189 N Southern Cross Lane, Watersound, FL 32461
Sources: Emerald Coast MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of September 12, 2026, 189 N Southern Cross Lane in Watersound Camp Creek, Watersound is listed at $5,500,000. That sits within a few percent of Watersound Camp Creek's median closed sale of $5,250,000 over the last 12 months (15 recorded sales). It has been 156 days on market, longer than the community's typical 80 days to contract. Listing facts: built in 2026. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 2026
- 5-car garage
- 156 days on market
- HOA ~$50/mo (estimate; confirm)
This home’s history
- 2026BuiltPer public record
- Aug 4, 2026First trackedObserved at $5,500,000
- 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 $28,568/mo 82%
- Taxes $4,812/mo 14%
- Insurance $1,444/mo 4%
- HOA $50/mo 0%
$34,874/mo at 20% down, 30-yr @ 6.76% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Momentum Property Score
41/100 is below average 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
🟢 Buyer-leaning conditions around this listing. 16.8 months of supply in the surrounding market and 156 days on market for this home, against a 80-day area median.Days on market:this home 156Area median: 80 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 12, 2026.
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 96.2% 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 12, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 21 active listings in WATERSOUND CAMP CREEK, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated September 12, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
At 189 N Southern Cross Lane, a sense of anticipation lingers in the air--an emerging residence taking shape within the gated community of WaterSound Camp Creek, where thoughtful design and coastal beauty meet. Currently under construction and nearing completion, this home by Minchew Design Build is being crafted with intention, each detail contributing to a larger story of how a home should feel as much as how it should function. Thoughtfully designed for modern living, the residence is also fully smart-home wired, seamlessly integrating convenience and technology throughout.
One of the defining luxuries of Camp Creek living is the inclusion of a WaterSound Club membership, extending the experience far beyond the residence itself. Days can begin with a round of unlimited golf, followed by an afternoon on the private beach with dedicated setups, a match on the tennis or pickleball courts, or time spent at the zero-entry pools. The club's wellness offerings are equally compelling, with strength training and cardio facilities, fitness classes, and rejuvenating sauna and steam rooms creating an amenity experience that feels more like a private resort.
Encompassing more than 5,500 square feet, the home unfolds with quiet confidence. As you move through the interiors, white oak hardwood floors carry a sense of warmth underfoot, guiding you from one space to the next. The main living areas are designed for both connection and ease--anchored by a fireplace and complemented by a butler's pantry and temperature-controlled wine room, where evenings can begin with a simple pour and evolve into something more memorable.
There is a rhythm to the layout--moments of gathering balanced with spaces for retreat. A dedicated office offers a place for focus, while an upstairs living area invites slower afternoons or movie nights that stretch long past sunset. The bunk room with its reading loft introduces a sense of imagination, while a second primary suite on the upper level provides an additional private retreat for comfort and flexibility.
Additional unfinished space not included in the main square footage offers flexibility for a private suite, fitness studio, or creative retreat, further enhancing the home's versatility. The primary suite feels elevated in both design and perspective, with vaulted ceilings and soft pond views that shift with the light throughout the day. It's a space designed for stillness--where mornings arrive gently and evenings settle in with ease.
Outdoors, the home opens into a setting designed to be lived in fully. A heated saltwater pool and hot tub become the center of the experience, framed by an outdoor kitchen and fireplace that invite conversation, celebration, and time spent under open skies. Subtle architectural touches, including copper roof accents, add character and a sense of permanence.
The five-car garage, thoughtfully designed to accommodate a lift, speaks to both practicality and possibility--space not just for storage, but for lifestyle. As it nears completion, 189 N Southern Cross Lane tells a story of balance--between architecture and environment, gathering and solitude, intention and ease. It is a home designed not simply to be seen, but to be experienced over time, where each day unfolds with a quiet sense of place within Camp Creek and is enriched by the extraordinary lifestyle of WaterSound Club.
Description provided by Corcoran Reverie SRB 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
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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.
Price & listing history
Building permits
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
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; confirm availability at the address.
Xfinity/Spectrum cable broadband is widely available.
T-Mobile / Verizon fixed-wireless as a backup option.
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Listed by Corcoran Reverie SRB · MLS # 1000249
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Recent sales activity in Watersound Camp Creek
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 Watersound Camp Creek 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 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.
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
Items worth confirming for 189 N Southern Cross Lane, 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.
- 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 $57,750/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
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 | Emerald Coast MLS, refreshed twice daily (last: September 12, 2026) |
| Community market stats | Emerald Coast MLS closed sales, as of September 12, 2026 |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| 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 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 189 N Southern Cross Lane and when was it built?
Per the listing record, 189 N Southern Cross Lane was built in 2026 and has 5 bedrooms and 7.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 189 N Southern Cross Lane in?
189 N Southern Cross Lane is in Watersound Camp Creek in Watersound, Walton County. The community section on this page shows recent closed sales, days on market, and active inventory for Watersound Camp Creek from the same MLS data.
Why might property taxes on 189 N Southern Cross Lane differ from the current owner's?
The estimate on this page (about $57,750 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so 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.
Is 189 N Southern Cross Lane 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.
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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.
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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.