24 Cinnamon Fern Lane, Santa Rosa Beach, FL 32459
Sources: Emerald Coast MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 16, 2026, 24 Cinnamon Fern Lane in Naturewalk At Seagrove, Santa Rosa Beach is listed at $999,000. That is 17% below Naturewalk At Seagrove's median closed sale of $1,210,000 over the last 12 months (33 recorded sales). It has been 77 days on market. Listing facts: built in 2012. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 2012 · 14 yrs
- 77 days on market
About this home
Priced under $1 million, this 2-bedroom, 2.5-bath home with a separate bunk room offers an increasingly hard-to-find opportunity along 30A. Why settle for a condo or townhome with high association fees when you can enjoy the privacy, space, and lifestyle of a single-family home in one of the area's most sought-after communities? Homes offering this combination of price, location, condition, and features in NatureWalk at Seagrove are few and far between.
Rental projections are $70,000 making this an ideal investment. Perfectly positioned along one of the community's most established streets with mature landscaping, this beautifully maintained home backs to a wooded park, providing a peaceful and private setting rarely found in the neighborhood. Located near the front of NatureWalk, the home offers convenient access to Seaside, WaterColor, and the beaches of 30A while placing you just steps from The Gathering Place and the community's exceptional amenities.
Offered fully furnished and including a 6-seat golf cart, this turnkey property has been lovingly cared for by its owners and has never been part of a rental program. Immaculate inside and out, the home features gorgeous solid pine floors refinished in 2022, along with newer HVAC systems for added peace of mind. One of its most distinctive features is the rare floor plan with a soaring two-story living room that fills the space with natural light and creates an open, inviting atmosphere.
The cozy front porch was designed for year-round enjoyment and includes a gas fire pit. During the cooler months, the lower winter sun naturally warms the porch, while the higher summer sun provides comfortable shade, making it the perfect place to relax and unwind along this quiet street. The first floor offers a spacious primary suite with a spa-like bathroom featuring a soaking tub, separate shower, dual vanities, and a large walk-in closet.
A portion of the closet can also function as a convenient owner's lockout, providing added flexibility for those who choose to rent the home. Upstairs is the perfect retreat for children or visiting guests. An open loft with a sofa and TV creates a comfortable secondary living space just outside the bunk room, which features custom barn doors and sleeps four with two twin-over-twin bunk beds.
A second guest suite is also located upstairs and offers access to a shared bathroom and a private porch with beautiful sunset views. Outside, you'll find ample parking with a pavered parking area and a trellis-covered space behind the home, along with nearby overflow parking for guests. NatureWalk at Seagrove is one of 30A's most desirable communities, offering resort-style amenities including a beach-entry pool, heated lap pool, hot tub, children's splash pool, pickleball courts, playground, fitness stations, gathering spaces, and miles of scenic nature trails.
Residents also enjoy direct access to the Lily Lane Beach Trail leading toward the white sand beaches and emerald waters of the Gulf. Whether you're searching for a primary residence, second home, or investment property, this exceptional home delivers the space and privacy of a single-family residence at a price point that is increasingly difficult to find on 30A. Fully furnished, move-in ready, and priced under $1 million, this is an opportunity you do not want to miss!
All 53 photos
Description provided by Compass 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
Estimated monthly payment
- Principal & interest $5,533/mo 83%
- Taxes $771/mo 12%
- Insurance $360/mo 5%
$6,664/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Certified tax roll · county-average rateProperty taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Estimate my property taxes →Adjust for your exemptions, portability, and down payment
Sources: Florida DOR certified tax roll (2025), Emerald Coast AR; millage: Florida TaxWatch 2025 How Florida Counties Compare (county-average millage); school portion estimated at ~42% of total, capped at 6.50 mills. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 24 Cinnamon Fern Lane
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
| Property tax | The current owner's bill is about $7,025/yr (certified county roll, taxable value × millage). Buy at the asking price of $999,000 and the first-year bill resets to about $9,250/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 9.76 mills (county-average millage, estimate)); Save Our Homes caps later increases at 3%/yr. |
|---|---|
| Home and flood insurance | The average Citizens Property Insurance premium in Walton County is $1,942/yr (433 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $3,000–$6,500/yr; neither is a quote. |
| Roof and age | Built in 2012. An original roof is about 14 years old: inside the 15-year window Florida carriers use, but ask for the roof's permit date before you bind coverage. |
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.
Walton County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
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.
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.
Internet & broadband
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
Pricing & the NATUREWALK AT SEAGROVE market
How this home is priced against recent nearby sales, and where NATUREWALK AT SEAGROVE has been over 25 years. Momentum Research analysis of Emerald Coast MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
Median sale price by year
12-month median closed price, 2013–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2014–2026. Now 34 (cold).
This home’s history
- 2012BuiltPer public record
- About Jul 2026Listed (per MLS)MLS reports 77 cumulative days on market as of October 16, 2026
- Aug 4, 2026First seen on movewithmomentum.comObserved at $1,065,000
- Aug 22, 2026Price cut$999,000 (-$66,000, -6.2%)
- NowUnder contractCurrently pending
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other 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.
Price & listing history
Building permits
Comparable recent sales
No closed sales of a similar home within about 10 miles in Walton County in the last 18 months are in our MLS data set, so this page shows no comparable-sales median or automated estimate for NATUREWALK AT SEAGROVE. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
Momentum Property Score
68/100 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.
Coverage: 4 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟠 Seller-leaning conditions around this listing. 2.5 months of supply in the surrounding market and 77 days on market for this home, against a 67-day area median.Days on market:this home 77Area median: 67 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.
22% of homes in NATUREWALK AT SEAGROVE are owner-occupied. An estimated 78% are non-owner-occupied, including 20% held in a company or trust and 67% 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), 255 homes matched. Community-level context.
Recent NATUREWALK AT SEAGROVE sales closed near 94.0% 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 7 active listings in NATUREWALK AT SEAGROVE, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 16, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Seen enough photos?
Want to see 24 Cinnamon Fern Lane?
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 Compass · MLS # 1005530
Request a showing
Similar homes for sale near NATUREWALK AT SEAGROVE
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.
Newest listings in Santa Rosa Beach
- 231 Wisteria Way, Santa Rosa Beach · $2,390,000 · 4 bd / 4.5 ba · listed October 15, 2026 (courtesy of Golden Coast Real Estate LLC)
- 381 Whispering Lake Drive, Santa Rosa Beach · $535,000 · 3 bd / 2.0 ba · listed October 14, 2026 (courtesy of Beach Blue Properties LLC)
- 11 Beachside Drive #Unit 1111, Santa Rosa Beach · $500,000 · 2 bd / 2.0 ba · listed October 14, 2026 (courtesy of Red Realty Beachside)
- 165 My Way, Santa Rosa Beach · $795,000 · 3 bd / 3.0 ba · listed October 14, 2026 (courtesy of Quinlan Group)
- 120 Kinley Avenue, Santa Rosa Beach · $499,900 · 3 bd / 2.0 ba · listed October 13, 2026 (courtesy of EXP Realty LLC)
- 165 Mason Avenue, Santa Rosa Beach · $1,500,000 · 5 bd / 6.0 ba · listed October 13, 2026 (courtesy of Live 30A Real Estate LLC)
Recently off market in NATUREWALK AT SEAGROVE
- 579 Sandgrass Boulevard · last listed $1,320,000 · 2026-10-02
- 689 Flatwoods Forest Loop · last listed $1,099,000 · 2026-09-27
- 268 Flatwoods Forest Loop · last listed $1,250,000 · 2026-09-24
- 40 Cinnamon Fern Lane · last listed $1,050,000 · 2026-09-19
- 50 Cinnamon Fern Lane · last listed $1,265,000 · 2026-09-12
- 1143 Sandgrass Boulevard · last listed $1,750,000 · 2026-09-12
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
More on NATUREWALK AT SEAGROVE
Go deeper on NATUREWALK AT SEAGROVE
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 →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Buyer research checklist
Items worth confirming for 24 Cinnamon Fern Lane, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2012: 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 $9,250/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $2,225 more per year than the current owner’s estimated bill (+32%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Data sources & freshness
| Listing record | Emerald Coast MLS, checked against the MLS hourly (last: October 16, 2026) |
| Comparable sales | Fewer than 3 defensible closed sales within about 10 miles in Walton County — no medians or automated estimate shown |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| Taxes & monthly cost | Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill |
| 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 24 Cinnamon Fern Lane and when was it built?
Per the listing record, 24 Cinnamon Fern Lane was built in 2012 and has 2 bedrooms and 2.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 24 Cinnamon Fern Lane in?
24 Cinnamon Fern Lane is in Naturewalk At Seagrove in Santa Rosa Beach, Walton County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
Why might property taxes on 24 Cinnamon Fern Lane differ from the current owner's?
The estimate on this page (about $9,250 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $2,225 more per year than the current owner’s estimated bill (+32%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 24 Cinnamon Fern 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.
See 24 Cinnamon Fern Lane in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Momentum Realty · licensed in FL & GA
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 county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) 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.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
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.