Recently Viewed Properties
See This Home
Save This Listing
Close

View All Photos

$489,000

  • For Sale
  • Active
  • Single Family
  • 3 Beds
  • 2 Full Baths
  • 1 Partial Bath
  • 1,417 Sq. Ft.
See This Home
Save This Home
See This Home
Save 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. 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: 54 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

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

— 191 Water Oaks Loop —

  • Anchor Realty Florida

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 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.

Estimate the Cost for 191 Water Oaks Loop

$
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 Anchor Realty Florida

Similar Properties near 191 Water Oaks Loop

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

193 Christian Dr, Santa Rosa Beach, FL 32459 - Photo 1
$480,000

193 Christian Dr  Santa Rosa Beach, FL 32459

  • Single Family
  • Active
  • 3
    Beds
  • 3
    Total Baths
  • 1,899
    Sq. Ft.
175 Christian Dr, Santa Rosa Beach, FL 32459 - Photo 1
$499,000

175 Christian Dr  Santa Rosa Beach, FL 32459

  • Single Family
  • Active
  • 3
    Beds
  • 3
    Total Baths
  • 2,059
    Sq. Ft.
48 Pine Tree Wy, Santa Rosa Beach, FL 32459 - Photo 1
$499,000

48 Pine Tree Wy  Santa Rosa Beach, FL 32459

  • Single Family
  • Active
  • 3
    Beds
  • 3
    Total Baths
  • 1,615
    Sq. Ft.
1315 Forest Shore Dr, Miramar Beach, FL 32550 - Photo 1 Price Reduced
-$5,100 (-1.03%)
$489,900

1315 Forest Shore Dr  Miramar Beach, FL 32550

  • Single Family
  • Active
  • Updated 3 days ago
  • 3
    Beds
  • 2
    Total Baths
  • 1,673
    Sq. Ft.

Just Listed near 191 Water Oaks Loop

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

1160 Scenic Gulf Dr, Miramar Beach, FL 32550 - Photo 1 Just Listed
$759,000

1160 Scenic Gulf Dr  #A902  Miramar Beach, FL 32550

  • Condo
  • Active
  • Updated 1 day ago
  • 2
    Beds
  • 2
    Total Baths
  • 1,139
    Sq. Ft.
Listed by Liz Nicolucci (334) 399-5052
9700 Grand Sandestin Blvd, Miramar Beach, FL 32550 - Photo 1 Just Listed
$529,000

9700 Grand Sandestin Blvd  #4006/4008  Miramar Beach, FL 32550

  • Condo
  • Active
  • Updated 4 days ago
  • 2
    Beds
  • 3
    Total Baths
  • 1,304
    Sq. Ft.
5190 Beachwalk Dr, Miramar Beach, FL 32550 - Photo 1 Just Listed
$594,000

5190 Beachwalk Dr  #5190  Miramar Beach, FL 32550

  • Townhouse
  • Active
  • Updated 4 days ago
  • 2
    Beds
  • 2
    Total Baths
  • 1,026
    Sq. Ft.
75 Sierra Dunes Dr, Miramar Beach, FL 32550 - Photo 1 Just Listed
$950,000

75 Sierra Dunes Dr  Miramar Beach, FL 32550

  • Single Family
  • Active
  • Updated 2 days ago
  • 3
    Beds
  • 3
    Total Baths
  • 1,769
    Sq. Ft.

Price Reduced near 191 Water Oaks Loop

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

63 Holley Grv Ln, Point Washington, FL 32459 - Photo 1 Price Reduced
-$9,756 (-2.17%)
$439,025

63 Holley Grv Ln  Point Washington, FL 32459

  • Single Family
  • Active
  • Updated 3 days ago
  • 3
    Beds
  • 3
    Total Baths
  • 1,744
    Sq. Ft.
254 Eden Dr, Point Washington, FL 32459 - Photo 1 Price Reduced
-$10 (0%)
$2,623,890

254 Eden Dr  Point Washington, FL 32459

  • Single Family
  • Active
  • Updated 1 day ago
  • 5
    Beds
  • 6
    Total Baths
  • 5,299
    Sq. Ft.
20 St Francis Dr, Miramar Beach, FL 32550 - Photo 1 Price Reduced
-$100,000 (-4%)
$2,399,000

20 St Francis Dr  Miramar Beach, FL 32550

  • Single Family
  • Active
  • Updated 4 days ago
  • 5
    Beds
  • 5
    Total Baths
  • 3,489
    Sq. Ft.
Co-Listed by Kendra Sheikho (315) 405-6744
291 Scenic Gulf Dr, Miramar Beach, FL 32550 - Photo 1 Price Reduced
-$11,000 (-1.16%)
$939,000

291 Scenic Gulf Dr  #UNIT 506  Miramar Beach, FL 32550

  • Condo
  • Active
  • Updated 1 day ago
  • 2
    Beds
  • 2
    Total Baths
  • 1,385
    Sq. Ft.

Recent Sales near 191 Water Oaks Loop

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

76 Bayou Edge Landing, Santa Rosa Beach, FL 32459 - Photo 1 Sold
$500,000

76 Bayou Edge Landing  Santa Rosa Beach, FL 32459

  • Single Family
  • Closed
  • 3
    Beds
  • 4
    Total Baths
  • 2,270
    Sq. Ft.
Lot 14 Woodland Bayou Dr, Santa Rosa Beach, FL 32459 - Photo 1 Sold
$550,000

Lot 14 Woodland Bayou Dr  Santa Rosa Beach, FL 32459

  • Residential Lots
  • Closed
  • 1.28
    Acres
137 Flamingo Dr, Santa Rosa Beach, FL 32459 - Photo 1 Sold
$479,000

137 Flamingo Dr  Santa Rosa Beach, FL 32459

  • Single Family
  • Closed
  • 3
    Beds
  • 2
    Total Baths
  • 1,540
    Sq. Ft.
122 Shore Bird Dr, Santa Rosa Beach, FL 32459 - Photo 1 Sold
$529,000

122 Shore Bird Dr  #UNIT 821  Santa Rosa Beach, FL 32459

  • Condo
  • Closed
  • Updated 4 days ago
  • 3
    Beds
  • 2
    Total Baths
  • 1,357
    Sq. Ft.

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.

Tour this property