111 Cypress Walk, Santa Rosa Beach, FL 32459
Sources: Emerald Coast MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 16, 2026, 111 Cypress Walk in Cypress Dunes, Santa Rosa Beach is listed at $999,000. That is 28% below Cypress Dunes's median closed sale of $1,382,500 over the last 12 months (12 recorded sales). It has been 52 days on market. Listing facts: built in 2005. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 2005 · 21 yrs
- 52 days on market
About this home
Beach Cottage in Cypress Dunes This charming 3-bedroom, 3-bathroom beach cottage in Cypress Dunes is the perfect getaway for those looking to relax and enjoy everything 30A has to offer. As you cross the wooden bridge into Cypress Dunes, you'll immediately feel the peaceful, coastal atmosphere of this gated community. A welcoming front porch sets the tone for this delightful cottage and provides the perfect spot to enjoy your morning coffee, unwind with a good book, or relax with an evening beverage.
Step inside to a bright and spacious great room featuring vaulted ceilings and French doors that open directly onto the front porch. The inviting dining area offers plenty of room for family meals, while the light-filled kitchen provides abundant cabinet space and a convenient breakfast bar for casual dining. Down the hallway, you'll find the laundry area and a convenient drop zone for shoes and beach gear.
The main-floor primary suite is generously sized with plenty of room for a luxurious king-sized bed. The attached bathroom features two separate vanities and an oversized shower. Across the hallway, the second bedroom offers comfortable accommodations and a private en-suite bathroom with a tub/shower combination.
One of the cottage's most inviting features is the screened-in back porch. Complete with a dreamy porch swing, it's an ideal place to listen to the birds, enjoy the gentle Gulf breeze, and take in views of the neighborhood's lush green space surrounded by mature trees and vegetation. The home also offers plenty of parking for guests.
Upstairs, you'll discover a spacious loft area with two beds and a dedicated workstation, making the space versatile for children, additional guests, or remote work. A third large bedroom is also located upstairs and includes its own private bathroom with a shower. Cypress Dunes offers an exceptional setting on the west end of 30A, with amenities designed for both relaxation and recreation.
Residents and guests enjoy access to two swimming pools, an exercise room, an amenities center, tennis courts, a pickleball court, green spaces, and boardwalks throughout the community. Nature lovers will especially appreciate the neighborhood's peaceful setting. Cypress Dunes features beautiful, mature cypress ponds, some with trees more than 100 years old, that wind through the community.
The neighborhood is nestled next to Topsail Hill State Park and Preserve, providing abundant opportunities to experience local wildlife, native plants, and the natural beauty of the area. With the entrance to Topsail Hill State Park just a short distance away and several beach access points along 30A nearby, this cottage provides an ideal combination of comfort, community amenities, and easy access to the Gulf Coast. Whether you're looking for a relaxing family vacation, a peaceful beach retreat, or a home base for exploring 30A, this charming Cypress Dunes cottage offers the perfect place to slow down, reconnect, and enjoy the best of the Emerald Coast.
All 88 photos
Description provided by On The Coast Real Estate Group and reproduced from the MLS; not independently verified.
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
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $5,533/mo 82%
- Taxes $771/mo 11%
- Insurance $409/mo 6%
$6,713/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Certified tax roll · county-average rateProperty 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.
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
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.
Estimate my property taxes →Adjust for your exemptions, portability, and down payment
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 111 Cypress Walk
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 $4,250/yr (certified county roll, taxable value × millage). Buy at the asking price of $999,000 and the first-year bill resets to about $9,250/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 $3,500–$7,000/yr; neither is a quote. Flood: this address maps to FEMA zone X, outside the high-risk zone; flood insurance is optional but most lenders and insurers recommend it. Statewide, a zone X flood policy runs about $500–$700/yr (FEMA Risk Rating 2.0 averages, not a quote). |
| Roof and age | Built in 2005. An original roof would be about 21 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date. |
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
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.
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.
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
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 broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
Pricing & the CYPRESS DUNES market
How this home is priced against recent nearby sales, and where CYPRESS DUNES 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, 2015–2026. Now 48 (normal).
This home’s history
- 2005BuiltPer public record
- About Aug 2026Listed (per MLS)MLS reports 52 cumulative days on market as of October 16, 2026
- Aug 25, 2026First seen on movewithmomentum.comObserved at $999,000
- NowActiveCurrently for sale
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.
Price & listing history
Building permits
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 CYPRESS DUNES. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
Momentum Property Score
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.
Coverage: 6 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.
The Momentum read
🟢 Buyer-leaning conditions around this listing. 11.0 months of supply in the surrounding market and 52 days on market for this home, against a 56-day area median.Days on market:this home 52Area median: 56 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.
25% of homes in CYPRESS DUNES are owner-occupied. An estimated 75% are non-owner-occupied, including 21% held in a company or trust and 56% 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), 123 homes matched. Community-level context.
Recent CYPRESS DUNES sales closed near 93.2% 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 11 active listings in CYPRESS DUNES, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 16, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by On The Coast Real Estate Group · MLS # 1010529
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Similar homes for sale near CYPRESS DUNES
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.
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Recently off market in CYPRESS DUNES
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More on CYPRESS DUNES
Go deeper on CYPRESS DUNES
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.
Assigned schools
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.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Buyer research checklist
Items worth confirming for 111 Cypress Walk, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2005 (21 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- Confirm whether a mandatory HOA applies to this parcel and what it charges.
- FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
- 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 $9,250/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $5,000 more per year than the current owner’s estimated bill (+118%). 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.
Data sources & freshness
| Listing record | Emerald Coast MLS, checked against the MLS hourly (last: October 16, 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 | FEMA flood maps + USGS elevation (Zone X shown above) |
| 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.
Frequently asked questions
How big is 111 Cypress Walk and when was it built?
Per the listing record, 111 Cypress Walk was built in 2005 and has 3 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 111 Cypress Walk in?
111 Cypress Walk is in Cypress Dunes 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 111 Cypress Walk differ from the current owner's?
The estimate on this page (about $9,250 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $5,000 more per year than the current owner’s estimated bill (+118%). 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 111 Cypress Walk in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and 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.
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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.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Emerald Coast Association of REALTORS® Internet Data Exchange. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: Emerald Coast Association of REALTORS®. © 2026 Emerald Coast Association of REALTORS®, Inc. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.