34 Chivas Lane ## 104C, 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 12, 2026, 34 Chivas Lane ## 104C in Dunes Of Seagrove, Santa Rosa Beach is listed at $975,000. That sits within a few percent of Dunes Of Seagrove's median closed sale of $975,000 over the last 12 months (2 recorded sales). It has been 64 days on market. Listing facts: built in 2002, waterfront. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 2002 · 24 yrs
- 1-car garage
- 64 days on market
- HOA ~$50/mo (estimate; confirm)
This home’s history
- 2002BuiltPer public record
- Aug 4, 2026First trackedObserved at $975,000
- 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 $5,064/mo 79%
- Taxes $853/mo 13%
- Insurance $420/mo 7%
- HOA $50/mo 1%
$6,387/mo at 20% down, 30-yr @ 6.76% · 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
42/100 is below average 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
🟢 Buyer-leaning conditions around this listing. 30.0 months of supply in the surrounding market and 64 days on market for this home, against a 52-day area median.Days on market:this home 64Area median: 52 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 12, 2026.
What’s unique here: one of only 5 active listings in DUNES OF SEAGROVE, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated September 12, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
Following an extensive, property-wide transformation completed over the past 10 months, Dunes of Seagrove has emerged fresh, modern, reimagined and now officially open for owners and guests ready to make new memories! With approximately $58,000 in seller-paid assessments fully satisfied, this offering delivers immediate value and peace of mind within a comprehensively upgraded coastal community. Nearly all improvements have been completed, with only final landscaping enhancements and select exterior railing paintwork remaining--positioning the property to soon present as fully refreshed and fortified against the elements, without the delays of ongoing construction.
This is a rare opportunity to step directly into peak summer rental demand and capitalize on the strong fall season, making the timing as compelling as the value itself! Encompassing approximately 300 feet of Gulf frontage across acres of prime, protected coastal land, Dunes of Seagrove is a true low-density community with just 81 residences across 3 buildings--an increasingly rare offering along 30A, particularly at this price point. This expansive footprint creates a sense of space, privacy, and exclusivity that is seldom found, while still delivering direct access to the Gulf's emerald waters.
Perfectly positioned in the center of Building C, this elevated residence enjoys one of the most desirable vantage points in the community--offering beautifully framed views without visual encumbrances. Its central orientation provides effortless access to amenities while maintaining a sense of privacy and tranquility, enhanced by the community's low-rise design. Here, residents enjoy a more exclusive coastal experience without compromising the sweeping Gulf views and open sightlines that define 30A living.
A rare, deeded covered parking space, and virtually zero elevator wait time makes this the perfect primary, or secondary home! The residence itself has been thoughtfully renovated to deliver a truly turnkey experience. A comprehensive 2020 interior transformation includes updated flooring, fully renovated bathrooms, an upgraded kitchen with new countertops and appliances, modern fixtures, and all-new furnishings throughout.
Additional improvements include new plumbing and fixtures, a brand-new water heater, and a recently replaced HVAC system (October 2024). Designed for both personal enjoyment and investment performance, the spacious two-bedroom layout presents a proven, income-producing opportunity within one of 30A's most desirable Gulf-front communities. It offers an unforgettable coastal experience that leaves a lasting sense of place--one that naturally calls guests, friends, and family back time and time again.
Beyond the residence, the building has undergone significant capital improvements, including full waterproofing, new impact-rated windows and doors, updated railings, and fresh exterior paint--ensuring long-term structural integrity and lasting quality. Ongoing enhancements, including new landscaping and pool area refinements, will further elevate the community, offering the feel of a newly completed resort without the extended timeline. Ideally located along Scenic Highway 30A, the setting is both rare and irreplaceable--placing you just moments from private beach access to the Gulf's emerald waters, as well as the unique beauty of Eastern Lake and the protected expanse of Deer Lake State Park.
Renowned dining destinations including Café Thirty-A, Perfect Pig, and Old Florida Fish House with music and entertainment are all within easy reach by bike or foot, allowing for a truly connected coastal lifestyle. Residents of Dunes of Seagrove enjoy an impressive suite of resort-style amenities, including a 7,500-square-foot multi-level lagoon pool with waterfall, hot tub, expansive sundecks, tennis and pickleball courts, fitness center, sauna, steam room, EV charging, and a welcoming lobby with gathering spaces. Combined with private beach access and …
Description provided by A List Beach Realty LLC 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 DUNES OF 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.
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.
Seen enough photos?
Want to see 34 Chivas Lane ## 104C?
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 A List Beach Realty LLC · MLS # 1007402
Request a showing
Recent sales activity in DUNES OF SEAGROVE
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 DUNES OF SEAGROVE 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 DUNES OF 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 →
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 34 Chivas Lane ## 104C, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2002 (24 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.
- Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
- 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 $10,238/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.
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 | Emerald Coast MLS, refreshed twice daily (last: September 12, 2026) |
| Community market stats | Emerald Coast MLS closed sales, as of September 12, 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 34 Chivas Lane ## 104C and when was it built?
Per the listing record, 34 Chivas Lane ## 104C was built in 2002 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 34 Chivas Lane ## 104C in?
34 Chivas Lane ## 104C is in Dunes Of Seagrove in Santa Rosa Beach, Walton County. The community section on this page shows recent closed sales, days on market, and active inventory for Dunes Of Seagrove from the same MLS data.
Why might property taxes on 34 Chivas Lane ## 104C differ from the current owner's?
The estimate on this page (about $10,238 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 34 Chivas Lane ## 104C 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 34 Chivas Lane ## 104C 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 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.