732 E Mack Bayou Drive #Apt 2, Santa Rosa Beach, FL 32459
Sources: Emerald Coast MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 3, 2026, 732 E Mack Bayou Drive #APT 2 in Stonegate Villas Townhomes, Santa Rosa Beach is listed at $247,500. It has been 147 days on market. Listing facts: built in 2005. 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 2005 · 21 yrs
- 1-car garage
- 147 days on market
About this home
$5,000 BUYER CREDIT! An affordable opportunity to own a 3-bedroom townhome less than 10 minutes from the beaches of Scenic 30A! Whether you're ready to make the move from renting to owning or simply looking for a low-maintenance home in a convenient Santa Rosa Beach location, this spacious townhome offers exceptional value.
With 1,456 square feet, 3 bedrooms, 3 baths and an attached garage, there is plenty of room to live, work and enjoy the Florida lifestyle. The open living and dining areas feature easy-care flooring with no carpet, while the oversized primary suite offers a large walk-in closet and private bath. A newer roof (2022) adds peace of mind.
Step outside to the private back deck overlooking a wooded buffer with no homes directly behind you, or enjoy the neighborhood community pool. With an HOA of just $295 per month, including grounds maintenance, recreational facilities and trash, ownership is simple and manageable. Conveniently located near Publix, Sacred Heart Hospital, shopping, dining and entertainment--and just minutes from 30A and the Gulf of Mexico--this home puts everyday conveniences and the beach lifestyle within easy reach.
Residents enjoy access to a community pool, a highly desirable location close to shopping, dining, Publix, Ascension Sacred Heart Hospital, and movie theater. Conveniently located near 30A beaches, this Florida townhome offers easy living with minimal upkeep in one of the area's most sought-after locations. No additional grounds keeping or pool maintenance expenses as they are included in the manageable HOA of $295/mo.
For investors, there is currently a tenant in place at $2200/mo
All 43 photos
Description provided by Coldwell Banker Realty 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
Estimated monthly payment
- Principal & interest $1,355/mo 84%
- Taxes $160/mo 10%
- Insurance $101/mo 6%
$1,616/mo at 20% down, 30-yr @ 7.28% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Certified tax roll · county-average rateThe current taxable value ($248,124) is above the asking price. After a sale the assessment is typically set from market value, which here would be lower than the current taxable value, so the estimate is lower. Confirm with the county property appraiser — the appraiser, not the sale price, sets the assessment.
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.
Estimate my property taxes →Adjust for your exemptions, portability, and down payment
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.
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.
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.
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.
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
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 broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
This home’s history
- 2005BuiltPer public record
- About May 2026Listed (per MLS)MLS reports 147 cumulative days on market as of October 3, 2026
- Aug 4, 2026First seen on movewithmomentum.comObserved at $275,000
- Aug 12, 2026Price cut$260,000 (-$15,000, -5.5%)
- Aug 18, 2026Price cut$257,900 (-$2,100, -0.8%)
- Sep 2, 2026Price cut$249,900 (-$8,000, -3.1%)
- Sep 9, 2026Price cut$249,019 (-$881, -0.4%)
- Sep 15, 2026Price cut$247,500 (-$1,519, -0.6%)
- 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.
Price & listing history
Building permits
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 STONEGATE VILLAS TOWNHOMES. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
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Listed by Coldwell Banker Realty · MLS # 1002547
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Similar homes for sale near STONEGATE VILLAS TOWNHOMES
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
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- 37 W Seahorse Circle, Santa Rosa Beach · $4,975,000 · 9 bd / 9.0 ba · listed October 1, 2026 (courtesy of Five Star Properties RE FL Inc)
- 4000 W Hidden Lake Way ## 313, Santa Rosa Beach · $450,000 · 1 bd / 2.0 ba · listed October 1, 2026 (courtesy of Critical Mass Realty LLC)
- 4984 W County Highway 30A ## 4B, Santa Rosa Beach · $524,900 · 1 bd / 1.5 ba · listed October 1, 2026 (courtesy of EXP Realty LLC)
- 145 Beachfront Trail ## 201, Santa Rosa Beach · $599,000 · 2 bd / 2.0 ba · listed October 1, 2026 (courtesy of Engel & Voelkers 30A Beaches)
- 180 Rearden Way, Santa Rosa Beach · $659,900 · 4 bd / 3.0 ba · listed October 1, 2026 (courtesy of Realty ONE Group Emerald Coast)
Just listed: new homes for sale in the Emerald Coast in the last 48 hours · updated hourly · RSS · The Emerald Coast market today: new listings, price cuts, pendings
More on STONEGATE VILLAS TOWNHOMES
Go deeper on STONEGATE VILLAS TOWNHOMES
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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 →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Buyer research checklist
Items worth confirming for 732 E Mack Bayou Drive #APT 2, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2005 (21 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 $1,925/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $500 less per year than the current owner’s estimated bill (−21%). 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.
Data sources & freshness
| Listing record | Emerald Coast MLS, refreshed hourly (last: October 3, 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 | FEMA flood maps + USGS elevation (Zone X shown above) |
| 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.
Frequently asked questions
How big is 732 E Mack Bayou Drive #APT 2 and when was it built?
Per the listing record, 732 E Mack Bayou Drive #APT 2 was built in 2005 and has 3 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 732 E Mack Bayou Drive #APT 2 in?
732 E Mack Bayou Drive #APT 2 is in Stonegate Villas Townhomes 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 732 E Mack Bayou Drive #APT 2 differ from the current owner's?
The estimate on this page (about $1,925 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $500 less per year than the current owner’s estimated bill (−21%). 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 732 E Mack Bayou Drive #APT 2 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.
See 732 E Mack Bayou Drive #APT 2 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 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 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.