165 Needle Cast Lane, Watersound, FL 32461
Sources: Emerald Coast MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 3, 2026, 165 Needle Cast Lane in Watersound Origins, Watersound is listed at $3,895,000. That is 317% above Watersound Origins's median closed sale of $935,000 over the last 12 months (252 recorded sales). It has been 73 days on market, longer than the community's typical 32 days to contract. Listing facts: built in 2023, waterfront. 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 2023 · 3 yrs
- 2-car garage
- 73 days on market
About this home
Some homes are built. This one was composed. Set on a quiet street in the coveted Stillwater enclave of WaterSound Origins, 165 Needle Cast Lane is a custom coastal estate of approximately 5,000 heated square feet that transcends convention at every turn.
The two-story residence -- clad in crisp white board-and-batten with standing seam metal roof accents and gas lanterns at the entry -- is joined by a covered breezeway to a detached carriage house, creating the feel of a private compound on a preserve-backed lot with pond views and a twenty-foot landscaped easement for added privacy. Through custom Firerock French glass entry doors, a herringbone white oak foyer opens to a great room stretching over forty-four feet, anchored by a six-foot color-changing linear gas fireplace and framed by walls of floor-to-ceiling Firerock glass that dissolve the boundary between indoors and out. Eleven-foot ceilings and wide-plank white oak floors run throughout, grounding a bold design palette of matte black cabinetry, brushed gold hardware, and luminous marble surfaces.
The kitchen features a fourteen-foot waterfall marble island beneath a custom woodwork ceiling with ambient LED cove lighting, Thermador professional-grade appliances including a six-burner gas range with griddle, dual convection and steam ovens, a built-in pizza oven, pot filler, and warming drawer. A fully equipped butler's pantry with Thermador coffee maker, pellet ice machine, pull-out refrigerator and freezer drawers, and its own dishwasher serves as a second prep zone. The dedicated wine room visible through floor-to-ceiling Firerock glass doors holds 336 bottles with a four-bottle dispensing system, built-in wine fridge, and illuminated white oak spirits shelving.
The second-floor owner's suite features a vaulted beamed ceiling with statement chandelier, wallpaper accent walls, and motorized blackout drapery. The master bath is appointed with a Toto zero-gravity flotation soaking tub, a fifteen-foot dual-stall digital shower with six body jets, dual rain showers, handheld wands, built-in anti-fog mirror, and marble dolomite walls with custom black marble inlay and illuminated niches. Separate his-and-hers California Closets hers with a center island and ambient lighting and an adjoining laundry room with custom marble floors complete the suite.
A second-floor morning bar with built-in Bosch coffee maker and refrigerator, two additional bedrooms with a beautifully appointed Jack-and-Jill bath, and a first-floor guest master suite with digital steam shower and champagne bubble-jet soaking tub with heated backrest round out the living spaces. The dedicated mudroom includes a built-in dog crate, pet feeding drawer, and concealed stacked washer and dryer. The rear of the home opens to a private outdoor resort: white marble pavers surround a heated pool with waterfalls, sun shelf, sunken barstools, and ambient lighting alongside a nine-person spa and a sunken gas fire pit with built-in bench seating on manicured turf.
The covered patio offers a color-changing gas fireplace, built-in grill with vent hood, outdoor refrigerator, bar sink, and three motorized bug screens for seamless evening entertaining. Whole-home Sonos, Lutron motorized shades on every window, comprehensive security cameras, and custom landscape lighting are standard throughout. The carriage house features Sonos theater surround sound, a wet bar, custom wallpaper, a half bath convertible to full, generous storage, and motorized drapery.
WaterSound Origins, a 1,400-acre master-planned community where short-term rentals are prohibited offers the Village Commons resort-style pool and fitness center, Origins Golf Course, tennis and pickleball courts, miles of nature trails, dock access to Lake Powell, and Watersound Town Center with Publix, dining, and retail. The Gulf beaches and coastal communities of Rosemary Beach, Alys Beach, and Seaside along Scenic 30A are just two miles south.
All 55 photos
Description provided by Scenic Sotheby's International Realty 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 $21,320/mo 83%
- Taxes $3,127/mo 12%
- Insurance $1,104/mo 4%
$25,551/mo at 20% down, 30-yr @ 7.28% · 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.
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.
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.
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 WATERSOUND ORIGINS market
How this home is priced against recent nearby sales, and where WATERSOUND ORIGINS 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, 2015–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2018–2026. Now 26 (cold).
This home’s history
- 2023BuiltPer public record
- About Jul 2026Listed (per MLS)MLS reports 73 cumulative days on market as of October 3, 2026
- Aug 4, 2026First seen on movewithmomentum.comObserved at $3,895,000
- 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 WATERSOUND ORIGINS. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
Momentum Property Score
59/100 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.
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. 3.6 months of supply in the surrounding market and 73 days on market for this home, against a 32-day area median.Days on market:this home 73Area median: 32 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.
44% of homes in WATERSOUND ORIGINS are owner-occupied. An estimated 56% are non-owner-occupied, including 23% held in a company or trust and 17% 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), 487 homes matched. Community-level context.
Recent WATERSOUND ORIGINS sales closed near 99.6% 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 75 active listings in WATERSOUND ORIGINS, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 3, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Scenic Sotheby's International Realty · MLS # 1008260
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Similar homes for sale near WATERSOUND ORIGINS
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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More on WATERSOUND ORIGINS
Go deeper on WATERSOUND ORIGINS
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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 165 Needle Cast Lane, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2023: 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.
- 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.
- Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
- 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 $37,525/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $17,125 more per year than the current owner’s estimated bill (+84%). 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, refreshed hourly (last: October 3, 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 165 Needle Cast Lane and when was it built?
Per the listing record, 165 Needle Cast Lane was built in 2023 and has 4 bedrooms and 4.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 165 Needle Cast Lane in?
165 Needle Cast Lane is in Watersound Origins in Watersound, 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 165 Needle Cast Lane differ from the current owner's?
The estimate on this page (about $37,525 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $17,125 more per year than the current owner’s estimated bill (+84%). 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 165 Needle Cast Lane 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.
See 165 Needle Cast Lane 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 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.