61 days on market (MLS)Detached Single Family▼ Price cut: $4,000 (9/2)
$1,999,000
3-Bedroom Detached Single Family in LAKE SHORE ESTATES
826 N Walton Lakeshore Drive, Inlet Beach, FL 32461
Detached Single Family in LAKE SHORE ESTATES, Inlet Beach · No CDD on record
LAKE SHORE ESTATES · Inlet Beach, FL 32461 · Walton County
Listing data updated October 3, 2026 · refreshed hourly
3Bedrooms
2Bathrooms
2018Year Built
WaterfrontNo CDD on recordFEMA Zone X
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
Balanced market
61 days on market
Zone X
Flood risk
Minimal hazard per FEMA; ~19 ft elevation
$6k–$11k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 3, 2026, 826 N Walton Lakeshore Drive in Lake Shore Estates, Inlet Beach is listed at $1,999,000. That is 39% below Lake Shore Estates's median closed sale of $3,300,000 over the last 12 months (3 recorded sales). It has been 61 days on market. Listing facts: built in 2018, waterfront. 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 2018 · 8 yrs
61 days on market
Listing description
About this home
Welcome to ''Contentment,'' an architectural statement home on the shores of Lake Powell at 826 N Walton Lakeshore Drive. Custom-designed over several years by architect Frank Greene, former Town Architect for Rosemary Beach, and completed in 2018, this three-story residence was conceived to maximize light, air, and space while blending coastal lake living with a refined industrial aesthetic. The home takes its name from the entry sculpture created by a local Inlet Beach artist.
Inside, an open-concept floor plan unfolds beneath soaring ceilings accented by exposed wood and metal trim and painted floors with a well-worn patina that evokes urban-warehouse warmth. A custom three-story open stairway - handcrafted from the same structural beams that support the house - serves as a sculptural centerpiece, and four oversized pendants retrofitted from industrial highway mast lights anchor the main living space. A wood-burning fireplace with natural gas starter adds ambiance on cooler evenings.
The chef's kitchen is purpose-built for cooking: custom cabinetry with furniture-style bases, natural quartzite countertops, a raised island for ergonomic prep, dedicated knife and spice drawers, and a separate pantry/laundry room. Appliances include a new refrigerator/freezer, gas cooktop with downdraft vent, built-in oven, microwave, and a lower-level refrigerator/freezer. The entire upper level is devoted to a private primary suite, opening to its own deck overlooking the lake.
Each bath features an art-tile installation that nods to celebrated graphic and wildlife artist Charley Harper, paired with signature glass-block showers. A lower-level safe room/storage area, plus generous attic and crawl space, provide exceptional storage throughout. While currently designed as a one bedroom primary residence, the property is positioned to be re-imagined into a 3 bedroom family home with minimal adjustments as depicted in images created.
Outdoor living flows across three levels: a ground-level patio leading down a path to the private dock, a main-level screened porch, and the primary-suite deck above. The newly resurfaced dock offers social space and an outdoor hot/cold shower, a 5,000-lb. boat lift with a custom heavy-duty aluminum-framed canvas canopy, and a Seahorse-brand elevated double-kayak lift.
Additional appointments include impact-rated windows and doors throughout, a natural gas whole-house generator, a large Browning safe, and low-maintenance landscaping with native plants, ground cover, and natural rock. The covered front porch is accented by custom Rookwood tile wall art. A rare opportunity to own a true custom, architect-designed lakefront home with direct water access on Lake Powell.
All 30 photos
Description provided by Christies International Real Estate Emerald Coast 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$1,999,000
Bed / bath3 / 2
Year built2018
Property typeDetached Single Family
MLS #1003895
Listing status61 days on market (MLS)
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~19 ft
CountyWalton
Area listings1 active · 0 under contract
Estimated first-year tax~$20,990/yr
CDD assessmentNone on record
HOANot reported
Calculated estimates
Estimated monthly payment$13,328
Insurance (illustrative)$6k–$11k/yr
Comparable-sales median$3,300,000
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
$13,328/mo
Principal & interest $10,942/mo82%
Taxes $1,749/mo13%
Insurance $637/mo5%
$13,328/mo at 20% down, 30-yr @ 7.28% · 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.)
~$20,990/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
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)
$6k–$11k/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 insurance not federally mandated (Zone X). 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 X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~19 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.
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.
Property timeline
This home’s history
2018BuiltPer public record
About Aug 2026Listed (per MLS)MLS reports 61 cumulative days on market as of October 3, 2026
Aug 4, 2026First seen on movewithmomentum.comObserved at $1,999,000
Sep 2, 2026Price cut$1,995,000 (-$4,000, -0.2%)
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 $1,999,000Momentum Realty · on market 61 days
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 LAKE SHORE ESTATES. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
Momentum Scores
Momentum Property Score
77/100
Strongest on: Affordability (100), Flood safety (95)
0 limited50100 exceptional
77/100 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 $1,999,000 vs the community median $3,300,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~19 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2018 build. Obtain a property-specific quote.
Market liquidity38
Community median 78 days on market (12-month record).
Pricing power72
Recent sales closed at about 93.5% of original asking (~6.5% 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
42% of homes in LAKE SHORE ESTATES are owner-occupied. An estimated 58% are non-owner-occupied, including 12% held in a company or trust and 32% 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), 63 homes matched. Community-level context.
Recent LAKE SHORE ESTATES sales closed near 93.5% 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 September 20, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 1 active listings in LAKE SHORE ESTATES, no CDD assessment.
Updated October 3, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Christies International Real Estate Emerald Coast · MLS # 1003895
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Keep looking
Similar homes for sale near LAKE SHORE ESTATES
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 14 miles northeast of Lake Shore Estates Walton.
DeSantis signs state budget with funding for Okaloosa County projects
Governor DeSantis signed the state budget that included roughly $15 million for 20 Okaloosa County projects, among them $5 million for the Northwest Florida State College Workforce Innovation Center in Niceville, $1.5 million for Shalimar Bridge Park, and $3 million for Destin road and drainage work. About $7.26 million in other local requests were vetoed.
Why it matters: Directs state funding toward workforce, park, road, and drainage infrastructure across Okaloosa County, supporting public facilities and capacity in Niceville, Shalimar, and Destin. The site is about 14 miles northwest of Lake Shore Estates Walton.
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.
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
Dune LakesAssigned 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 826 N Walton Lakeshore Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2018: 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 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.
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 $20,990/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, 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
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 826 N Walton Lakeshore Drive and when was it built?
Per the listing record, 826 N Walton Lakeshore Drive was built in 2018 and has 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 826 N Walton Lakeshore Drive in?
826 N Walton Lakeshore Drive is in Lake Shore Estates in Inlet 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 826 N Walton Lakeshore Drive differ from the current owner's?
The estimate on this page (about $20,990 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 826 N Walton Lakeshore Drive 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.
Ready when you are
See 826 N Walton Lakeshore Drive 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 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.
