76 E Harborview Road, Santa Rosa Beach, FL 32459
As of September 30, 2026, 76 E Harborview Road in Mack Bayou Center, Santa Rosa Beach is listed at $524,900. That is 82% below Mack Bayou Center's median closed sale of $2,962,500 over the last 12 months (90 recorded sales). It has been 33 days on market. Listing facts: built in 2005. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 2005 · 21 yrs
- 33 days on market
- HOA ~$50/mo (estimate; confirm)
Pricing & the WATERCOLOR market
How this home is priced against recent nearby sales, and where WATERCOLOR 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).
This home’s history
- 2005BuiltPer public record
- Aug 28, 2026First trackedObserved at $524,900 · 33 days on market
- 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 $2,802/mo 79%
- Taxes $459/mo 13%
- Insurance $215/mo 6%
- HOA $50/mo 1%
$3,526/mo at 20% down, 30-yr @ 7.03% · 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.
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.
Momentum Property Score
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.
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
35% of homes in WATERCOLOR 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 WATERCOLOR 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 WATERCOLOR, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated September 30, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
Rare 4-bedroom, 3-bath Florida Cottage in the heart of Mack Bayou -- no HOA, no restrictions, just a well-built two-story home with real bones and room to breathe. At 1,872 sq ft, the layout works: an open great room anchored by a fireplace flows into a fully renovated kitchen with quartz countertops, white shaker cabinets, a tile backsplash, stainless appliances, walk-in pantry, and a shiplap breakfast bar that seats the whole crew. LVP floors run through the main living areas, downstairs bedroom, and the upstairs master -- durable, good-looking, and built to handle beach life.
The primary suite is where it belongs: private, upstairs, with French doors opening onto a covered second-floor balcony, a double vanity, garden tub, separate shower, and a walk-in closet. Two additional bedrooms share the upper floor. A fourth bedroom sits on the main level -- ideal for guests, a home office, or flex use.
Out back, a fully fenced yard shaded by a live oak canopy, with a raised wood deck, paver patio, and a custom-painted mural fence that gives the space real personality. A mudroom off the back door keeps beach life from taking over the house. Metal roof.
HardiBoard siding. Fireplace in the great room. Mack Bayou a short walk away, the beach just minutes beyond that.
Priced right for a buyer who recognizes a great floor plan, a great location, and the chance to finish making it their own. Welcome to 76 E Harborview Road. Pull up and you already know something is different.
The white picket fence wraps the front yard. A two-story Florida Cottage sits back from the road -- white HardiBoard, black accents, double front porches stacked one on top of the other, ceiling fans turning overhead. Pink French doors on the covered front porch.
Hanging baskets. A checkered painted floor. The kind of curb appeal that makes people slow down when they drive by.
This is Mack Bayou. Not 30A proper -- better, in a lot of ways. No HOA.
No short-term rental neighbors rotating in every weekend. Just a quiet residential pocket tucked off Mack Bayou Road, close enough to the beach to feel it, far enough from the chaos to actually live here. Step inside and the main floor opens up immediately.
Great room, dining area, and kitchen all connected -- light, airy, and wider-feeling than 1,872 square feet suggests. LVP flooring runs throughout the main living areas, low maintenance and durable, exactly what you want at the coast. A fireplace anchors the living room.
The windows let the trees in. It feels like a home. The kitchen is the heart of it.
Quartz countertops. White shaker cabinets. Tile backsplash.
Stainless appliances. A shiplap breakfast bar with barstool seating. A walk-in pantry and separate storage closet that actually solve the problem of where everything goes.
The layout is open to the dining area and great room, so whoever is cooking is never cut off from the rest of the house. It works. Just off the kitchen, a mudroom connects the interior to the backyard -- a small detail that makes a big difference when you're coming in from the yard, the beach, or a day on the water.
More houses need this. There's a full bedroom on the main floor -- 12x12, with a full bath nearby. Use it as a guest room, a home office, or a flex space.
Having that option on the first floor is a genuine convenience that not every layout offers. Head upstairs and the house keeps delivering. Three more bedrooms, two full baths, a hallway that connects without feeling cramped.
LVP continues through the upstairs hall and the master. The primary suite is private and removed from the activity of the main floor -- spacious enough for a king bed with room to move around it. A barn door opens to the en-suite bath: double vanity, garden tub, separate shower, tile throughout, walk-in closet.
French doors lead out to the private second-floor balcony. Step outside and you're above the tree line, looking out over a quiet street shaded by mature oaks. It's a good place to start the morni…
All 42 photos
Description provided by Real Broker 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
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Price & listing history
Building permits
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
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 Real Broker LLC · MLS # 1010757
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Recent sales activity in MACK BAYOU CENTER
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 MACK BAYOU CENTER 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.
Explore Walton County
Browse market data, schools, taxes, and homes for sale across the county.
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.
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
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 76 E Harborview Road, 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.
- 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 $5,511/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.
Groceries, dining, and parks for this city — see the city guide.
View →Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
Data sources & freshness
| Listing record | Emerald Coast MLS, refreshed hourly (last: September 30, 2026) |
| Community market stats | Emerald Coast MLS closed sales, as of September 20, 2026 |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| 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 76 E Harborview Road and when was it built?
Per the listing record, 76 E Harborview Road was built in 2005 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 76 E Harborview Road in?
76 E Harborview Road is in Mack Bayou Center in Santa Rosa Beach, Walton County. The community section on this page shows recent closed sales, days on market, and active inventory for Mack Bayou Center from the same MLS data.
Why might property taxes on 76 E Harborview Road differ from the current owner's?
The estimate on this page (about $5,511 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 76 E Harborview Road 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.
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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.