297 Cassine Garden Circle, Santa Rosa Beach, FL 32459
Sources: Emerald Coast MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of September 24, 2026, 297 Cassine Garden Circle in Cassine Village, Santa Rosa Beach is listed at $1,099,000. That sits within a few percent of Cassine Village's median closed sale of $1,087,500 over the last 12 months (4 recorded sales). It came to market within the past week. Listing facts: built in 2014. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 2014 · 12 yrs
- New to market
- HOA ~$50/mo (estimate; confirm)
This home’s history
- 2014BuiltPer public record
- Sep 24, 2026First trackedObserved at $1,099,000
- 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.
Estimated monthly payment
- Principal & interest $5,820/mo 81%
- Taxes $962/mo 13%
- Insurance $381/mo 5%
- HOA $50/mo 1%
$7,212/mo at 20% down, 30-yr @ 6.95% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Based on certified county tax rollMany first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget 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 doesn’t transfer to a new buyer.
Adjust for your exemptions, portability, and down payment
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 Property Score
57/100 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.
The Momentum read
🟠 Seller-leaning conditions around this listing. 6.0 months of supply in the surrounding market and 1 days on market for this home, against a 241-day area median.Days on market:this home 1Area median: 241 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.
23% of homes in CASSINE VILLAGE are owner-occupied. An estimated 77% are non-owner-occupied, including 23% 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), 73 homes matched. Community-level context.
Recent CASSINE VILLAGE sales closed near 88.2% 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 CASSINE VILLAGE, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated September 24, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
Welcome to this meticulously cared-for, original-owner beach cottage in Cassine Village--a private, nature-surrounded community located on Scenic 30A. Appropriately named ''The Lily Pad'' after the beautiful lily pads in the community lake. Built in 2014 by Greg Goodwin Construction, this one-story home is being sold completely furnished and rental ready.
Featuring 3-bedrooms, 2-bathrooms, offering 1,552 square feet on a .13-acre lot in Seagrove Beach. The inviting front porch features a large porch swing and the exterior of the home has been freshly painted. The 32-foot-by-10-foot screened back porch overlooks a Cypress grove, creating a wonderfully secluded setting for relaxing after a day at the beach!
Exterior features include an outdoor shower, rear brick paver sitting area, exterior bike rack, large outdoor storage, a 220v fast charger, and a ramp from the driveway to the back porch for ease in taking your cooler to the beach! Inside, wire-brushed oak hardwood flooring runs throughout the home. Eight-foot doors with two-foot transom windows add architectural character, while glass French doors separate the living area from the bedrooms.
The living room is spacious and has a fireplace. The kitchen includes ceiling-height cabinetry with lighted glass-front upper cabinets, a pantry, new white quartz countertops, new backsplash, new pendant lighting, new refrigerator, and a new dishwasher. The primary bathroom was completely renovated with new tile in shower, new tile flooring, quartz countertops, mirrors, vanity lights and new hardware.
Storage is plentiful, with plywood flooring in the attic storage area, linen closets in both bathrooms, storage above every bedroom closet, a large owner's closet with keypad entry equipped with wood shelving stocked with extra linens and cleaning supplies that convey. The home is insulated with spray foam in both the attic and walls. The HVAC system was replaced in July 2022 and includes a REME Halo whole-home air purifier; its UV cell was replaced in June 2026.
The water heater and washer/dryer were replaced in 2021. A transferable termite bond is in place. Cassine Village offers low HOA fees of $1440 per year and a relaxed, beach-oriented lifestyle.
The community is short-term-rental friendly, with a one-week minimum rental period. Pet friendly and Low speed vehicles are allowed as well. Amenities include two tennis courts, nature trails through Cypress ponds, a lake with a water feature, and a basketball area, with a pedestrian walk-through to Scenic 30A.
Cassine Village adjoins Point Washington State Forest, with biking and hiking trails that wind through the forest. Beach access is exceptionally convenient. Public Beach Access #13 is across Scenic 30A beside One Seagrove Place Condominiums, while the newly built Public Beach Access #14 is also nearby and includes parking, public restrooms, and bike racks.
Three additional beach accesses also in Seagrove, making it easy to enjoy the sugar-white sand and Gulf waters whenever the mood strikes. Step out to Scenic 30A on to the Timpoochee Trail bike path that provides easy access to beach life by bike or on foot. This paved, mostly flat, 19-mile multi-use path runs alongside 30A through twelve South Walton beach communities, connecting riders to beach accesses, coastal dune lakes, state parks, restaurants, shops, and town centers.
From the home, Seaside is approximately one mile away--an easy bike ride along the trail to Central Square, Airstream Row, boutique shopping, dining, and the iconic Seaside beach atmosphere. Next to Seaside is WaterColor or farther East is Grayton Beach, and Blue Mountain Beach. Ride east to explore WaterSound.
In addition to its public beach accesses, the area is known for rare coastal dune lakes, including Eastern Lake and Deer Lake. Deer Lake State Park spans 1,912 acres and offers a long boardwalk leading to a secluded beach. Nearby local favorites include Café Thirty-A, Seagrove Village Market Café, The Surfi…
All 85 photos
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 CASSINE VILLAGE
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
- 108 Loblolly Bay Drive, Santa Rosa Beach · $450,000 · 3 bd / 2.0 ba · listed September 22, 2026 (courtesy of World Impact Real Estate)
- 33 Rue Du Soleil, Santa Rosa Beach · $2,950,000 · 5 bd / 4.5 ba · listed September 22, 2026 (courtesy of 30A Local Real Estate)
- 83 S Lake Drive, Santa Rosa Beach · $3,250,000 · 4 bd / 3.5 ba · listed September 22, 2026 (courtesy of Inlet Beach Real Estate)
- 4100 E Co Highway 30A ##1404, Santa Rosa Beach · $1,040,000 · 2 bd / 2.0 ba · listed September 22, 2026 (courtesy of Scenic Real Estate)
- 41 Riker Avenue, Santa Rosa Beach · $699,950 · 3 bd / 2.5 ba · listed September 22, 2026 (courtesy of Inlet Beach Real Estate)
- 167 Oyster Lake Drive, Santa Rosa Beach · $1,950,000 · 4 bd / 5.0 ba · listed September 22, 2026 (courtesy of Corcoran Reverie SRB)
Price & listing history
Building permits
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.
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; confirm availability at the address.
Xfinity/Spectrum cable broadband is widely available.
T-Mobile / Verizon fixed-wireless as a backup option.
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Listed by Scenic Sotheby's International Realty · MLS # 1012603
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Recent sales activity in CASSINE VILLAGE
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 CASSINE VILLAGE 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 CASSINE VILLAGE
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
Items worth confirming for 297 Cassine Garden Circle, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2014: 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 $11,540/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.
Approximate distances
Approximate drive times for general reference only.
Data sources & freshness
| Listing record | Emerald Coast MLS, refreshed twice daily (last: September 24, 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.
Frequently asked questions
How big is 297 Cassine Garden Circle and when was it built?
Per the listing record, 297 Cassine Garden Circle was built in 2014 and has 3 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 297 Cassine Garden Circle in?
297 Cassine Garden Circle is in Cassine Village in Santa Rosa Beach, Walton County. The community section on this page shows recent closed sales, days on market, and active inventory for Cassine Village from the same MLS data.
Why might property taxes on 297 Cassine Garden Circle differ from the current owner's?
The estimate on this page (about $11,540 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 297 Cassine Garden Circle 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.
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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.
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.