Detached Single Family in CYPRESS DUNES, Santa Rosa Beach · No CDD on record
CYPRESS DUNES · Santa Rosa Beach, FL 32459 · Walton County
Listing data checked against the MLS October 30, 2026 at 10:51 AM ET · rechecked hourly
Listed by On The Coast Real Estate Group (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
3Bedrooms
3.5Bathrooms
2015Year Built
No CDD on record
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.
Highlights
64 Gulf Walk in Cypress Dunes, Santa Rosa Beach is listed at $1,299,900. That is 56% below Cypress Dunes's median closed sale of $2,962,500 over the last 12 months (90 recorded sales). It came to market within the past week. Listing facts: built in 2015, HOA dues of $400/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2015 · 11 yrs
Active listing
HOA $400/mo (per listing)
Listing description
About this home
Beautifully Furnished Coastal Retreat in Cypress Dunes Welcome to this beautifully maintained, fully furnished 3-bedroom, 3.5-bath home in the desirable gated community of Cypress Dunes. Offering a spacious open-concept layout, a versatile loft, and an inviting sunroom with a fireplace, this unique property combines comfort, functionality, and relaxed coastal living. Upon entering, you'll find an expansive kitchen, dining, and living area designed for entertaining family and friends.
The kitchen features new stainless-steel appliances, abundant cabinetry, a walk-in pantry, and additional storage tucked beneath the stairs. The dining area comfortably accommodates eight, while the spacious living room offers plenty of seating for gathering and relaxing. Just off the living room, the sunroom--added in 2018--provides an exceptional additional living space with a fireplace, TV, and plenty of room to lounge.
A large hidden storage closet tucked behind the TV and fireplace offers even more convenience. Step outside to the grilling area and a charming seating space overlooking the neighborhood's peaceful green space, where you can unwind and enjoy the sounds of nature. The first floor also features the primary suite, a spacious retreat with a large walk-in closet and an en-suite bathroom complete with dual vanities and an oversized walk-in shower.
A conveniently located laundry room adds to the home's thoughtful design. Upstairs, two additional bedrooms each feature their own en-suit bathrooms and walk-in closets. One bedroom enjoys beautiful views of the surrounding trees and green space.
The versatile loft provides even more flexibility, making it ideal for a second TV room, home office, or additional sleeping space for guests. Outside, two parking spaces beneath a pergola provide convenient parking, while dedicated outdoor storage offers room for bicycles, beach toys, and other recreational essentials. All three bedrooms feature walk-in closets, and the home's position alongside the neighborhood green space creates a wonderful extension of the outdoor living experience.
This home has also benefited from numerous recent improvements. Both HVAC systems were replaced in 2025, the pergola was repaired and painted in 2025, and exterior paint was touched up in 2026. New exhaust fans and smoke detectors were installed in 2026, and the roof was inspected the same year.
The home is offered fully furnished, with a few exceptions. A six-passenger golf cart, originally purchased for nearly $20,000, is also available for negotiation. Cypress Dunes offers an exceptional community lifestyle, featuring two community pools--including an infinity-edge pool overlooking the Gulf--along with an amenities center, fireplace, fitness room, tennis courts, pickleball courts, walking trails, open green spaces, and beautiful cypress ponds surrounded by trees more than 100 years old.
With its generous living spaces, thoughtful storage, recent updates, and inviting indoor-outdoor lifestyle, this distinctive Cypress Dunes home is an ideal coastal retreat for enjoying time with family and friends.
All 89 photos
Description provided by On The Coast Real Estate Group and reproduced from the MLS; not independently verified.
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$1,299,900
Bed / bath3 / 3.5
Year built2015
Property typeDetached Single Family
MLS #1014573
Listing statusActive
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
CountyWalton
Area listings816 active · 172 under contract
Estimated first-year tax~$12,200/yr
CDD assessmentNone on record
HOA$400/mo
Calculated estimates
Estimated monthly payment$8,945
Insurance (illustrative)$4k–$8k/yr
Comparable-sales median$2,962,500
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
$8,945/mo
Principal & interest $7,087/mo79%
Taxes $1,017/mo11%
Insurance $441/mo5%
HOA $400/mo4%
$8,945/mo at 20% down, 30-yr @ 7.24% · edit any field to update.
Estimate: asking price less the $50,000 homestead exemption × Walton County rate (9.76 mills, county-average millage, 2025; verify with the property appraiser). Not a bill.
⚠️
Property taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Current owner’s estimated bill $10,200/yr ($850/mo) — taxable value $1,045,035 × 9.76 mills
$2,000 more each year
(+20%)
The current owner’s taxable value is below today’s asking price; after a sale the assessment is set from market value, so the estimated bill is higher. Exemptions and portability can reduce it.
$1,045,035
Market value
$1,045,035
Assessed
$1,045,035
Taxable
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Sources: Florida DOR certified tax roll (2025), Emerald Coast AR; millage: Florida TaxWatch 2025 How Florida Counties Compare (county-average millage); school portion estimated at ~42% of total, capped at 6.50 mills. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 64 Gulf Walk
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
Property tax
The current owner's bill is about $10,200/yr (certified county roll, taxable value × millage). Buy at the asking price of $1,299,900 and the first-year bill resets to about $12,200/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 9.76 mills (county-average millage, estimate)); Save Our Homes caps later increases at 3%/yr.
HOA dues
$400/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close.
Home and flood insurance
The average Citizens Property Insurance premium in Walton County is $1,942/yr (433 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $3,500–$7,500/yr; neither is a quote.
Roof and age
Built in 2015. An original roof is about 11 years old: inside the 15-year window Florida carriers use, but ask for the roof's permit date before you bind coverage.
Estimated carrying cost at the asking price, before the mortgage: about $1,578/month (tax $1,017, HOA $400, insurance $162). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$4k–$8k/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 not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
$400/mo
Per the MLS listing. Confirm exact dues and what they include with the association.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
Not on record
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.
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.
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.
Momentum Research · Walton County
Pricing & the Walton County market
How this home is priced against recent nearby sales, and where Walton County has been over 25 years. Momentum Research analysis of Emerald Coast MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
Median sale price by year
12-month median closed price, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 47 (normal).
Property timeline
This home’s history
2015BuiltPer public record
Oct 30, 2026First seen on movewithmomentum.comObserved at $1,299,900
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 $1,299,900Momentum Realty
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
No closed sales of a similar home within about 10 miles in Walton County in the last 18 months are in our MLS data set, so this page shows no comparable-sales median or automated estimate for CYPRESS DUNES. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
Momentum Scores
Momentum Property Score
70/100
Strongest on: Affordability (100), Pricing power (69)
0 limited50100 exceptional
70/100 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.
Affordability100
List price $1,299,900 vs the community median $2,962,500. Not a measure of personal affordability.
Market liquidity56
Community median 54 days on market (12-month record).
Pricing power69
Recent sales closed at about 94.2% of original asking (~5.8% below). More room below asking generally favors buyers.
Market timing53
Momentum Market Heat is 47/100 (normal). Cooler readings generally favor buyers; hotter readings favor sellers.
Coverage: 4 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
35% of homes in Walton County are owner-occupied. An estimated 65% are non-owner-occupied, including 26% held in a company or trust and 42% 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), 2738 homes matched. Community-level context.
Recent Walton County sales closed near 94.2% 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 816 active listings in Walton County, no CDD assessment.
Checked against the MLS October 30, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by On The Coast Real Estate Group · MLS # 1014573
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Keep looking
Similar homes for sale near CYPRESS DUNES
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.
Jul 2026 · Infrastructure
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.
Amenities and HOA/CDD detail on the neighborhood guide.
Before you decide
Buyer research checklist
Items worth confirming for 64 Gulf Walk, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2015: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
HOA dues are listed at $400/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
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 $12,200/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $2,000 more per year than the current owner’s estimated bill (+20%). 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: October 30, 2026)
Comparable sales
Fewer than 3 defensible closed sales within about 10 miles in Walton County — no medians or automated estimate shown
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
Taxes & monthly cost
Certified county tax roll (parcel-matched) × county millage; 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 64 Gulf Walk and when was it built?
Per the listing record, 64 Gulf Walk was built in 2015 and has 3 bedrooms and 3.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 64 Gulf Walk in?
64 Gulf Walk is in Cypress Dunes 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.
Does 64 Gulf Walk have an HOA, and how much are the dues?
The listing reports HOA dues of $400 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 64 Gulf Walk differ from the current owner's?
The estimate on this page (about $12,200 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $2,000 more per year than the current owner’s estimated bill (+20%). 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 64 Gulf Walk 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.
Ready when you are
See 64 Gulf Walk 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.
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.
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.
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.
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.
