listed Jul 4, 2026Detached Single Family▼ Price cut: $200,000 (9/2)
$1,250,000
2-Bedroom Detached Single Family in EASTERN LAKE
Dalton Unrecorded S/D
106 Williams Street, Santa Rosa Beach, FL 32459
Detached Single Family in EASTERN LAKE
Dalton Unrecorded S/D, Santa Rosa Beach · No CDD on record · Built 2022
EASTERN LAKE
Dalton Unrecorded S/D · Santa Rosa Beach, FL 32459 · Walton County
Listing data updated October 22, 2026 at 6:48 PM ET · checked against the MLS hourly
Listed by Scenic Sotheby's International Realty (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
2Bedrooms
2.5Bathrooms
2022Year Built
No CDD on record
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
Buyer leverage
Strong buyer advantage
110 days on market
1698.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$3k–$6k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
106 Williams Street in EASTERN LAKE
Dalton Unrecorded S/D, Santa Rosa Beach is listed at $1,250,000. That is 58% below EASTERN LAKE
Dalton Unrecorded S/D's median closed sale of $2,962,500 over the last 12 months (90 recorded sales). It has been listed Jul 4, 2026, longer than the community's typical 54 days to contract. Listing facts: built in 2022. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2022 · 4 yrs
listed Jul 4, 2026
Listing description
About this home
Built in 2022 and custom-designed by its owner, this charming coastal cottage captures the relaxed spirit of life south of Scenic Highway 30A. Positioned on a corner lot in the sought-after Eastern Lake neighborhood, beside a protected wooded greenspace that will never be built on, the home offers a peaceful setting just a short stroll from the Gulf of Mexico and the Eastern Lake Neighborhood Beach Access. Designed in the spirit of a classic beach-cottage community, the neighborhood's homes back up to greenspace with rear porches and a pedestrian path that winds gently down to the beach.
Thoughtfully crafted by a commercial builder, the residence pairs exceptional construction with timeless cottage character, creating a turnkey retreat equally suited as a full-time residence, second home or proven investment property. Spanning approximately 1,800 square feet, the two-story home features two bedrooms, 2½ baths and a custom-built bunk nook tucked into the second-floor landing, providing additional sleeping space without sacrificing the home's open feel. Hardwood flooring extends throughout, while abundant windows fill the interiors with natural light.
The inviting main living area flows seamlessly into the dining space and beautifully appointed kitchen, where quartz countertops, a center island with seating, stainless steel appliances, a gas range, woven shades and rattan pendant lighting create an atmosphere that is both stylish and functional. A striking floating wood-and-steel staircase serves as a focal point, adding contemporary character to the home's coastal aesthetic. Multiple covered porches encourage effortless outdoor living, including a private side-entry porch set alongside the wooded greenspace, offering inviting spaces for morning coffee, afternoon breezes or evening gatherings after a day at the beach.
The primary suite provides a peaceful escape with elegant designer wallpaper, a luxurious private bath and its own private balcony overlooking the arched pathway that leads to the beach. The guest suite features two queen beds, a nearby shared bath and its own large roofed balcony overlooking the shaded front yard from the second floor, while the built-in twin bunks provide an ideal retreat for younger guests. The yard is surrounded by mature landscaping and highlighted by a charming garden arbor, creating a private outdoor sanctuary with room to relax, grill and entertain.
With four parking spaces, stacked front and rear porches and a quiet wooded setting, every detail has been thoughtfully considered. Located in the heart of Seagrove Beach, residents enjoy easy access to the beach, scenic biking trails, kayaking and paddleboarding on one of South Walton's treasured coastal dune lakes, as well as fishing, swimming and the renowned shopping and dining destinations along 30A. Combining quality craftsmanship, abundant natural light and an exceptional location just moments from the gulf, this beautifully maintained coastal cottage offers an outstanding opportunity to enjoy the best of life along the Emerald Coast.
All 62 photos
Description provided by Scenic Sotheby's International Realty and reproduced from the MLS; not independently verified.
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$1,250,000
Bed / bath2 / 2.5
Year built2022
Property typeDetached Single Family
MLS #1006911
Listing statuslisted Jul 4, 2026
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Ground elevation~20 ft
CountyWalton
Area listings816 active · 172 under contract
Estimated first-year tax~$11,700/yr
CDD assessmentNone on record
HOANot reported
Calculated estimates
Estimated monthly payment$8,262
Insurance (illustrative)$3k–$6k/yr
Comparable-sales median$2,962,500
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$8,262/mo
Principal & interest $6,924/mo84%
Taxes $975/mo12%
Insurance $363/mo4%
$8,262/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
Estimate: asking price less the $50,000 homestead exemption × Walton County rate (9.76 mills, county-average millage, 2025; verify with the property appraiser). Not a bill.
⚠️
Property taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Current owner’s estimated bill $9,400/yr ($783/mo) — taxable value $963,747 × 9.76 mills
$2,300 more each year
(+24%)
The current owner’s taxable value is below today’s asking price; after a sale the assessment is set from market value, so the estimated bill is higher. Exemptions and portability can reduce it.
$963,747
Market value
$963,747
Assessed
$963,747
Taxable
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Sources: Florida DOR certified tax roll (2025), Emerald Coast AR; millage: Florida TaxWatch 2025 How Florida Counties Compare (county-average millage); school portion estimated at ~42% of total, capped at 6.50 mills. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 106 Williams Street
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
Property tax
The current owner's bill is about $9,400/yr (certified county roll, taxable value × millage). Buy at the asking price of $1,250,000 and the first-year bill resets to about $11,700/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 9.76 mills (county-average millage, estimate)); Save Our Homes caps later increases at 3%/yr.
Home and flood insurance
The average Citizens Property Insurance premium in Walton County is $1,942/yr (433 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $3,000–$6,500/yr; neither is a quote.
Roof and age
Built in 2022. A newer roof and current wind-mitigation features usually mean the lower end of insurance quotes; ask for the wind-mitigation form.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$3k–$6k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
Not reported
Not stated in the listing. Confirm with the listing agent or the county record; $0 is used in the payment estimate.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
~20 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Walton County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Hazard risk
Natural hazard risk
FEMA National Risk Index for Walton County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneRelatively High
Coastal floodingRelatively Moderate
Inland floodingRelatively Low
Heat waveRelatively Low
WildfireRelatively Low
TornadoRelatively Moderate
LightningRelatively High
Strong windRelatively Low
DroughtVery Low
HailVery Low
Cold waveRelatively Low
Winter weatherVery Low
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · Walton County
Pricing & the Walton County market
How this home is priced against recent nearby sales, and where Walton County has been over 25 years. Momentum Research analysis of Emerald Coast MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
Median sale price by year
12-month median closed price, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 47 (normal).
Property timeline
This home’s history
2022BuiltPer public record
About Jul 2026Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (<span class="mw-dom" data-listed="2026-07-04" data-fmt="dom">listed Jul 4, 2026</span>)
Aug 4, 2026First seen on movewithmomentum.comObserved at $1,450,000
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Transparency
Price & listing history
Listed for $1,250,000Momentum Realty · listed Jul 4, 2026
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
No closed sales of a similar home within about 10 miles in Walton County in the last 18 months are in our MLS data set, so this page shows no comparable-sales median or automated estimate for EASTERN LAKE
Dalton Unrecorded S/D. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
Momentum Scores
Momentum Property Score
70/100
Strongest on: Affordability (100), Pricing power (69)
0 limited50100 exceptional
70/100 is strong across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Affordability100
List price $1,250,000 vs the community median $2,962,500. Not a measure of personal affordability.
Market liquidity56
Community median 54 days on market (12-month record).
Pricing power69
Recent sales closed at about 94.2% of original asking (~5.8% below). More room below asking generally favors buyers.
Market timing53
Momentum Market Heat is 47/100 (normal). Cooler readings generally favor buyers; hotter readings favor sellers.
Coverage: 4 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟢 Buyer-leaning conditions around this listing. 1698.0 months of supply in the surrounding market and 110 days on market for this home, against a 54-day area median.Days on market:this home 110Area median: 54 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate. As of September 20, 2026.
35% of homes in Walton County are owner-occupied. An estimated 65% are non-owner-occupied, including 26% held in a company or trust and 42% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 2738 homes matched. Community-level context.
Recent Walton County sales closed near 94.2% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Emerald Coast MLS records, community-level, 12 months ending September 20, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 816 active listings in Walton County, no CDD assessment.
Updated October 22, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Seen enough photos?
Want to see 106 Williams Street?
Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.
Listed by Scenic Sotheby's International Realty · MLS # 1006911
Request a showing
Keep looking
Similar homes for sale near EASTERN LAKE
Dalton Unrecorded S/D
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jul 2026 · Infrastructure
Scenic Walton advances underground utilities and gateway landscape projects
Scenic Walton reported progress on countywide initiatives, including a $200,000 Freeport U.S. 331 gateway landscape project supported by a $100,000 FDOT Highway Beautification Grant, plus a 30A West gateway landscape project and early planning for countywide underground utilities. Funding for the utilities study advanced into Walton County's draft budget for fiscal year 2026 to 2027.
Why it matters: Advances roadway beautification and stormwater improvements along the Freeport U.S. 331 corridor and the 30A west gateway and lays groundwork for utility resilience upgrades across Walton County. The site is about 16 miles northeast of Zz Emeraldcoast Walton Unassigned.
Schools currently assigned to this address in Walton County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
GRADEA
Dune LakesAssigned elementary school · Walton County School District · Grade A (Florida DOE 2025-26)
GRADEA
Emerald CoastAssigned middle school · Walton County School District · Grade A (Florida DOE 2025-26)
GRADEA
South WaltonAssigned high school · Walton County School District · Grade A (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Amenities and HOA/CDD detail on the neighborhood guide.
Before you decide
Buyer research checklist
Items worth confirming for 106 Williams Street, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2022: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
Confirm whether a mandatory HOA applies to this parcel and what it charges.
Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
Get a homeowners insurance quote for this specific address in Walton County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Confirm square footage and room dimensions independently.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $11,700/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $2,300 more per year than the current owner’s estimated bill (+24%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Provenance
Data sources & freshness
Listing record
Emerald Coast MLS, checked against the MLS hourly (last: October 22, 2026)
Comparable sales
Fewer than 3 defensible closed sales within about 10 miles in Walton County — no medians or automated estimate shown
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
Taxes & monthly cost
Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of Emerald Coast MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 106 Williams Street and when was it built?
Per the listing record, 106 Williams Street was built in 2022 and has 2 bedrooms and 2.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 106 Williams Street in?
106 Williams Street is in EASTERN LAKE
Dalton Unrecorded S/D in Santa Rosa Beach, Walton County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
Why might property taxes on 106 Williams Street differ from the current owner's?
The estimate on this page (about $11,700 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $2,300 more per year than the current owner’s estimated bill (+24%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 106 Williams Street in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 106 Williams Street in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
