274 White Cottage Road, Santa Rosa Beach, FL 32459
Detached Single Family in Cottage Grove, Santa Rosa Beach · Built 2021
Cottage Grove · Santa Rosa Beach, FL 32459 · Walton County
Listing data checked against the MLS November 9, 2026 at 9:30 PM ET · rechecked hourly
Listed by Watersound Real Estate (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
3Bedrooms
3.5Bathrooms
2021Year Built
1-car garageFEMA Zone X
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
Buyer leverage
Seller-leaning
21 days on market
1.5 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~24 ft elevation
$3k–$6k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
274 White Cottage Road in Cottage Grove, Santa Rosa Beach is listed at $1,275,000. That sits within a few percent of Cottage Grove's median closed sale of $1,237,500 over the last 12 months (8 recorded sales). It has been listed Oct 19, 2026, longer than the community's typical 3 days to contract. Listing facts: built in 2021, HOA dues of $356/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
Built 2021 · 5 yrs
1-car garage
listed Oct 19, 2026
HOA $356/mo (per listing)
Listing description
About this home
Coastal Home | Pond Views | Gated Community | Cottage Grove | Santa Rosa Beach | 30A | Built by respected local builder Key Lime Construction, this meticulously maintained 3-bedroom, 3.5-bath home is tucked within Cottage Grove, a gated residential community in Santa Rosa Beach, Florida, known for its serene setting, privacy, and thoughtfully designed homes. Positioned directly in front of the neighborhood pond and fountain, the property offers a peaceful coastal retreat just minutes from the white sand beaches of the Emerald Coast and the restaurants, shopping, and local favorites of Gulf Place, including Shunk Gulley Oyster Bar. For buyers seeking a beautifully crafted home near 30A without the constant turnover of a short-term rental neighborhood, Cottage Grove offers an appealing balance of tranquility, quality, and coastal convenience.
Inside, timeless coastal finishes and thoughtful details create a warm, inviting atmosphere. Hardwood floors, white shiplap walls and accents, and a metal roof reflect the home's distinctive character and quality craftsmanship. The open-concept main level connects the living room, dining area, and kitchen, creating a natural flow for everyday living and entertaining.
Dual entry doors welcome you into a spacious living room featuring a gas fireplace and mounted television, while a dedicated office with built-in library shelving offers an ideal space for working from home. A conveniently located half bath completes the main level. The kitchen serves as the heart of the home, featuring a large kitchen island, beautiful white marble countertops, a Wolf range with six gas burners, and a custom vent hood accented with shiplap.
With generous counter space and an open connection to the dining and living areas, the kitchen is designed for both everyday living and entertaining, combining functionality with timeless coastal style. Upstairs, all three bedrooms provide comfortable accommodations and a thoughtfully designed layout. The primary suite overlooks the neighborhood pond and fountain, with a private balcony that offers a peaceful spot to enjoy morning coffee or unwind at the end of the day.
The spacious primary bathroom features a grand walk-in closet, dual vanities with marble countertops, and an open walk-in shower. The first guest bedroom includes its own private bathroom, while the second guest bedroom features a shiplap accent wall and convenient access to an additional full bathroom. Outdoor living continues with a screened-in porch and a private, fenced backyard complete with a fire pit, creating inviting spaces to relax and enjoy the coastal climate.
The front porch, complete with a swinging bench, offers another quiet place to unwind. Residents also enjoy access to the neighborhood swimming pool, while the pond and fountain directly across from the home enhance the peaceful setting. Cottage Grove stands out among Santa Rosa Beach neighborhoods for its gated entry, residential atmosphere, and convenient location near the beach.
Short-term rentals are not permitted, making this an attractive option for buyers seeking a primary residence or second home in a quiet, established community close to the best of South Walton. Located minutes from Gulf Place, Shunk Gulley Oyster Bar, the beaches of Scenic Highway 30A, and the surrounding coastal communities, this home places the Santa Rosa Beach lifestyle within easy reach. From beach days and Gulf-front dining to relaxing evenings in a private backyard, this Cottage Grove property combines local craftsmanship, distinctive coastal finishes, and a serene neighborhood setting in one compelling offering.
3 BR | 3.5 BA | Cottage Grove | Santa Rosa Beach | Walton County, Florida | Key Lime Construction | Gated Community | Pond and Fountain Views | Community Pool | Metal Roof | Hardwood Floors | Shiplap Accents | Large Kitchen Island | White Marble Countertops | Wolf Range | Gas Fireplace | Dedicated Home Office | Built-In Library Shelvi…
All 45 photos
Description provided by Watersound Real Estate and reproduced from the MLS; not independently verified.
Comparable closed sales for this home are unavailable right now, so this page shows no comparable-sales median or automated estimate for Cottage Grove. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
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$1,275,000
Bed / bath3 / 3.5
Year built2021
Property typeDetached Single Family
Garage1-car
MLS #1013953
Listing statuslisted Oct 19, 2026
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~24 ft
CountyWalton
Area listings1 active · 0 under contract
Estimated first-year tax~$11,950/yr
CDD assessmentNone on record
HOA$356/mo
Calculated estimates
Estimated monthly payment$8,641
Insurance (illustrative)$3k–$6k/yr
Comparable-sales median$1,237,500
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
Financing
Estimated monthly payment
$8,641/mo
Principal & interest $6,910/mo80%
Taxes $996/mo12%
Insurance $379/mo4%
HOA $356/mo4%
$8,641/mo at 20% down, 30-yr @ 7.18% · edit any field to update.
Estimate: asking price less the $50,000 homestead exemption × Walton County rate (9.76 mills, county-average millage, 2025; verify with the property appraiser). Not a bill.
⚠️
Property 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.
Current owner’s estimated bill $6,300/yr ($525/mo) — taxable value $646,316 × 9.76 mills
$5,650 more each year
(+90%)
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.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$270,162
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.
$916,478
Market value
$697,038
Assessed
$646,316
Taxable
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.
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 274 White Cottage Road
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 $6,300/yr (certified county roll, taxable value × millage). Buy at the asking price of $1,275,000 and the first-year bill resets to about $11,950/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.
HOA dues
$356/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close.
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. Flood: this address maps to FEMA zone X, outside the high-risk zone; flood insurance is optional but most lenders and insurers recommend it. Statewide, a zone X flood policy runs about $500–$700/yr (FEMA Risk Rating 2.0 averages, not a quote).
Roof and age
Built in 2021. A newer roof and current wind-mitigation features usually mean the lower end of insurance quotes; ask for the wind-mitigation form.
Estimated carrying cost at the asking price, before the mortgage: about $1,514/month (tax $996, HOA $356, insurance $162). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
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.
CDD assessment
Not reported
The MLS listing does not report a CDD amount. Many Florida communities have one; it shows on the county tax bill — confirm with the tax collector or the listing agent.
Insurance (illustrative range)
$3k–$6k/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 insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
$356/mo
Per the MLS listing. Confirm exact dues and what they include with the association.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~24 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
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.
County hazard risk ratings (FEMA National Risk Index, county level)
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.
Internet & broadband — how to check availability for this address
Connectivity
Internet & broadband
Fiber
Check availability
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
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Property timeline
This home’s history
2021BuiltPer public record
About Oct 2026Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (listed about Oct 19, 2026)
Oct 19, 2026First seen on our siteObserved at $1,275,000
NowActiveCurrently for sale
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.
Transparency
Price & listing history
Listed for $1,275,000Watersound Real Estate · listed Oct 19, 2026
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Momentum Scores
Momentum Property Score
70/100
Strongest on: Flood safety (95), Market liquidity (90)
0 limited50100 exceptional
70/100 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.
Affordability45
List price $1,275,000 vs the community median $1,237,500. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~24 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2021 build. Obtain a property-specific quote.
Market liquidity90
Community median 4 days on market, ~1.5 months of supply (12-month record).
Pricing power42
Recent sales closed at about 99.7% of original asking (~0.3% below). More room below asking generally favors buyers.
Coverage: 5 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.
Momentum Research
The Momentum read
🟠 Seller-leaning conditions around this listing. 1.5 months of supply in the surrounding market and 21 days on market for this home, against a 4-day area median.Days on market:this home 21Area median: 4 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.
66% of homes in COTTAGE GROVE are owner-occupied. An estimated 34% are non-owner-occupied, including 5% held in a company or trust and 29% 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), 38 homes matched. Community-level context.
Recent COTTAGE GROVE sales closed near 99.7% 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 1 active listings in COTTAGE GROVE, no CDD assessment.
Checked against the MLS November 9, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Watersound Real Estate · MLS # 1013953
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Keep looking
Similar homes for sale near Cottage Grove
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.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Oct 2026 · Development
DeFuniak Springs tactical training firm plans campus expansion after multimillion-dollar contracts
Stronghold Test & Training Center, on a 50-acre campus at 150 Warfighter Way, plans a new complex with secure vaults, classrooms, offices and a 3D-printing prototyping bay. The company cites a $21 million Navy contract through 2030 and other federal awards; no cost, timeline or job count was given.
Why it matters: Defense-linked contracting growth near Eglin and Hurlburt supports employer activity and specialized jobs in the DeFuniak Springs area. The project is about 28 miles north of Cottage Grove, elsewhere in Walton County.
Walton commissioners approve up to $4.69 million Westbay Parkway design contract
At its August 17, 2026 meeting, the Walton County Board of County Commissioners approved, on the consent agenda, a contract with Mott MacDonald for Westbay Parkway design not to exceed $4,693,502.38. The same agenda included a $184,117 Dewberry task order for the Santa Clara Regional Beach Access Bramble Grove addition.
Why it matters: Design work on Westbay Parkway is an early step toward added road capacity in western Walton County. The project is about 12 miles north of Cottage Grove, elsewhere in Walton County.
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 12 miles north of Cottage Grove.
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.
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)
BayAssigned middle school · Walton County School District
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 →
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 274 White Cottage Road, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2021: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
HOA dues are listed at $356/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
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 $11,950/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $5,650 more per year than the current owner’s estimated bill (+90%). 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.
Provenance
Data sources & freshness
Listing record
Emerald Coast MLS, checked against the MLS hourly (last: November 9, 2026)
Comparable sales
Comparable-sales estimate unavailable for this home right now — no medians or automated estimate shown
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
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.
Answered before you ask
Frequently asked questions
How big is 274 White Cottage Road and when was it built?
Per the listing record, 274 White Cottage Road was built in 2021 and has 3 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 274 White Cottage Road in?
274 White Cottage Road is in Cottage Grove 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.
Does 274 White Cottage Road have an HOA, and how much are the dues?
The listing reports HOA dues of $356 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 274 White Cottage Road differ from the current owner's?
The estimate on this page (about $11,950 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $5,650 more per year than the current owner’s estimated bill (+90%). 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 274 White Cottage Road in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; 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.
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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 jon@movewithmomentum.com and we will review and correct or remove it promptly.
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.
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.
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1 / 1 photosListing courtesy of Watersound Real Estate
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
