Recently Viewed Properties
See This Home
Save This Listing
Close

View All Photos

$3,595,000

  • For Sale
  • Active
  • Single Family
  • 4 Beds
  • 3 Full Baths
  • 2 Partial Baths
  • 2,344 Sq. Ft.
  • Updated 21 hours ago
See This Home
Save This Home
See This Home
Save This Home
A classic and charming coastal home located in the heart of Rosemary Beach. This exquisite and pristine residence with garage and carriage house was designed by architect Frank Greene. As you enter the home from the front porch you are welcomed into an inviting open living, dining and kitchen area, with an abundance of light and exposed beams. A gas fireplace in the dining area creates a warm, cozy feeling. Large kitchen marble island and designer lighting are just some of the amazing elements of this space. As you approach the second floor, you will notice the incredible custom washed pecky cypress wood wall, and the beautiful red stained glass windows that were rescued from an old home in Louisiana. This floor hosts the master bedroom with private en-suite bath, along with the two additional guest bedrooms. The peaceful and private courtyard encompasses a lounge area, summer kitchen, wood burning fireplace and water fountain features. This is one of the most charming courtyards in Rosemary. The outdoor space includes access to the carriage house located above the garage. The carriage house offers an open living, dining and kitchen space with 2nd story private bedroom and bath. This delightful space also has 2 small built-in beds in the living area that can be closed off for privacy. This immaculate residence has been lovingly and meticulously cared for with notable attention to detail. Rosemary Beach embraces the principles of traditional town planning with a pedestrian friendly design. Allow us to say welcome home... you'll be happy to be here!

Full Property Details for 190 E Water St

General

  • Price: $3,595,000
  • Taxes: $18,999 (2025)
  • Status: Active
  • Type: Single Family
  • Source: Emerald_Coast
  • MLS ID: 995450
  • Updated: 4/13/2026
  • Added to Site: 41 day(s) ago

Rental Information

  • Complex Features: Beach, Community Room, Deed Access, Exercise Room, Fishing, Pavillion/Gazebo, Pets Allowed, Picnic Area, Playground, Pool, Tennis, TV Cable, Waterfront

Interior

  • Number of Rooms: 16
  • Interior Features: Built-In Bookcases, Ceiling Beamed, Ceiling Crwn Molding, Ceiling Vaulted, Guest Quarters, Kitchen Island, Lighting Recessed, Shelving, Washer/Dryer Hookup
  • Fireplace: Yes
  • Fireplace(s): Fireplace Gas, Fireplace
  • Appliances: Cooktop, Dishwasher, Disposal, Dryer, Microwave, Range Hood, Refrigerator W/IceMk, Stove/Oven Gas, Washer, Water Heater - Elect
  • Furnishings: Furnished - Some
  • Flooring: Floor Hardwood, Floor Laminate, Floor Tile

Rooms

Bathrooms

  • Total Bathrooms: 5
  • Full Bathrooms: 3
  • Half Bathrooms: 2

Bedrooms

  • Total Bedrooms: 4

Additional Information

  • Pool: Yes
  • Pool Description: Pool Type

Exterior

  • Exterior Features: Balcony, Columns, Shower, Summer Kitchen
  • Porch/Patio/Deck: Patio Covered, Patio Open, Porch

Parking

  • Garage: Yes
  • Garage Spaces: 1
  • Parking Features: Garage, Carport, Guest

Location

  • Area: 18 - 30A East
  • County: Walton
  • Subdivision: ROSEMARY BEACH
  • Driving Directions: From Highway 30A, turn North onto E. Water Street. House is on left side of street about 2 blocks down.

School Information

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

Community

  • Association: Yes
  • Assoc. Fees Include: Accounting, Ground Keeping, Internet Service, Land Recreation, Management, Master Association, Security, Cable TV

Heating & Cooling

  • Central air: Yes
  • Air Conditioning: Yes
  • Cooling Type: Ceiling Fans, Central Air
  • Heating Type: Central
  • Heating/Cooling: Central, Ceiling Fans, Central Air

Utilities

  • Sewer: Public Sewer
  • Utility Description: Electric, Gas - Natural, Public Water, TV Cable, Underground

Structural Information

  • Architectural Style: Beach House
  • Construction: Concrete, Block, Stucco, Trim Wood
  • Exterior Const.: Concrete, Block, Stucco, Trim Wood
  • Stories/Levels: 2
  • Square Feet: 2,344
  • Sq. Ft. Source: County PA Records
  • Year Built: 2000

Additional Structures

  • Other Structures: Guest Quarters

Lot Features

  • Lot Size (Acres): 0.06
  • Lot Size (Sq. Ft.): 2,613.6
  • Lot Dimensions: 32 x 78
  • Frontage: Private Road
  • Street/Road Desc.: Paved
  • Lot Features: Restrictions, Within 1/2 Mile to Water
  • Zoning: Resid Single Family
  • Fencing (Description): Fenced Lot-Part

Financial Considerations

  • Assessment Amount: $1,592
  • Tax Amount: $18,999.24
  • Tax Year: 2025

Disclosures and Reports

  • Legal Description: LOT 2 BLK 32 ROSEMARY BEACH PH 6 S/D PB 13-30 OR 1865-195 OR 3152-4075
  • APN: 35-3S-18-16064-032-0020
  • Property ID: 35-3S-18-16064-032-0020

Listed by Rosemary Beach Realty LLC

Quickly Find Out More

* Indicates a required field

Yes, I would like more information. Please use and/or share my information with a Coldwell Banker ® affiliated agent to contact me about my real estate needs. By clicking Send Message, I request to be contacted by phone or text message and consent to being contacted by automated means. I understand that my consent to receive calls or texts is not a condition of purchasing any property, goods, or services. Alternatively, I understand that I can access real estate services by email or I can contact the agent myself.

If an Coldwell Banker affiliated agent is not available in the area where I need assistance, I agree to be contacted by a real estate agent affiliated with another brand owned or licensed by Anywhere Real Estate (BHGRE®, CENTURY 21®, Corcoran®, ERA®, or Sotheby’s International Realty®). I acknowledge that I have read and agree to the Terms of Use and Privacy Notice.

We Value Your Privacy

Listing agent

— 190 E Water St —

  • Rosemary Beach Realty LLC

Get Pre-Approved Today

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Schools serving 190 E Water St

School District:Walton County School District
NameGradesDistance
Bay Elementary School
6565 US Highway 98 East, Santa Rosa Beach, FL 32459
K-55.8 mi
Emerald Coast Middle School
4019 US Highway 98 East, Santa Rosa Beach, FL 32459
6-88 mi
South Walton High School
645 Greenway Trail, Santa Rosa Beach, FL 32459
9-1212.2 mi
Disclaimer: School attendance boundaries provided by ATTOM Data Solutions and are for reference only. Contact the school directly to verify enrollment eligibility.

Price & Sales History for 190 E Water St Get Price Alerts and Save Property

Date
Details
Price
Change
Source
2/16/2026
Listed
$3,595,000
86.27%
MLS
7/30/2020
Sold
$1,930,000
—
Public Record
Get Price Alerts and Save Property
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

Tax History for 190 E Water St

Year
Property Taxes
Change
Tax Assessment
Change
2024
$18,881
—
$2,257,405
-5%
2024
$18,881
6%
$2,384,690
2%
2023
$17,806
37%
$2,341,491
74%
2021
$12,989
-18%
$1,341,856
-31%
2022
$15,795
22%
$1,958,472
54%
2021
$12,989
90%
$1,269,966
75%
2019
$6,827
2%
$724,830
2%
2018
$6,721
-4%
$711,315
-4%
2017
$6,976
1%
$741,026
2%
2016
$6,892
-1%
$725,785
1%
2015
$6,952
-1%
$720,740
1%
2014
$6,993
1%
$715,020
2%
2013
$6,930
—
$704,453
—
View All
Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

Estimate the Cost for 190 E Water St

$
Down Payment
%
$
%

$
$

*These costs are estimates, and the interest rates assume exceptional credit standing.

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Listed by Rosemary Beach Realty LLC

Similar Properties near 190 E Water St

This is a carousel with tiles that activate property listing cards. Use the previous and next buttons to navigate.

167 Downing St, Panama City Beach, FL 32413 - Photo 1
$3,595,000

167 Downing St  Panama City Beach, FL 32413

  • Single Family
  • Active
  • 4
    Beds
  • 5
    Total Baths
101 Carillon Ave, Panama City Beach, FL 32413 - Photo 1
$3,590,000

101 Carillon Ave  Panama City Beach, FL 32413

  • Single Family
  • Active
  • Updated 21 hours ago
  • 5
    Beds
  • 6
    Total Baths
  • 4,101
    Sq. Ft.
13211 Oleander Dr, Panama City Beach, FL 32407 - Photo 1
$3,500,000

13211 Oleander Dr  Panama City Beach, FL 32407

  • Single Family
  • Active
  • 4
    Beds
  • 4
    Total Baths
21 Hamilton Ln, Rosemary Beach, FL 32461 - Photo 1
$3,195,000

21 Hamilton Ln  Rosemary Beach, FL 32461

  • Single Family
  • Active
  • Updated 21 hours ago
  • 4
    Beds
  • 4
    Total Baths
  • 2,169
    Sq. Ft.

Just Listed near 190 E Water St

This is a carousel with tiles that activate property listing cards. Use the previous and next buttons to navigate.

5623 Hilltop Ave, Panama City Beach, FL 32408 - Photo 1 Just Listed
$600,000

5623 Hilltop Ave  Panama City Beach, FL 32408

  • Single Family
  • Active
  • Updated 1 day ago
  • 4
    Beds
  • 3
    Total Baths
Listed by Eva Mullins (850) 527-3269
520 N Richard Jackson Blvd, Panama City Beach, FL 32407 - Photo 1 Just Listed
$395,000

520 N Richard Jackson Blvd  #1204  Panama City Beach, FL 32407

  • Condo
  • Active
  • Updated 14 hours ago
  • 2
    Beds
  • 2
    Total Baths
Listed by Courtney Pantalena (850) 738-4881
116 Tierra Verde Trail, Panama City Beach, FL 32407 - Photo 1 Just Listed
$625,000

116 Tierra Verde Trail  Panama City Beach, FL 32407

  • Single Family
  • Active
  • Updated 3 days ago
  • 3
    Beds
  • 3
    Total Baths
Listed by Daryle Burkey (850) 896-7755
8694 Conch Shell Ct, Panama City Beach, FL 32413 - Photo 1 Just Listed
$459,000

8694 Conch Shell Ct  Panama City Beach, FL 32413

  • Condo / Townhouse
  • Active
  • Updated 3 days ago
  • 2
    Beds
  • 2
    Total Baths
Listed by Sheryl Lewis (850) 234-6696

Price Reduced near 190 E Water St

This is a carousel with tiles that activate property listing cards. Use the previous and next buttons to navigate.

3926 Diana Ct, Panama City Beach, FL 32408 - Photo 1 Price Reduced
-$24,100 (-2.84%)
$824,900

3926 Diana Ct  Panama City Beach, FL 32408

  • Single Family
  • Active
  • Updated 7 hours ago
  • 5
    Beds
  • 4
    Total Baths
Listed by Frank Trenholm (850) 774-8944 and Sonja Schmitz (850) 630-3296
112 Fairway Blvd, Panama City Beach, FL 32407 - Photo 1 Price Reduced
-$30,100 (-11.58%)
$229,900

112 Fairway Blvd  #202  Panama City Beach, FL 32407

  • Condo
  • Active
  • Updated 3 days ago
  • 2
    Beds
  • 2
    Total Baths
Listed by Alice de La Penha (850) 771-3150
8424 Landshark Blvd, Panama City Beach, FL 32413 - Photo 1 Price Reduced
-$6,000 (-0.97%)
$609,900

8424 Landshark Blvd  Panama City Beach, FL 32413

  • Single Family
  • Active
  • Updated 14 hours ago
  • 3
    Beds
  • 2
    Total Baths
Listed by Alisa Walley (225) 202-2723 and Sheryl Lewis (850) 234-6696
17670 Front Beach Rd, Panama City Beach, FL 32413 - Photo 1 Price Reduced
-$5,100 (-1.44%)
$349,900

17670 Front Beach Rd  #UNIT K7  Panama City Beach, FL 32413

  • Condo
  • Active
  • Updated 21 hours ago
  • 2
    Beds
  • 2
    Total Baths
  • 864
    Sq. Ft.
Listed by Michael Tomlin (850) 499-2432

Recent Sales near 190 E Water St

This is a carousel with tiles that activate property listing cards. Use the previous and next buttons to navigate.

36 Town Hall Rd, Rosemary Beach, FL 32461 - Photo 1 Sold
$3,400,000

36 Town Hall Rd  Rosemary Beach, FL 32461

  • Single Family
  • Closed
  • Updated 19 hours ago
  • 3
    Beds
  • 3
    Total Baths
  • 2,056
    Sq. Ft.
45 Sugar Loaf Alley, Alys Beach, FL 32461 - Photo 1 Sold
$4,125,000

45 Sugar Loaf Alley  Alys Beach, FL 32461

  • Single Family
  • Closed
  • Updated 19 minutes ago
  • 4
    Beds
  • 4
    Total Baths
  • 2,549
    Sq. Ft.
27 Admiralty Row, Alys Beach, FL 32461 - Photo 1 Sold
$3,250,000

27 Admiralty Row  #302  Alys Beach, FL 32461

  • Condo
  • Closed
  • Updated 19 hours ago
  • 2
    Beds
  • 2
    Total Baths
  • 1,690
    Sq. Ft.
56 Pelican Glide Ln, Seacrest, FL 32461 - Photo 1 Sold
$4,075,000

56 Pelican Glide Ln  Seacrest, FL 32461

  • Single Family
  • Closed
  • Updated 19 minutes ago
  • 8
    Beds
  • 8
    Total Baths
  • 5,631
    Sq. Ft.

190 E Water Street, Rosemary Beach, FL 32461 (MLS# 995450) is a Single Family property with 4 bedrooms, 3 full bathrooms and 2 partial bathrooms. 190 E Water Street is currently listed for $3,595,000 and was received on March 04, 2026. Want to learn more about 190 E Water Street? Do you have questions about finding other Single Family real estate for sale in Rosemary Beach? You can browse all Rosemary Beach real estate or contact a Coldwell Banker agent to request more information.

Tour this property