listed Mar 6, 2026Detached Single FamilyOpen house Sat, Nov 14, 12 PM–2 PM
$6,788,000
6-Bedroom Pool Home in BAY PINES
431 Pisces Drive, Santa Rosa Beach, FL 32459
Detached Single Family in BAY PINES, Santa Rosa Beach · Built 2025
BAY PINES · Santa Rosa Beach, FL 32459 · Walton County
Listing data checked against the MLS November 13, 2026 at 6:30 PM ET · rechecked hourly
Listed by Scenic Sotheby's International Realty (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
6Bedrooms
7Bathrooms
2025Year Built
WaterfrontPrivate pool3-car garage6 bedrooms
Open house
Sat, Nov 14, 12 PM–2 PM
Times per the listing broker in the MLS; confirm before you go. Updated hourly.
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
Strong buyer advantage
252 days on market
377.3 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone AE
Flood risk
Confirm requirements with FEMA; ~6 ft elevation
$16k–$32k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
431 Pisces Drive in Bay Pines, Santa Rosa Beach is listed at $6,788,000. That is 81% above Bay Pines's median closed sale of $3,750,000 over the last 12 months (25 recorded sales). It has been listed Mar 6, 2026, longer than the community's typical 27 days to contract. Listing facts: built in 2025, a private pool, waterfront. The parcel maps to FEMA flood zone AE, a special flood hazard area where lenders generally require flood insurance. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
Built 2025 · 1 yrs
3-car garage
listed Mar 6, 2026
Listing description
About this home
Expertly designed and built by Coastal Elements with architecture by Greg Jazayeri, 431 Pisces Drive is a newly completed bayfront estate where contemporary coastal design meets elevated craftsmanship. Set on over half an acre with 100+ feet of private water frontage, the home sits along a quiet cul-de-sac of just fourteen bayfront residences, offering private deep-water access, protected serenity, and effortless proximity to 30A, Destin, and Panama City Beach. From your private dock, mornings begin on a paddle board and weekends turn into spontaneous trips to the Gulf for offshore fishing, exploring sandbars, or boating to your favorite local restaurants at sunset.
From its earliest conception, the home was designed to live in dialogue with the land. Mature live oaks were intentionally preserved, framing the residence with a sense of permanence and authenticity. Smooth white stucco, streamlined rooflines, Brazilian hardwood accents, and large hand-placed concrete pavers create a clean, modern silhouette softened by the natural canopy around it.
The result is architecture that feels quietly timeless, rooted, and distinctly refined. Inside, the home unfolds with Venetian plaster walls, vaulted beam ceilings, custom white oak cabinetry, and hand-selected marble tile and countertops. The open living and dining spaces are anchored by panoramic bay views, connecting seamlessly to the covered veranda and pool terrace.
The kitchen features cabinet-finish premium appliances, a sculptural range wall, a refined butler's pantry, coffee bar, and generous storage designed for everyday livability and elevated hosting. The 6-bedroom layout includes all en-suite accommodations and 2 additional half baths, including one conveniently positioned for poolside use. The primary suite enjoys a private wing on the first level with vaulted white oak ceilings, dual custom closets, and a spa-caliber bath of Italian marble with a grand walk-in shower.
A wall of glass completes the room that captures sweeping bay views, allowing you to wake to glass-smooth water and step directly onto the veranda for quiet sunrise moments and a seamless connection to the outdoors. Upstairs, a secondary living room opens to a private balcony overlooking the water, accompanied by three guest suites. A detached carriage house and three-car garage allow for flexible living, privacy for guests, or dedicated space for lifestyle gear.
Outdoors, the estate is designed for both quiet reflection and memorable gatherings: a summer kitchen, bayfront fire feature, private dock ready to host a substantial vessel, a resort-style pool, and a separate fire pit lounge beneath the preserved live oaks. The curved brick paver driveway completes the sense of arrival. Here, the bay is a lifestyle, sunrise coffee on the veranda, effortless boating in the afternoons, evenings by the water with firelight and salt air.
All 48 photos
Description provided by Scenic Sotheby's International Realty 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 BAY PINES. 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$6,788,000
Bed / bath6 / 7
Year built2025
Property typeDetached Single Family
Garage3-car
PoolYes
MLS #997142
Listing statuslisted Mar 6, 2026
Public records & third-party data
FEMA flood zoneZone AE
Ground elevation~6 ft
CountyWalton
Area listings786 active · 169 under contract
Estimated first-year tax~$71,274/yr
CDD assessmentNone on record
HOANot reported
Calculated estimates
Estimated monthly payment$44,299
Insurance (illustrative)$16k–$32k/yr
Comparable-sales median$3,750,000
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
$44,299/mo
Principal & interest $36,531/mo82%
Taxes $5,940/mo13%
Insurance $1,829/mo4%
$44,299/mo at 20% down, 30-yr @ 7.11% · edit any field to update.
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$71,274/yr
Estimate: a typical Walton effective rate applied to the list price before any exemptions. Florida bills change with reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
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)
$16k–$32k/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 zone AE — confirm flood coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
Not reported
Not stated in the listing. Confirm with the listing agent or the county record; $0 is used in the payment estimate.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone AE
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Ground elevation
~6 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
2025BuiltPer public record
About Mar 2026Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (listed about Mar 6, 2026)
Aug 4, 2026First seen on our siteObserved at $6,788,000
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 $6,788,000Scenic Sotheby's International Realty · listed Mar 6, 2026
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Momentum Scores
Momentum Property Score
38/100
Strongest on: Pricing power (57), Flood safety (45)
0 limited50100 exceptional
38/100 is limited 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.
Affordability0
List price $6,788,000 vs the community median $3,750,000. Not a measure of personal affordability.
Flood safety45
FEMA Zone AE, ~6 ft elevation. Verify the parcel with FEMA.
Insurance cost45
From FEMA Zone AE and a 2025 build. Obtain a property-specific quote.
Market liquidity44
Community median 27 days on market, ~377.3 months of supply (12-month record).
Pricing power57
Recent sales closed at about 96.5% of original asking (~3.5% 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
🟢 Buyer-leaning conditions around this listing. 377.3 months of supply in the surrounding market and 252 days on market for this home, against a 27-day area median.Days on market:this home 252Area median: 27 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 November 9, 2026.
35% of homes in Walton County are owner-occupied. An estimated 65% are non-owner-occupied, including 25% held in a company or trust and 37% 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), 1984 homes matched. Community-level context.
Recent Walton County sales closed near 96.5% 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 November 9, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 786 active listings in Walton County, no CDD assessment.
Checked against the MLS November 13, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Scenic Sotheby's International Realty · MLS # 997142
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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.
Aug 2026 · Infrastructure
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 15 miles north of Zz Emeraldcoast Walton Unassigned, 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 16 miles northeast of Zz Emeraldcoast Walton Unassigned.
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)
GRADEA
Emerald CoastAssigned middle school · Walton County School District · Grade A (Florida DOE 2025-26)
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 431 Pisces Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2025: 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.
FEMA flood zone AE: lenders generally require flood insurance here — get an elevation certificate and a flood quote before the inspection period ends.
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.
Private pool: confirm the barrier or alarm meets the state residential pool safety code and ask for pump, heater, and resurfacing records.
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 $71,274/yr) assumes reassessment at the list price; the seller's current bill is not a guide 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 13, 2026)
Comparable sales
Comparable-sales estimate unavailable for this home right now — no medians or automated estimate shown
Typical county effective rate applied to the list price; 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 431 Pisces Drive and when was it built?
Per the listing record, 431 Pisces Drive was built in 2025 and has 6 bedrooms and 7.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 431 Pisces Drive in?
431 Pisces Drive is in Bay Pines 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 431 Pisces Drive differ from the current owner's?
The estimate on this page (about $71,274 per year) assumes reassessment at the list price less the homestead exemption. 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 431 Pisces Drive in a flood zone?
The FEMA flood map places this parcel in Zone AE, a special flood hazard area where lenders generally require flood insurance on a mortgaged purchase. Confirm the parcel's status with FEMA and your insurer, and ask for an elevation certificate.
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 Scenic Sotheby's International Realty
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.
