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$489,000

  • For Sale
  • Active
  • Single Family
  • 3 Beds
  • 2 Full Baths
  • 1 Partial Bath
  • 1,417 Sq. Ft.
  • Updated 1 day ago

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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. The split-bedroom layout provides separation from the additional bedrooms. Located 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. Conveniently located just off Mussett Bayou with easy access to Hwy 98, 30A, dining, shopping, and the emerald coast beaches. All information is deemed reliable but not guaranteed. Buyer to verify all details, including but not limited to measurements, features, zoning, and permitted uses.

Full Property Details for 191 Water Oaks Loop

General

  • Price: $489,000
  • Taxes: $3,060 (2025)
  • Status: Active
  • Type: Single Family
  • Source: Emerald_Coast
  • MLS ID: 999960
  • Updated: 4/13/2026
  • Added to Site: 9 day(s) ago

Interior

  • Number of Rooms: 5
  • Appliances: Cooktop, Dishwasher, Freezer, Microwave, Refrigerator, Smoke Detector, Stove/Oven Electric

Rooms

Bathrooms

  • Total Bathrooms: 3
  • Full Bathrooms: 2
  • Half Bathrooms: 1

Bedrooms

  • Total Bedrooms: 3

Exterior

  • Exterior Features: Columns, Sprinkler System
  • Porch/Patio/Deck: Patio Covered, Patio Open, Porch

Location

  • Area: 16 - North Santa Rosa Beach
  • County: Walton
  • Subdivision: WATER OAKS
  • Driving Directions: Driving West on 98 turn right on Mussett Bayou, left on Water Oaks Loop. Home will be on left.

School Information

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

Community

  • Association: Yes
  • Assoc. Fees Include: Accounting, Management

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: Community Sewer
  • Utility Description: Community Water, Electric, Underground

Structural Information

  • Architectural Style: Florida Cottage
  • Construction: Frame, Siding CmntFbrHrdBrd
  • Exterior Const.: Frame, Siding CmntFbrHrdBrd
  • Stories/Levels: 1
  • Square Feet: 1,417
  • Sq. Ft. Source: County PA Records
  • Year Built: 2021

Lot Features

  • Lot Size (Acres): 0.09
  • Lot Size (Sq. Ft.): 3,920.4
  • Lot Dimensions: 50 x 85
  • Frontage: City Street
  • Street/Road Desc.: Paved
  • Zoning: Resid Single Family

Financial Considerations

  • Assessment Amount: $832
  • Tax Amount: $3,060.66
  • Tax Year: 2025

Disclosures and Reports

  • Legal Description: Lot 4O Water Oaks S/D Pb 17-19 Or 2699-3433 Or 2917-2807 &-2811 Or 2999-2159
  • APN: 28-2S-20-33440-000-0400
  • Property ID: 28-2S-20-33440-000-0400

Listed by Anchor Realty Florida

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Listing agent

— 191 Water Oaks Loop —

  • Anchor Realty Florida

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with our affiliated lender
NMLS#: 1598647

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Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Schools serving 191 Water Oaks Loop

School District:Walton County School District
NameGradesDistance
Van R. Butler Elementary School
6694 West County Highway 30A, Santa Rosa Beach, FL 32459
K-51.2 mi
Emerald Coast Middle School
4019 US Highway 98 East, Santa Rosa Beach, FL 32459
6-88.7 mi
South Walton High School
645 Greenway Trail, Santa Rosa Beach, FL 32459
9-124.5 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 191 Water Oaks Loop Get Price Alerts and Save Property

Date
Details
Price
Change
Source
4/06/2026
Listed
$489,000
249.29%
MLS
1/08/2016
Sold
$140,000
—
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 191 Water Oaks Loop

Year
Property Taxes
Change
Tax Assessment
Change
2025
$3,061
-1%
$338,730
—
2024
$3,094
2%
$338,730
—
2023
$3,044
1309%
$338,730
1415%
2021
$216
-92%
$22,358
-93%
2022
$2,798
1195%
$302,410
1378%
2021
$216
11%
$20,455
4%
2019
$195
3%
$19,668
4%
2018
$189
4%
$18,912
3%
2017
$182
8%
$18,361
4%
2016
$169
7%
$17,655
7%
2015
$158
15%
$16,500
25%
2014
$137
—
$13,252
—
2013
$137
—
$13,252
—
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.

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Listed by Anchor Realty Florida

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191 Water Oaks Loop, Santa Rosa Beach, FL 32459 (MLS# 999960) is a Single Family property with 3 bedrooms, 2 full bathrooms and 1 partial bathroom. 191 Water Oaks Loop is currently listed for $489,000 and was received on April 06, 2026. Want to learn more about 191 Water Oaks Loop? Do you have questions about finding other Single Family real estate for sale in Santa Rosa Beach? You can browse all Santa Rosa Beach real estate or contact a Coldwell Banker agent to request more information.

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