Buyer leverage
Buyer advantage
1 days on market
8.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Below all 3
Price vs recent sales
Asking $364k is at or below all 3 recent closed sales
Sources: Emerald Coast MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
Highlights
As of September 25, 2026, 24 Breakwater Bay #7E in Seascape, Miramar Beach is listed at $364,000. That is 25% below Seascape's median closed sale of $485,000 over the last 12 months (3 recorded sales). It came to market within the past week. Listing facts: built in 1981. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 1981 · 45 yrs
- New to market
- HOA ~$50/mo (estimate; confirm)
Property timeline
This home’s history
- 1981BuiltPer public record
- Sep 25, 2026First trackedObserved at $364,000
- 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.
Financing
Estimated monthly payment
Cost to own
Property taxes
✓ Based on certified county tax rollEstimated property taxes after purchase
$3,075/yr
≈ $256/mo·effective rate ~0.84%
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 $2,250/yr ($188/mo)
+$825 more each year
(+37%)
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 price$48,335
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
Adjust 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.
Momentum Scores
Momentum Property Score
69/100
Strongest on: Pricing power (100), Affordability (92)
0 limited50100 exceptional
69/100 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.
Affordability92
List price $364,000 vs the community median $485,000. Not a measure of personal affordability.
Market liquidity15
Community median 350 days on market, ~8.0 months of supply (12-month record).
Pricing power100
Recent sales closed at about 79.4% of original asking (~20.6% 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. 8.0 months of supply in the surrounding market and 1 days on market for this home, against a 350-day area median.Days on market:this home 1Area median: 350 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.
Recent SEASCAPE sales closed near 79.4% 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 2 active listings in SEASCAPE, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated September 25, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Discover coastal living at its finest in this inviting condo nestled within the gated Seascape Golf, Beach & Tennis Resort. This well-located unit in the sought-after Golf Villas / Garden Villas community offers the perfect blend of relaxation and recreation on Florida's Emerald Coast. Enjoy convenient access to Seascape's outstanding amenities, including approximately 2,000 feet of private sugar-white sand beach with emerald Gulf waters, multiple community pools, an on-site championship golf course, tennis and pickleball courts, playgrounds, walking paths, and on-site dining options such as the popular Whale's Tail Beach Bar & Grill.
The resort's central Miramar Beach location places you near shopping, restaurants, and attractions, with easy proximity to Destin and Scenic Highway 30A. Typical of the Breakwater Bay Garden Villas (low-rise buildings with a handful of units), this unit features a comfortable 2-bedroom, 2-bathroom layout, open living/dining areas, a full kitchen, and private patio. This unit overlooks resort grounds providing a peaceful setting just a short stroll or quick ride to the beach.
Whether you're seeking a primary residence, vacation getaway, or investment property with strong rental potential in a full-amenity gated community, Unit 7E at 24 Breakwater Bay delivers the classic Seascape lifestyle. Any information contained in this listing is believed to be accurate but is not guaranteed and should be verified by buyer and agent.
Description provided by Cole Blair Properties LLC 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$364,000
Bed / bath2 / 2
Year built1981
Property typeCondominium
MLS #1012677
Listing statusNew — 1 day on market
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Windstorm exposureLow
CountyWalton
Area listings2 active · 0 under contract
Estimated first-year tax~$3,822/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Estimated monthly payment$2,494
Insurance (illustrative)$2k–$4k/yr
Comparable-sales median$485,000
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 Cole Blair Properties LLC · Listing agent: Cole Blair · cole@coleblair.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.
Keep looking
Similar homes for sale near SEASCAPE
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.
$375,000
1630 Scenic Gulf Drive #UNIT 7A, Miramar Beach
1 bd / 1.0 ba
Comparable price
Courtesy of Real Broker LLC →
$355,000
1096 Scenic Gulf Drive #G19, Miramar Beach
1 bd / 1.0 ba
Comparable price
Courtesy of Century 21 AllPoints Realty →
$385,000
293 Sunset Bay #UNIT 29A, Miramar Beach
2 bd / 2.0 ba
Comparable price
Courtesy of Pearce Realty Group LLC →
$379,000
1096 Scenic Gulf Drive #LS6, Miramar Beach
1 bd / 2.0 ba
Comparable price
Courtesy of Tait Real Estate LLC →
$359,000
285 Payne Street #UNIT 4B, Miramar Beach
2 bd / 2.0 ba
Comparable price
Courtesy of The Premier Property Group →
$355,000
285 Payne Street #UNIT 22A, Miramar Beach
2 bd / 2.0 ba
Comparable price
Courtesy of Lokation →
$399,000
122 Seascape Drive #2305, Miramar Beach
1 bd / 1.5 ba
Comparable price
Courtesy of The Premier Property Group →
$415,000
650 Seascape Drive #UNIT 6C, Miramar Beach
2 bd / 2.0 ba
Comparable price
Courtesy of The Ketchersid Group LLC →
Newest listings in Miramar Beach
- 285 Payne Street #Unit 4B, Miramar Beach · $359,000 · 2 bd / 2.0 ba · listed September 23, 2026 (courtesy of The Premier Property Group)
- 3219 Bay Estates Circle, Miramar Beach · $3,999,000 · 4 bd / 3.0 ba · listed September 23, 2026 (courtesy of Berkshire Hathaway Home Services PenFed Realty)
- 114 Mainsail Drive #Unit 322, Miramar Beach · $699,000 · 3 bd / 3.0 ba · listed September 22, 2026 (courtesy of Berkshire Hathaway Home Services PenFed Realty)
- 200 Sandestin Lane #906, Miramar Beach · $269,000 · 2 bd / 2.0 ba · listed September 22, 2026 (courtesy of homecoin.com)
- 2521 Vineyard Lane, Miramar Beach · $1,595,000 · 4 bd / 4.5 ba · listed September 22, 2026 (courtesy of Crye-Leike Coastal Realty)
- 58 Mobile Street, Miramar Beach · $995,000 · 4 bd / 4.5 ba · listed September 22, 2026 (courtesy of Dream Destin Realty PLLC)
Recently off market in SEASCAPE
Transparency
Price & listing history
Listed for $364,000Momentum Realty · on market 1 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.)
~$3,822/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)
$2k–$4k/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
Not on record
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.
Seen enough photos?
Want to see 24 Breakwater Bay #7E?
Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.
Listed by Cole Blair Properties LLC · MLS # 1012677
Market data · public records
Recent sales activity in SEASCAPE
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 SEASCAPE neighborhood guide for more.
Comparable sales found
0
Recent nearby closings in the data set.
Community median sale price
$485,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$0
Canonical 12-month median $/sq ft. Reference only.
Go deeper on SEASCAPE
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 Seascape Walton 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 site is about 15 miles northeast of Seascape Walton.
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 13 miles northwest of Seascape Walton.
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.
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$1,668 – $2,427/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.2%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$872 – −$189At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 24 Breakwater Bay #7E, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1981 (45 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- Condominium: request the association's budget, reserves, the most recent milestone or structural inspection report, and two years of meeting minutes before relying on the dues.
- 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 $3,822/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 twice daily (last: September 25, 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 24 Breakwater Bay #7E and when was it built?
Per the listing record, 24 Breakwater Bay #7E was built in 1981 and has 2 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 24 Breakwater Bay #7E in?
24 Breakwater Bay #7E is in Seascape in Miramar Beach, Walton County. The community section on this page shows recent closed sales, days on market, and active inventory for Seascape from the same MLS data.
Why might property taxes on 24 Breakwater Bay #7E differ from the current owner's?
The estimate on this page (about $3,822 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 24 Breakwater Bay #7E 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.
