Recently Viewed Properties

No photo available

See This Home
Save This Listing
Close

$4,495,000 Sale Pending

  • For Sale
  • Pending
  • Single Family
  • 4 Beds
  • 4 Full Baths
  • 1 Partial Bath
  • 2,741 Sq. Ft.
  • Updated 21 hours ago

No photo available

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.

Full Property Details for 20 E Water St

General

  • Price: $4,495,000
  • Taxes: $25,207 (2025)
  • Status: Pending
  • Type: Single Family
  • Source: Emerald_Coast
  • MLS ID: 999133
  • Updated: 4/13/2026
  • Added to Site: 18 day(s) ago

Rental Information

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

Interior

  • Number of Rooms: 6
  • Appliances: Cooktop, Dishwasher, Dryer, Microwave, Oven Double, Range Hood, Refrigerator W/IceMk, Stove/Oven Gas, Washer, Water Heater - Tnkls
  • Furnishings: Furnished - All
  • Flooring: Floor Hardwood, Floor Tile

Rooms

Bathrooms

  • Total Bathrooms: 5
  • Full Bathrooms: 4
  • Half Bathrooms: 1

Bedrooms

  • Total Bedrooms: 4

Additional Information

  • Pool: Yes
  • Pool Description: Pool - Heated, Pool - In-Ground

Exterior

  • Exterior Features: Balcony, Shower, Sprinkler System
  • Porch/Patio/Deck: Patio Covered

Parking

  • Garage: Yes
  • Attached garage: Yes
  • Garage Spaces: 2
  • Carport Spaces: 2
  • Parking Features: Carport Attached

Location

  • Area: 18 - 30A East
  • County: Walton
  • Subdivision: ROSEMARY BEACH
  • Driving 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.

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, Recreational Faclty, Security, Cable TV

Heating & Cooling

  • Air Conditioning: Yes
  • Cooling Type: Ceiling Fans
  • Heating Type: Heat Pump Air To Air
  • Heating/Cooling: Heat Pump Air To Air, Ceiling Fans

Utilities

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

Structural Information

  • Architectural Style: Contemporary
  • Construction: Block, Stucco, Trim Wood
  • Exterior Const.: Block, Stucco, Trim Wood
  • Stories/Levels: 2
  • Square Feet: 2,741
  • Sq. Ft. Source: County PA Records
  • Year Built: 2002

Lot Features

  • Lot Size (Acres): 0.11
  • Lot Size (Sq. Ft.): 4,791.6
  • Lot Dimensions: x
  • Frontage: Private Road
  • Lot Features: Survey Available, Within 1/2 Mile to Water
  • Zoning: Resid Single Family
  • Fencing (Description): Fenced Lot-All

Green Features

  • Energy Efficient: Doors

Financial Considerations

  • Assessment Amount: $1,615
  • Tax Amount: $25,207.55
  • Tax Year: 2025

Disclosures and Reports

  • Legal Description: LOT 1 BLK 36 ROSEMARY BEACH PH 6 PB 13-30 OR 2019-184 OR 2711-2292 OR 2843-967 OR 3043-1049 OR 3136-1000 OR 3203-930
  • APN: 35-3S-18-16064-036-0010
  • Property ID: 35-3S-18-16064-036-0010

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

— 20 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 20 E Water St

School District:Walton County School District
NameGradesDistance
Bay Elementary School
6565 US Highway 98 East, Santa Rosa Beach, FL 32459
K-55.7 mi
Emerald Coast Middle School
4019 US Highway 98 East, Santa Rosa Beach, FL 32459
6-87.9 mi
South Walton High School
645 Greenway Trail, Santa Rosa Beach, FL 32459
9-1212 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 20 E Water St Get Price Alerts and Save Property

Date
Details
Price
Change
Source
3/27/2026
Listed
$4,495,000
555.9%
MLS
6/11/2021
Sold
$685,313
—
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 20 E Water St

Year
Property Taxes
Change
Tax Assessment
Change
2024
$27,978
—
$2,789,774
-9%
2024
$27,978
47%
$3,062,977
42%
2023
$19,031
53%
$2,158,244
68%
2021
$12,454
-27%
$1,286,563
-31%
2022
$17,173
38%
$1,853,024
53%
2021
$12,454
8%
$1,214,624
5%
2019
$11,532
2%
$1,161,173
3%
2018
$11,268
5%
$1,130,109
—
2017
$10,701
7%
$1,129,514
6%
2016
$10,007
6%
$1,061,762
7%
2015
$9,398
11%
$992,947
15%
2014
$8,475
16%
$866,447
24%
2013
$7,276
—
$701,399
—
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 20 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 20 E Water St

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

29 W Yacht Pond Ln, Watersound, FL 32461 - Photo 1
$4,397,000

29 W Yacht Pond Ln  Watersound, FL 32461

  • Single Family
  • Active
  • Updated 21 hours ago
  • 5
    Beds
  • 6
    Total Baths
  • 4,148
    Sq. Ft.
59 W Water St, Rosemary Beach, FL 32461 - Photo 1
$3,625,000

59 W Water St  Rosemary Beach, FL 32461

  • Single Family
  • Active
  • Updated 21 hours ago
  • 4
    Beds
  • 3
    Total Baths
  • 2,907
    Sq. Ft.
63 Johnstown Ln, Rosemary Beach, FL 32461 - Photo 1
$4,599,000

63 Johnstown Ln  Rosemary Beach, FL 32461

  • Single Family
  • Active
  • Updated 21 hours ago
  • 5
    Beds
  • 6
    Total Baths
  • 3,481
    Sq. Ft.
132 E Kingston Rd, Rosemary Beach, FL 32461 - Photo 1
$4,185,000

132 E Kingston Rd  Rosemary Beach, FL 32461

  • Single Family
  • Active
  • Updated 21 hours ago
  • 5
    Beds
  • 6
    Total Baths
  • 3,042
    Sq. Ft.

Just Listed near 20 E Water St

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

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
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
8456 Dreams Float Ct, Panama City Beach, FL 32413 - Photo 1 Just Listed
$446,000

8456 Dreams Float Ct  Panama City Beach, FL 32413

  • Condo / Townhouse
  • Active
  • Updated 14 hours ago
  • 2
    Beds
  • 2
    Total Baths
Listed by Alisa Walley (225) 202-2723 and Sheryl Lewis (850) 234-6696
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 20 E Water St

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

8402 Elizabeth Ave, Panama City Beach, FL 32408 - Photo 1 Price Reduced
-$15,600 (-2.71%)
$559,900

8402 Elizabeth Ave  Panama City Beach, FL 32408

  • Duplex
  • Active
  • Updated 6 days ago
  • 4
    Beds
  • 4
    Total Baths
Listed by Catriese Johnson (850) 687-7487
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
122 Seaclusion Cir, Panama City Beach, FL 32413 - Photo 1 Price Reduced
-$10,000 (-1.85%)
$529,999
Open House

122 Seaclusion Cir  Panama City Beach, FL 32413

  • Single Family
  • Active
  • Updated 48 minutes ago
  • 3
    Beds
  • 2
    Total Baths
Listed by Eva Mullins (850) 527-3269
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

Recent Sales near 20 E Water St

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

42 Kingston Rd, Rosemary Beach, FL 32461 - Photo 1 Sold
$4,700,000

42 Kingston Rd  Rosemary Beach, FL 32461

  • Single Family
  • Closed
  • Updated 20 minutes ago
  • 9
    Beds
  • 11
    Total Baths
  • 6,300
    Sq. Ft.
122 W Kingston Rd, Rosemary Beach, FL 32461 - Photo 1 Sold
$4,303,000

122 W Kingston Rd  Rosemary Beach, FL 32461

  • Single Family
  • Closed
  • Updated 20 minutes ago
  • 7
    Beds
  • 7
    Total Baths
  • 4,584
    Sq. Ft.
16 S Green Turtle Ln, Rosemary Beach, FL 32461 - Photo 1 Sold
$4,300,000

16 S Green Turtle Ln  Rosemary Beach, FL 32461

  • Single Family
  • Closed
  • Updated 20 minutes ago
  • 4
    Beds
  • 4
    Total Baths
  • 3,072
    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 20 minutes ago
  • 4
    Beds
  • 4
    Total Baths
  • 2,549
    Sq. Ft.

20 E Water Street, Rosemary Beach, FL 32461 (MLS# 999133) is a Single Family property with 4 bedrooms, 4 full bathrooms and 1 partial bathroom. 20 E Water Street is currently listed for $4,495,000 and was received on March 27, 2026. Want to learn more about 20 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