Detached Single Family in Watersound Camp Creek, Inlet Beach · No CDD on record · Built 2026
Watersound Camp Creek · Inlet Beach, FL 32461 · Walton County
Listing data checked against the MLS November 2, 2026 at 5:25 PM ET · rechecked hourly
Listed by Inlet Beach Real Estate (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
5Bedrooms
5.5Bathrooms
2026Year Built
Private poolGarageNo CDD on record5 bedrooms
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
18.5-month supply
18.5 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$9k–$18k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
109 Morning Light Way in Watersound Camp Creek, Inlet Beach is listed at $4,087,000. That is 23% below Watersound Camp Creek's median closed sale of $5,300,000 over the last 12 months (14 recorded sales). It came to market within the past week. Listing facts: built in 2026, a private pool, HOA dues of $100/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2026
Garage
Active listing
HOA $100/mo (per listing)
Listing description
About this home
Experience the pinnacle of luxury coastal living in this exceptional new construction residence, perfectly positioned within the prestigious gated community of WaterSound Camp Creek. Offering five bedrooms, five full baths, and one half bath, this thoughtfully designed home combines timeless architecture with elevated finishes and an effortless indoor-outdoor lifestyle. The heart of the home is an expansive open-concept living space where the chef's kitchen, dining area, and great room come together beneath soaring 16-foot vaulted ceilings.
Dramatic 20-foot sliding glass doors flood the space with natural light and open seamlessly to the oversized covered porch, creating the ultimate setting for entertaining. Complete with a fully equipped outdoor kitchen, private resort-style pool, and generous gathering spaces, the backyard is designed for year-round enjoyment. The first-floor primary suite serves as a private retreat, featuring direct access to the pool through its own sliding glass doors, a spa-inspired bath, an oversized custom walk-in closet, and the added luxury of a dedicated washer and dryer within the primary suite.
Two additional ensuite guest bedrooms are also located on the main level, offering comfort and privacy for family and guests. Upstairs, two spacious ensuite bedrooms accompany an oversized bonus room ideal as a media room, game room, home theater, or second living area. Just beyond, a generous sun deck overlooks the tranquil pond and championship golf course, providing the perfect backdrop for evening sunsets and peaceful mornings.
As an added benefit, ownership includes a coveted full WaterSound Club Membership, providing access to an unparalleled collection of resort amenities, including championship golf courses, tennis and pickleball courts, multiple resort-style pools, fitness centers, dining venues, and exclusive private beach access along the sugar-white sands of the Emerald Coast. This is more than a home--it's an opportunity to experience one of the most sought-after luxury lifestyles along Scenic Highway 30A.
Description provided by Inlet Beach Real Estate and reproduced from the MLS; not independently verified.
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 Watersound Camp Creek. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
Property facts & sources
Every fact, sourced
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$4,087,000
Bed / bath5 / 5.5
Year built2026
Property typeDetached Single Family
GarageYes
PoolYes
MLS #1009468
Listing statusPending
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Ground elevation~39 ft
CountyWalton
Area listings20 active · 4 under contract
Estimated first-year tax~$42,914/yr
CDD assessmentNone on record
HOA$100/mo
Calculated estimates
Estimated monthly payment$27,031
Insurance (illustrative)$9k–$18k/yr
Comparable-sales median$5,300,000
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
$27,031/mo
Principal & interest $22,282/mo82%
Taxes $3,576/mo13%
Insurance $1,073/mo4%
HOA $100/mo0%
$27,031/mo at 20% down, 30-yr @ 7.24% · edit any field to update.
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 $6,324/yr per the MLS listing record (TaxAnnualAmount, 2026-11-02). Florida reassesses at sale, so a buyer's first bill is usually higher than the seller's; the county millage here is not verified, so no reset figure is printed.
HOA dues
$100/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close.
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 $9,000–$18,500/yr; neither is a quote.
Roof and age
Built in 2026. A newer roof and current wind-mitigation features usually mean the lower end of insurance quotes; ask for the wind-mitigation form.
Estimated carrying cost at the asking price, before the mortgage: about $789/month (tax $527, HOA $100, insurance $162). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
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.
Property tax (first-year est.)
~$42,914/yr
Estimate: a typical Walton effective rate applied to the list price before any exemptions. Florida bills change with reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
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)
$9k–$18k/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
$100/mo
Per the MLS listing. Confirm exact dues and what they include with the association.
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
~39 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.
County hazard risk ratings (FEMA National Risk Index, county level)
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.
Internet & broadband — how to check availability for this address
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.
Property timeline
This home’s history
2026BuiltPer public record
Aug 8, 2026First seen on movewithmomentum.comObserved at $4,087,000
NowPendingSale pending
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 $4,087,000Inlet Beach Real Estate
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Momentum Scores
Momentum Property Score
58/100
Strongest on: Affordability (88), Pricing power (64)
0 limited50100 exceptional
58/100 is solid, mid-pack 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.
Affordability88
List price $4,087,000 vs the community median $5,300,000. Not a measure of personal affordability.
Market liquidity22
Community median 82 days on market, ~18.5 months of supply (12-month record).
Pricing power64
Recent sales closed at about 95.2% of original asking (~4.8% below). More room below asking generally favors buyers.
Coverage: 3 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
11% of homes in WATERSOUND CAMP CREEK are owner-occupied. An estimated 89% are non-owner-occupied, including 38% 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), 39 homes matched. Community-level context.
Recent WATERSOUND CAMP CREEK sales closed near 95.2% 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 20 active listings in WATERSOUND CAMP CREEK, no CDD assessment.
Checked against the MLS November 2, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Seen enough photos?
Want to see 109 Morning Light Way?
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 Inlet Beach Real Estate · MLS # 1009468
Request a showing
Keep looking
Similar homes for sale near Watersound Camp Creek
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.
Oct 2026 · Development
DeFuniak Springs tactical training firm plans campus expansion after multimillion-dollar contracts
Stronghold Test & Training Center, on a 50-acre campus at 150 Warfighter Way, plans a new complex with secure vaults, classrooms, offices and a 3D-printing prototyping bay. The company cites a $21 million Navy contract through 2030 and other federal awards; no cost, timeline or job count was given.
Why it matters: Defense-linked contracting growth near Eglin and Hurlburt supports employer activity and specialized jobs in the DeFuniak Springs area. The project is about 18 miles north of Watersound Camp Creek, elsewhere in Walton County.
Walton commissioners approve up to $4.69 million Westbay Parkway design contract
At its August 17, 2026 meeting, the Walton County Board of County Commissioners approved, on the consent agenda, a contract with Mott MacDonald for Westbay Parkway design not to exceed $4,693,502.38. The same agenda included a $184,117 Dewberry task order for the Santa Clara Regional Beach Access Bramble Grove addition.
Why it matters: Design work on Westbay Parkway is an early step toward added road capacity in western Walton County. The site is about 6 miles northwest of Watersound Camp Creek.
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 5 miles northwest of Watersound Camp Creek.
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
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.
Items worth confirming for 109 Morning Light Way, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2026: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
HOA dues are listed at $100/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
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.
Private pool: confirm the barrier or alarm meets the state residential pool safety code and ask for pump, heater, and resurfacing records.
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 $42,914/yr) assumes reassessment at the list price; the seller's current bill is not a guide 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: November 2, 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
Typical county effective rate applied to the list price; 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 109 Morning Light Way and when was it built?
Per the listing record, 109 Morning Light Way was built in 2026 and has 5 bedrooms and 5.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 109 Morning Light Way in?
109 Morning Light Way is in Watersound Camp Creek in Inlet 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.
Does 109 Morning Light Way have an HOA, and how much are the dues?
The listing reports HOA dues of $100 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 109 Morning Light Way differ from the current owner's?
The estimate on this page (about $42,914 per year) assumes reassessment at the list price less the homestead exemption. 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 109 Morning Light Way 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 109 Morning Light Way 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.
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 jon@movewithmomentum.com and we will review and correct or remove it promptly.
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.
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.
Momentum Realty
Request a tour or info
Tell us how to reach you and a licensed Momentum Realty agent will follow up about 109 Morning Light Way.
1 / 1 photosListing courtesy of Inlet Beach Real Estate
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.
