234 S Blue Heron Drive #Unit #3, 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 1982 · 44 yrs
- New to market
- HOA ~$50/mo (estimate; confirm)
This home’s history
- 1982BuiltPer 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 $3,674/mo 77%
- Taxes $634/mo 13%
- Insurance $393/mo 8%
- HOA $50/mo 1%
$4,751/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
67/100 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.
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
Wake up each morning to peaceful waterfront views and end every evening with breathtaking sunsets that paint the sky in brilliant shades of orange, pink, and blue. From your private dock, you'll enjoy a front-row seat to one of nature's most spectacular shows as dolphins regularly swim through Mack Bayou, playing and feeding just offshore, while a majestic blue heron makes daily visits to fish from the dock. Whether you're sipping your morning coffee, unwinding with a glass of wine at sunset, or simply enjoying the sights and sounds of the water, this home offers an ever-changing display of coastal wildlife and the relaxed waterfront lifestyle you've been dreaming of.
Deep-water dockage, open bay views, and exceptional coastal living await at this beautifully maintained waterfront townhome on Mack Bayou in Santa Rosa Beach. Nestled within an exclusive enclave of only four residences, this exceptional 2-bedroom, 2.5-bath home offers approximately 1,600 square feet of thoughtfully designed living space along with the rare opportunity for both personal enjoyment and investment, as short-term rentals are permitted. Situated on 100 feet of shared bayou frontage with expansive open bay views, each residence enjoys a shared 40-foot dock, dedicated boat slip, and boat lift.
With approximately four feet of water depth year-round, the slip easily accommodates larger boats, allowing you to spend more time on the water and less time worrying about the tides. A convenient fish-cleaning station makes returning from a successful day on the water effortless, and the seller's 26-foot boat, currently housed in the slip, is available for purchase separately. Inside, natural light pours through an impressive, oversized skylight, illuminating the open-concept living and dining areas.
The custom kitchen was designed with entertaining in mind and features solid wood shaker cabinetry with soft-close doors and drawers, a wet bar, beverage refrigerator, and refrigerator with in-door water and ice dispenser. The spacious waterfront primary suite offers a peaceful retreat with sliding glass doors leading to a private balcony overlooking the bayou. Even the primary bathroom embraces the waterfront setting, featuring dual vanities and tranquil water views that make every day feel like a vacation.
Outdoor living is equally impressive with expansive brick-pavered front and rear porches, an outdoor shower for rinsing off after a day on the boat or at the beach, and both front and rear storage rooms perfect for fishing gear, paddleboards, beach equipment, and more. The front porch even includes a dedicated water supply for potted plants and seasonal flowers. Quality craftsmanship is evident throughout with hardwood flooring on the main level and staircase, new luxury vinyl plank flooring upstairs, solid-core interior doors, elegant 8-inch baseboards, a Tesla electric vehicle charger, heavy-duty stair handrail, new fencing, a new electrical panel, and a recently replaced well pump.
Major improvements provide added peace of mind, including a 2017 roof, 2022 18 sear Mitsubishi true variable air conditioner / heat pump, 2020 water heater, and a brand-new community septic tank and drain field installed in 2025. Owners share the cost of lawn maintenance, pest control, common area irrigation, water and electricity to the docks, and umbrella insurance for the building, allowing for a convenient, low-maintenance waterfront lifestyle. Two dedicated parking spaces are located directly in front of the residence, and the prime Santa Rosa Beach location places you just minutes from the sugar-white beaches of Scenic Highway 30A, Grand Boulevard, Sacred Heart Hospital, premier shopping, dining, golf, and entertainment.
Whether you're searching for a primary residence, a second home, or an income-producing investment, this rare waterfront offering combines deep-water boating, private boat slip and lift, spectacular sunsets, abundant coastal wildlife, and an unmatched waterfron…
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 ARROYA CASSA
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 ARROYA CASSA
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 ARROYA CASSA 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 ARROYA CASSA
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 234 S Blue Heron Drive #Unit #3 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.
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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.