221 Bay Circle Drive, 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 2001 · 25 yrs
- 4-car garage
- 143 days on market
- HOA ~$50/mo (estimate; confirm)
This home’s history
- 2001BuiltPer 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 $24,069/mo 79%
- Taxes $4,156/mo 14%
- Insurance $2,078/mo 7%
- HOA $50/mo 0%
$30,353/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
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.
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.
About this home
Commanding one of the most extraordinary waterfront positions along the Emerald Coast, Santa Rosa Point occupies its own private peninsula with approximately 500 feet of wraparound frontage on Choctawhatchee Bay. Set on more than an acre of secluded, meticulously landscaped grounds, the estate is surrounded by water on three sides, offering a rare sense of privacy and natural beauty that feels removed yet remains remarkably connected. This is one of just a few deepwater locations on the bay, making it ideal for boating and water enthusiasts.
Mornings begin with soft eastern light and dolphins gliding through the bay, while evenings bring sweeping sunsets as herons, osprey, and pelicans return home. The grounds are richly landscaped with mature tropical plantings and an abundance of palm trees that enhance the property's coastal setting. Along the shoreline, a private manmade white sandy beach provides a rare and inviting waterfront retreat, perfect for relaxing or enjoying the calm bay waters.
Designed for both refined entertaining and effortless daily living, the residence features expansive interior spaces oriented toward uninterrupted water views. The main living areas and primary suite sit just steps from the shoreline, allowing the bay to shape everyday life. The owner's retreat serves as a private sanctuary, featuring a spa-inspired bath with a steam shower and body sprayers, generous walk-in closets with secure storage, and direct access to outdoor living areas overlooking the water.
Solid hardwood flooring in the primary living spaces is complemented by travertine accents and carefully selected low-glare lighting, creating a warm and refined ambiance throughout. The kitchen balances elegance and functionality with custom cabinetry, a Wolf range and oven, and a Sub-Zero refrigerator freezer, supported by an additional full-sized refrigerator in the laundry room. Five bedrooms are thoughtfully arranged for privacy and flexibility, including two suites on the main level and additional bedrooms with Jack-and-Jill and ensuite-style baths.
A dedicated office or workout room and an elevated deck provide inspiring bay views for work, wellness, or quiet retreat. Abundant storage is found throughout the home, enhanced by custom cabinetry and slat-wall systems in the garage. Four insulated garage bays--one configured as a relaxed man cave--offer ample room for vehicles and recreational gear.
Built with resilience as a priority, the residence features metal stud construction, thick stucco-covered concrete walls, metal trusses, a metal roof, and hurricane-rated windows. A geothermal HVAC system with zoned climate control has been recently upgraded and remains under warranty. A pressure-regulated hot water circulation system ensures rapid delivery throughout the home, while a recently installed whole-house 30kW generator ensures reliable backup power and added peace of mind Outdoor living rivals that of a private resort with a pool, hot tub, three outdoor showers, an outdoor fireplace and fire pit, expansive patios and balconies, trellis-covered swings, and a shaded daybed retreat.
Automated landscape lighting, irrigation, Bluetooth-enabled outdoor speakers, a solar-powered gated entry, and a comprehensive security system provide comfort and peace of mind. Tucked within the wooded portion of the property is a charming kids' "treehouse" style cabana, creating a whimsical hideaway and unique gathering space. For boating enthusiasts, the estate is anchored by an exceptional dock measuring approximately 58 by 38 feet, equipped with multiple lifts including one rated for up to 20,000 pounds, additional lifts for personal watercraft, and expansive decking designed for both functionality and enjoyment.
A separate dock pier at the end of the peninsula provides an additional elevated fishing location, complementing the large boathouse deck and offering several ideal vantage points for casting into the bay. The dock system also includ…
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
Similar homes for sale near SANTA ROSA BEACH ESTATES
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 SANTA ROSA BEACH ESTATES
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 SANTA ROSA BEACH ESTATES 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 SANTA ROSA BEACH ESTATES
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 221 Bay Circle Drive 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.
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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.