164 Bay Trace, Santa Rosa Beach, FL 32459
Sources: realMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
- No CDD assessment on record
- Built 2018 · 8 yrs
- 2-car garage
- 179 days on market
- HOA ~$50/mo (estimate; confirm)
This home’s history
- 2018BuiltPer public record
- NowActiveCurrently for sale
Build year is from public record. Listing 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.
Estimated monthly payment
- Principal & interest $19,153/mo 81%
- Taxes $3,307/mo 14%
- Insurance $1,204/mo 5%
- HOA $50/mo 0%
$23,714/mo at 20% down, 30-yr @ 6.52% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Momentum Property Score
75/100 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.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
69% of homes in The Woods are owner-occupied. An estimated 31% are non-owner-occupied, including 3% held in a company or trust and 3% 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), 29 homes matched. Community-level context.
What’s unique here: one of only 2 active listings in The Woods, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated July 26, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
In The Woods, a carefully planned private, soon to be gated bayfront community in a natural wooded setting that preserves a perfect balance of nature, architecture, and relaxed luxury you will find this exquisitely crafted 5 bedroom 4,380 sq ft. estate residence on .72 acres and 95' of private bayfront, with expansive saltwater pool and boat dock equipped with a 12,000lb covered boat lift, 2 jet ski lifts, power, water, lights, and a lower dock to put in your SUP boards or kayaks for the pinnacle in luxury waterfront living and entertaining. Spend the day with family and friends in your bayfront pool watching the dolphins play, or on the water in the ultimate playground for boating and water recreation.
Experience the best of both worlds, bay and beach, being located only 4 miles due north of Seaside. just minutes from the beach and the best dining and entertainment along Scenic Highway 30A. Arrive at the home located on a quiet cul de sac via a long driveway lined with grand oak trees and mature native growth with a roundabout for easy parking.
Hosting a party? This home will accommodate at least 8 cars. Enter through a welcoming expansive porch to an impeccable home designed with chic natural elements of stone and light colored wood to blend with the tranquil environment in creating a warm relaxing atmosphere.
You are greeted with breathtaking views of the Choctawhatchee Bay through a wall of double sliding glass doors where indoor and outdoor living come together..... The spacious living room has 10 foot ceilings, white oak floors, a gas fireplace and plenty of seating.The first floor primary bedroom is a peaceful retreat with serene views of the bay, a private screened porch with access to the pool area, a spa-like bathroom with dual vanities, a luxurious walk-in shower, deep soaking tub and expansive his and hers walk-in closets with custom built-ins. Off the hallway in the primary wing is also a comfortable light filled separate office, guest bedroom, or anything that best suits your needs.
The gourmet kitchen, adorned with quartzite countertops and waterfall on the island, Wolf gas range, built in Fisher and Paykel refrigerator & freezer, and ample floor to ceiling custom cabinetry, flows gracefully into a screened-in porch with an outdoor grill and sink which also accesses the large luxurious covered patio to relax in the shade by the pool or enjoy a glass of wine marveling at the spectacular sunset over the Choctawhatchee Bay. Behind the kitchen, you will discover a butler's pantry, a convenient powder bath, and a well-appointed laundry room. Ascend to the second level where a secondary living space/playroom with custom built-in desks awaits along with two bedrooms adjoined by a spacious Jack and Jill-style bathroom.
An additional bedroom with en-suite bathroom unveils unparalleled bay views from the second floor. Above the two-car garage is a full carriage house for family members or guests that would enjoy some privacy in their own space, but still easily access the main home from inside by either a stairwell off the hallway from the kitchen or a side entrance, provides a gracious living room, a well-appointed bedroom, a convenient kitchenette, a dedicated laundry area, and a fully appointed bath. The Woods neighborhood also features only 44 homesites, minimal hoa dues and no short term rentals allowed.
The home can even come furnished with a firm offer. This is a rare opportunity to own a legacy home in one of South Walton's most spectacular settings!
Description provided by Compass 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
Similar homes for sale near The Woods
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.
Price & listing history
Building permits
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. Run --online for a live reading.
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Internet & broadband
AT&T Fiber covers much of NE Florida. Run --online or confirm at the address.
Xfinity/Spectrum cable broadband is widely available.
T-Mobile / Verizon fixed-wireless as a backup option.
Recent sales activity in The Woods
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the The Woods neighborhood guide for more.
Recent nearby closings in the data set.
Canonical 12-month median closed price. Reference only.
Canonical 12-month median $/sq ft. Reference only.
Go deeper on The Woods
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 →
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
No closely comparable recent sales were found in this data set.
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Buyer research checklist
A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.
- Confirm roof age and condition during inspection.
- Confirm HVAC age and condition during inspection.
- Request current HOA documents before relying on dues or restrictions.
- Obtain an insurance quote for this specific property.
- Confirm school zoning directly with the district.
- Order a survey to confirm lot boundaries.
- Review permit history with the county.
- Confirm whether flood insurance is required for this parcel.
- Confirm square footage and room dimensions independently.
- Ask the county how property taxes may change after a sale.
Approximate distances
Approximate drive times for general reference only.
Groceries, dining, and parks for this city — see the city guide.
Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
View →Data sources & freshness
| Listing record | realMLS, refreshed twice daily (last: July 26, 2026) |
| Community market stats | realMLS closed sales, as of July 25, 2026 |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone X shown above) |
| Taxes & monthly cost | Estimated from county rates; not a quote |
| 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 realMLS 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
Why might my property taxes differ from the current owner's?
Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Where does the flood-zone information come from?
The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. 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.
See 164 Bay Trace in person
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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 a typical county millage rate to the list price 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.