presence. Outdoors, the home transitions into a fully curated oasis designed for both relaxation and gathering. A saltwater pool serves as the centerpiece, while a custom plaster fire feature with a sculptural curved bench creates a striking focal point--inviting evenings of connection in a setting that feels both intimate and elevated. The seamless integration of indoor and outdoor living blurs the lines between structure and surroundings, enhancing the home's sense of calm and retreat. Every element--from the architectural lines to the restrained, intentional palette--has been selected to evoke a feeling of quiet luxury and restoration. A rare offering where design, function, and atmosphere come together to create a truly elevated living experience.

Last Agent to Sell the Property

Mike McGrath

Rosemary Beach Realty LLC License #3509938 Listed on: 03/27/2026

Last Buyer's Agent

Laurel Corbin

Watersound Real Estate License #3517218

Watersound Real Estate

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $25,208

Year Built

  • Built in 2002

Lot Details

  • 4,792 Sq Ft Lot
  • Property fronts a private road
  • Property is Fully Fenced
  • Sprinkler System

Parking

  • 2 Car Attached Garage
  • 2 Attached Carport Spaces

Home Design

  • Contemporary Architecture
  • Slab Foundation
  • Metal Roof
  • Block Exterior
  • Wood Trim
  • Stucco

Interior Spaces

  • 2,741 Sq Ft Home
  • 2-Story Property
  • Furnished
  • Ceiling Fan
  • Window Treatments
  • Insulated Doors
  • Living Room

Kitchen

  • Double Oven
  • Gas Oven or Range
  • Cooktop with Range Hood
  • Microwave
  • Ice Maker
  • Dishwasher

Flooring

  • Wood
  • Tile

Bedrooms and Bathrooms

  • 4 Bedrooms
  • Primary Bedroom Suite
  • Dual Vanity Sinks in Primary Bathroom
  • Shower Only in Primary Bathroom

Laundry

  • Dryer
  • Washer

Eco-Friendly Details

  • Energy-Efficient Doors

Pool

  • Heated In Ground Pool
  • Outdoor Shower

Outdoor Features

  • Deeded access to the beach
  • Balcony
  • Covered Patio or Porch

Schools

  • Dune Lakes Elementary School
  • Emerald Coast Middle School
  • South Walton High School

Utilities

  • High Efficiency Air Conditioning
  • Air Source Heat Pump
  • Tankless Water Heater
  • Cable TV Available

Listing and Financial Details

  • Short Term Rentals Allowed
  • Assessor Parcel Number 35-3S-18-16064-036-0010

Community Details

Overview

  • Property has a Home Owners Association
  • Association fees include accounting, ground keeping, internet service, land recreation, management, recreational faclty, security, cable TV
  • Rosemary Beach Subdivision

Amenities

  • Community Pavilion
  • Meeting Room

Recreation

  • Beach
  • Tennis Courts
  • Community Playground
  • Fitness Center
  • Exercise Course
  • Community Pool

Home Details

Home Type

Single Family

Est. Annual Taxes

$25,208

Year Built

Built in 2002

Lot Details

4,792 Sq Ft Lot

Parking

2

Listing Details

  • Property Sub Type: Detached Single Family
  • Prop. Type: Residential
  • Lot Size Acres: 0.11
  • Lot Size: X
  • Road Frontage Type: Private Road
  • Subdivision Name: ROSEMARY BEACH
  • Directions: From the town center of Rosemary Beach, head north on Georgetown Ave and turn right onto E Water St. The home is on the right.
  • Architectural Style: Contemporary
  • Carport Y N: Yes
  • New Construction: No
  • Efficiency: Doors
  • Building Stories: 2
  • Year Built: 2002
  • Utilities Electric: Yes
  • Utilities:Public Sewer: Yes
  • Utilities:Public Water: Yes
  • Appliances Dryer: Yes
  • Rooms:Living Room: Yes
  • Appliances Microwave: Yes
  • Washers: Yes
  • Energy:AC - High Efficiency: Yes
  • Energy:Ceiling Fans: Yes
  • Energy:Heat Pump Air To Air: Yes
  • Energy:Insulated Doors: Yes
  • Energy:Water Heater - Tnkls: Yes
  • Utilities:Gas - Natural: Yes
  • Special Features: None
  • Stories: 2

Interior Features

  • Furnished: Furnished - All
  • Appliances: Cooktop, Dishwasher, Dryer, Microwave, Oven Double, Range Hood, Refrigerator W/IceMk, Stove/Oven Gas, Washer, Water Heater - Tnkls
  • Full Bathrooms: 4
  • Half Bathrooms: 1
  • Total Bedrooms: 4
  • Flooring: Floor Hardwood, Floor Tile
  • Window Features: Window Treatment All
  • Appliances:Cooktop: Yes
  • Appliances Dishwasher: Yes
  • Mstr BdrmMstr Bath:MBath Garden Tub: Yes
  • Mstr BdrmMstr Bath:MBath Separate Shwr: Yes
  • Interior:Floor Hardwood: Yes
  • Interior:Floor Tile: Yes
  • Appliances:Refrigerator WIceMk: Yes
  • Appliances:Range Hood: Yes
  • Mstr BdrmMstr Bath:MBath Double Vanity: Yes
  • Interior:Furnished - All: Yes
  • Appliances:StoveOven Gas: Yes
  • Interior:Window Treatment All: Yes
  • Appliances:Oven Double: Yes

Exterior Features

  • Fencing: Fenced Lot-All
  • Lot Features: Survey Available, Within 1/2 Mile to Water
  • Pool Features: Pool - Heated, Pool - In-Ground
  • Construction Type: Block, Stucco, Trim Wood
  • Exterior Features: Balcony, Shower, Sprinkler System
  • Foundation Details: Slab
  • Patio And Porch Features: Patio Covered
  • Property Condition: Construction Complete
  • Lot Features:Within 12 Mile to Water: Yes
  • Construction Status:Construction Complete: Yes
  • ConstructionSiding:Slab: Yes
  • Lot Features:Survey Available: Yes
  • ConstructionSiding:Block: Yes
  • ConstructionSiding:Roof Metal: Yes
  • ConstructionSiding:Stucco: Yes
  • Exterior:Balcony: Yes
  • Exterior:Patio Covered: Yes
  • Exterior:Pool - Heated: Yes
  • Exterior:Shower: Yes
  • Exterior:Sprinkler System: Yes
  • Exterior:Pool - In-Ground: Yes
  • ConstructionSiding:Trim Wood: Yes
  • Exterior:Fenced Lot-All: Yes

Garage/Parking

  • Attached Garage: Yes
  • Carport Spaces: 2.0
  • Garage Spaces: 2.0
  • Parking Features: Carport Attached
  • General Property Info:Garage2: Yes
  • Parking Features:Garage Attached: Yes
  • Parking Features:Carport Attached: Yes

Utilities

  • Cooling: Ceiling Fans
  • Cooling Y N: Yes
  • Heating: Heat Pump Air To Air
  • Heating Yn: Yes
  • Sewer: Public Sewer
  • Utilities: Electric, Gas - Natural, Public Water, TV Cable
  • Utility: Yes

Condo/Co-op/Association

  • Community Features: Short Term Rental - Allowed, Beach, Community Room, Deed Access, Exercise Room, Pavillion/Gazebo, Playground, Pool, Tennis, TV Cable, Waterfront
  • Association: Yes

Fee Information

  • Association Fee Includes: Accounting, Ground Keeping, Internet Service, Land Recreation, Management, Recreational Faclty, Security, Cable TV

Schools

  • Elementary School: Dune Lakes
  • High School: South Walton
  • Middle Or Junior School: Emerald Coast

Lot Info

  • Lot Size Sq Ft: 4791.6
  • Parcel #: 35-3S-18-16064-036-0010
  • Zoning: Resid Single Family

Tax Info

  • Tax Annual Amount: 25207.55
  • Tax Year: 2025

Ownership History

Date Name Owned For Owner Type

Purchase Details

Closed on
Jun 11, 2021
Sold by
Rossinver Llc
Bought by
Oconnor Jonathan and Oconnor Susan

Purchase Details

Closed on
Mar 10, 2020
Sold by
Cobalt Beach Llc
Bought by
Rossinver Llc

Purchase Details

Closed on
May 31, 2017
Sold by
Renz John T and Renz Katey
Bought by
Cobalt Beach Llc

Purchase Details

Closed on
May 28, 2010
Sold by
Flippo Keith A
Bought by
Renz John T and Renz Katey

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$417,000
Interest Rate
5.03%
Mortgage Type
New Conventional

Purchase Details

Closed on
Mar 8, 2006
Sold by
Flippo Keith A and Ganeaux Kenneth G
Bought by
Flippo Keith A and Ganeaux Kenneth G
Source: Public Records

Range of Values:

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Value Increase
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Percent Increase
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Adjusted for Inflation
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List Price
Sold Price
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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Purchase History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Type Sale Price Title Company
Warranty Deed -- Accommodation
Warranty Deed $1,575,000 None Available
Warranty Deed $1,400,000 None Available
Warranty Deed $800,000 Blue Title Llc
Gift Deed -- Attorney
Source: Public Records

Mortgage History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Status Loan Amount Loan Type
Previous Owner $417,000 New Conventional
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft
05/12/2026 05/12/26 Sold $4,300,000 -4.3% $1,569 / Sq Ft
04/12/2026 04/12/26 Pending -- -- --
03/27/2026 03/27/26 For Sale $4,495,000 -- $1,640 / Sq Ft
Source: Emerald Coast Association of REALTORS®

Agents Affiliated with this Home

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Map

Source: Emerald Coast Association of REALTORS®

MLS Number: 999133

Emerald Coast Association of REALTORS®

APN: 35-3S-18-16064-036-0010

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