34 Chivas Lane ## 104C, Santa Rosa Beach, FL 32459
Sources: realMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
- No CDD assessment on record
- Built 2002 · 24 yrs
- 1-car garage
- 15 days on market
- HOA ~$50/mo (estimate; confirm)
This home’s history
- 2002BuiltPer public record
- 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 $4,940/mo 79%
- Taxes $853/mo 14%
- Insurance $420/mo 7%
- HOA $50/mo 1%
$6,263/mo at 20% down, 30-yr @ 6.52% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Momentum Property Score
79/100 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.
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.
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.
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Approximate parcel elevation from USGS. Run --online for a live reading.
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. Run --online or confirm at the address.
Xfinity/Spectrum cable broadband is widely available.
T-Mobile / Verizon fixed-wireless as a backup option.
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
A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.
- Confirm roof age and condition during inspection.
- Confirm HVAC age and condition during inspection.
- Request current HOA documents before relying on dues or restrictions.
- Obtain an insurance quote for this specific property.
- Confirm school zoning directly with the district.
- Order a survey to confirm lot boundaries.
- Review permit history with the county.
- Confirm whether flood insurance is required for this parcel.
- Confirm square footage and room dimensions independently.
- Ask the county how property taxes may change after a sale.
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 | realMLS, refreshed twice daily (last: July 26, 2026) |
| Community market stats | realMLS closed sales, as of July 25, 2026 |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone X shown above) |
| 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 realMLS 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
Why might my property taxes differ from the current owner's?
Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result 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.
Where does the flood-zone information come from?
The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. 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.
See 34 Chivas Lane ## 104C in person
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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.
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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.