Buyer leverage
Buyer advantage
41 days on market
9.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$4k–$8k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Below all 4
Price vs recent sales
Asking $1.65M is at or below all 4 recent closed sales
Sources: Emerald Coast MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
Highlights
As of September 30, 2026, 20 Sunrise in Beach Highland, Santa Rosa Beach is listed at $1,650,000. That is 47% below Beach Highland's median closed sale of $3,137,500 over the last 12 months (4 recorded sales). It has been 41 days on market, well inside the community's typical 182 days. Listing facts: built in 2023. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 2023 · 3 yrs
- 1-car garage
- 41 days on market
- HOA ~$50/mo (estimate; confirm)
Property timeline
This home’s history
- 2023BuiltPer public record
- Aug 20, 2026First trackedObserved at $1,650,000 · 41 days on market
- 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.
Financing
Estimated monthly payment
Cost to own
Property taxes
✓ Based on certified county tax rollEstimated property taxes after purchase
$15,600/yr
≈ $1,300/mo·effective rate ~0.95%
Estimated from today’s asking price and current Walton County tax rates.
⚠️Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Current owner pays $13,575/yr ($1,131/mo)
+$2,025 more each year
(+15%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes🔄
Home sellsResets the January after🧾
Buyer paysBased on purchase priceAdjust for your exemptions, portability, and down payment
Historical tax data loading…
A market / assessed / taxable trend chart appears here once the prior-year rolls are ingested.
Sources: Florida DOR certified tax roll (2025), Emerald Coast AR. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
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.
Momentum Scores
Momentum Property Score
72/100
Strongest on: Affordability (100), Pricing power (100)
0 limited50100 exceptional
72/100 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.
Affordability100
List price $1,650,000 vs the community median $3,137,500. Not a measure of personal affordability.
Market liquidity15
Community median 182 days on market, ~9.0 months of supply (12-month record).
Pricing power100
Recent sales closed at about 80.4% of original asking (~19.6% below). More room below asking generally favors buyers.
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.
Momentum Research
The Momentum read
🟢 Buyer-leaning conditions around this listing. 9.0 months of supply in the surrounding market and 41 days on market for this home, against a 182-day area median.Days on market:this home 41Area median: 182 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.
35% of homes in BEACH HIGHLAND are owner-occupied. An estimated 65% are non-owner-occupied, including 22% held in a company or trust and 40% 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), 33 homes matched. Community-level context.
Recent BEACH HIGHLAND sales closed near 80.4% 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 3 active listings in BEACH HIGHLAND, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated September 30, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Beautifully designed and completed in late 2023, this 4-bedroom, 3.5-bath coastal retreat offers a private pool, oversized corner lot, and an ideal location on the west end of 30A--with no HOA. Offering approximately 3,350 square feet under roof and 2,418 heated and cooled, the home also boasts an impressive rental history of $110,000+ and is located just 1/3 mile from county beach access. Inside, the coastal-chic, open-concept floor plan is designed for both entertaining and everyday living.
The main level features a spacious living area, dining room, kitchen, and convenient mudroom. Upstairs, the primary suite is joined by a second bedroom with a private bath, while the bunk room and fourth bedroom share an additional full bath. Outdoor living is a standout feature, with wraparound porches, spacious patios, private pool, and low-maintenance artificial turf lawn--creating the perfect setting to relax after a day at the beach or exploring 30A's shopping and dining.
Situated on a rare 0.41-acre corner lot, the property offers exceptional parking with a 1-car garage plus 3 driveway spaces. With its newer construction, strong rental performance, no HOA, generous outdoor space, and convenient beach access, this property is an exceptional opportunity for a primary residence, second home, or vacation rental investment.
Description provided by Pinnacle Beach Properties and reproduced from the MLS; not independently verified.
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$1,650,000
Bed / bath4 / 3.5
Year built2023
Property typeDetached Single Family
Garage1-car
MLS #1010212
Listing status41 days on market
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Ground elevation~17 ft
Windstorm exposureLow
CountyWalton
Area listings3 active · 0 under contract
Estimated first-year tax~$17,325/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Estimated monthly payment$10,770
Insurance (illustrative)$4k–$8k/yr
Comparable-sales median$3,137,500
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
Listing courtesy of Pinnacle Beach Properties · Listing agent: Austin C Norwood · anorwood11@hotmail.comProvided via the Emerald Coast Association of REALTORS® Internet Data Exchange · Source: Emerald Coast Association of REALTORS® · © 2026 Emerald Coast Association of REALTORS®, Inc. · deemed reliable but not guaranteedIDX information is provided exclusively 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. Data is deemed reliable but is not guaranteed by the MLS to be accurate.
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Recently off market in BEACH HIGHLAND
Transparency
Price & listing history
Listed for $1,650,000Momentum Realty · on market 41 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
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.)
~$17,325/yr
A rough first-year estimate only, applying a typical Walton rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$4k–$8k/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
$50/mo
Covers the master association & common areas. Confirm exact dues and what they include.
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
~17 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
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Listed by Pinnacle Beach Properties · MLS # 1010212
Market data · public records
Recent sales activity in BEACH HIGHLAND
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 BEACH HIGHLAND neighborhood guide for more.
Comparable sales found
0
Recent nearby closings in the data set.
Community median sale price
$3,137,500
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$0
Canonical 12-month median $/sq ft. Reference only.
Go deeper on BEACH HIGHLAND
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.
In the area
Recent Beach Highland news
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jul 2026 · Infrastructure
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 project is about 29 miles northeast of Beach Highland, elsewhere in Walton County.
Get The Coast
Jun 2026 · Civic
DeSantis signs state budget with funding for Okaloosa County projects
Governor DeSantis signed the state budget that included roughly $15 million for 20 Okaloosa County projects, among them $5 million for the Northwest Florida State College Workforce Innovation Center in Niceville, $1.5 million for Shalimar Bridge Park, and $3 million for Destin road and drainage work. About $7.26 million in other local requests were vetoed.
Why it matters: Directs state funding toward workforce, park, road, and drainage infrastructure across Okaloosa County, supporting public facilities and capacity in Niceville, Shalimar, and Destin. The site is about 17 miles north of Beach Highland.
Get The Coast
Assigned schools
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.
GRADEA
Van R ButlerAssigned 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 →
How it stacks up
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.
Just listed: new homes for sale in the Emerald Coast in the last 48 hours · updated hourly · RSS · The Emerald Coast market today: new listings, price cuts, pendings
If you rent it out
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.
Estimated rent$7,562 – $11,000/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.6%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$3,414 – −$320At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 20 Sunrise, 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.
- 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 $17,325/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.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
Provenance
Data sources & freshness
| Listing record | Emerald Coast MLS, refreshed hourly (last: September 30, 2026) |
| Community market stats | Emerald Coast MLS closed sales, as of September 20, 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.
Answered before you ask
Frequently asked questions
How big is 20 Sunrise and when was it built?
Per the listing record, 20 Sunrise was built in 2023 and has 4 bedrooms and 3.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 20 Sunrise in?
20 Sunrise is in Beach Highland in Santa Rosa Beach, Walton County. The community section on this page shows recent closed sales, days on market, and active inventory for Beach Highland from the same MLS data.
Why might property taxes on 20 Sunrise differ from the current owner's?
The estimate on this page (about $17,325 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 20 Sunrise 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.
