527 Ridge Road, 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 25, 2026, 527 Ridge Road in Santa Rosa Ridge Unit 2, Santa Rosa Beach is listed at $899,000. That is 46% below Santa Rosa Ridge Unit 2's median closed sale of $1,650,000 over the last 12 months (6 recorded sales). It has been 87 days on market. Listing facts: built in 1976. 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.
- No CDD assessment on record
- Built 1976 · 50 yrs
- Garage
- 87 days on market
- HOA ~$50/mo (estimate; confirm)
This home’s history
- 1976BuiltPer public record
- Aug 4, 2026First trackedObserved at $939,000
- Sep 10, 2026Price cut$899,000
- 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 $4,761/mo 78%
- Taxes $787/mo 13%
- Insurance $488/mo 8%
- HOA $50/mo 1%
$6,085/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
68/100 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
🟢 Buyer-leaning conditions around this listing. 8.0 months of supply in the surrounding market and 87 days on market for this home, against a 72-day area median.Days on market:this home 87Area median: 72 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.
63% of homes in Santa Rosa Ridge are owner-occupied. An estimated 37% are non-owner-occupied, including 10% held in a company or trust and 12% 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), 93 homes matched. Community-level context.
Recent Santa Rosa Ridge sales closed near 95.0% 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 4 active listings in Santa Rosa Ridge, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated September 25, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
Located a short distance to the beach and sitting on a rare 1/3-acre lot with no HOA, this is your canvas for a private coastal oasis -- and the heavy lifting is already done. Welcome to Santa Rosa Ridge, one of the West End of 30A's best-kept secrets. Priced $136K under the most recent appraisal, this charming coastal cottage has been fully reimagined with a complete remodel down to the studs in 2016.
That's instant equity from day one! The whole house renovation included: new electrical, plumbing, whole-home tankless water heater, full attic and wall insulation, drywall, AC ductwork with two added returns, new roof, moisture barrier, and exterior siding. Inside, a designer kitchen was reimagined featuring quartz countertops, stainless appliances, open shelving, and an oversized island.
Three bathrooms were fully renovated with new cabinetry and luxury tile added throughout. The primary ensuite is a calm retreat with a private bath, barn doors, and a mid-century modern warmth. Two additional guests rooms share access to a spacious hallway bath with glass enclosed shower.
The attached garage offers exceptional flexibility -- currently configured as a private guest suite or lock-out apartment with a mini kitchenette and full bath, ideal for multi-generational living or hosting. Outside is where the vision comes to life with an oversized deck and room to add a custom pool or detached carriage house, this private oasis is perfect to relax and enjoy after a long day at the beac Half a mile from the Gulf and sitting on a rare 1/3-acre lot with no HOA, this is your canvas for a private coastal oasis -- and the heavy lifting is already done. Welcome to Santa Rosa Ridge, one of the West End of 30A's best-kept secrets.
This 3-bedroom, 3-bath coastal cottage (with flex space) is offered fully-furnished and fully reimagined with a complete remodel down to the studs in 2016. The whole house renovation included: new electrical, plumbing, whole-home tankless water heater, full attic and wall insulation, drywall, AC ductwork with two added returns, new roof, moisture barrier, and exterior siding. Inside, a designer kitchen was reimagined and features quartz countertops, stainless appliances, open shelving, and an oversized island.
Three bathrooms were fully renovated with new cabinetry and luxury tile added throughout. The primary ensuite is a calm retreat with a private bath, barn doors, and a mid-century modern warmth. Two additional guests rooms share access to a spacious hallway bath with glass enclosed shower.
The attached garage offers exceptional flexibility -- currently configured as a private guest suite or lock-out apartment with a mini kitchenette and full bath, ideal for multi-generational living or hosting. Outside is where the vision comes to life with an oversized deck and room to add a custom pool or detached carriage house, this private oasis is perfect to relax and enjoy after a long day at the beach. Completing the outdoor space is a detached greenhouse, RV hookup and 10x16 outdoor shed.
pool estimate available upon request. This coastal cottage in a non-HOA community this close to the pristine beaches of 30A offers incredible investment potential as a primary home, vacation residence or long-term rental opportunity. Turnkey, non-HOA, and minutes from the beach, golf, and the west end of 30A's best dining and charming boutiques.
All 43 photos
Description provided by Christies International Real Estate Emerald Coast 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 SANTA ROSA RIDGE UNIT 2
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
- 874 Cocobolo Drive, Santa Rosa Beach · $549,000 · 4 bd / 2.0 ba · listed September 23, 2026 (courtesy of Keller Williams Realty SRB)
- 129 Edens Landing Circle, Santa Rosa Beach · $649,000 · 3 bd / 3.0 ba · listed September 23, 2026 (courtesy of Berkshire Hathaway HomeServices)
- 305 Elm Street, Santa Rosa Beach · $2,049,000 · 5 bd / 4.5 ba · listed September 23, 2026 (courtesy of Compass)
- 313 Morgans Trail, Santa Rosa Beach · $1,539,000 · 3 bd / 3.5 ba · listed September 23, 2026 (courtesy of Corcoran Reverie SRB)
- 19 Eagle Haven Drive, Santa Rosa Beach · $550,000 · 3 bd / 2.0 ba · listed September 23, 2026 (courtesy of EXP Realty LLC)
- 297 Cassine Garden Circle, Santa Rosa Beach · $1,099,000 · 3 bd / 2.0 ba · listed September 23, 2026 (courtesy of Scenic Sotheby's International Realty)
Recently off market in SANTA ROSA RIDGE UNIT 2
- 640 Ridge Road · last listed $949,000 · 2026-09-23
- 510 Ridge Road · last listed $2,499,999 · 2026-09-12
- 10 Fairway Drive · last listed $1,250,000 · 2026-09-12
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; 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 Christies International Real Estate Emerald Coast · MLS # 1006645
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Recent sales activity in SANTA ROSA RIDGE UNIT 2
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 SANTA ROSA RIDGE UNIT 2 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 SANTA ROSA RIDGE UNIT 2
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 527 Ridge Road, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1976 (50 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- Confirm whether a mandatory HOA applies to this parcel and what it charges.
- 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 $9,440/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 25, 2026) |
| Community market stats | Emerald Coast MLS closed sales, as of September 20, 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 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 527 Ridge Road and when was it built?
Per the listing record, 527 Ridge Road was built in 1976 and has 4 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 527 Ridge Road in?
527 Ridge Road is in Santa Rosa Ridge Unit 2 in Santa Rosa Beach, Walton County. The community section on this page shows recent closed sales, days on market, and active inventory for Santa Rosa Ridge Unit 2 from the same MLS data.
Why might property taxes on 527 Ridge Road differ from the current owner's?
The estimate on this page (about $9,440 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 527 Ridge 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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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.