3 bedroom Townhouse at 8593 Magnolia Bay Lane, Magnolia Bay, Miramar Beach — photo 1
3 bedroom Townhouse at 8593 Magnolia Bay Lane, Magnolia Bay, Miramar Beach — photo 2
3 bedroom Townhouse at 8593 Magnolia Bay Lane, Magnolia Bay, Miramar Beach — photo 3
3 bedroom Townhouse at 8593 Magnolia Bay Lane, Magnolia Bay, Miramar Beach — photo 4
3 bedroom Townhouse at 8593 Magnolia Bay Lane, Magnolia Bay, Miramar Beach — photo 5View all 45 photos →
Active Townhouse
$1,095,000
3-Bedroom Townhome in MAGNOLIA BAY

8593 Magnolia Bay Lane, Miramar Beach, FL 32550

Townhouse in MAGNOLIA BAY, Miramar Beach · No CDD on record
MAGNOLIA BAY · Miramar Beach, FL 32550 · Walton County
Listing data updated October 12, 2026 at 5:47 PM ET · checked against the MLS hourly
3Bedrooms
3.5Bathrooms
2001Year Built
Waterfront1-car garageNo 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

As of October 12, 2026, 8593 Magnolia Bay Lane in Magnolia Bay, Miramar Beach is listed at $1,095,000. That is 63% below Magnolia Bay'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 2001, waterfront. Figures are from the MLS record and county data; deemed reliable but not guaranteed.

  • No CDD assessment on record
  • Built 2001 · 25 yrs
  • 1-car garage
  • Active listing
Listing description

About this home

Discover effortless resort living in the highly sought-after Magnolia Bay neighborhood of Sandestin Golf & Beach Resort. Beautifully positioned to capture picturesque lake and golf course views, this thoughtfully updated townhome offers the perfect blend of coastal charm, modern comfort, and resort-style convenience. Offered fully furnished and complete with a 2024 golf cart, this property is ready to enjoy from day one.

The inviting floor plan features a spacious primary suite on the main level, while the second floor offers an additional primary suite, guest bedroom, and versatile loft area, providing plenty of room for family and guests. A private one-car garage offers valuable storage for beach essentials and more. Inside, an impressive collection of recent improvements adds to the home's appeal.

New flooring throughout in 2024 creates a fresh, cohesive look, while the beautifully updated kitchen features quartz countertops, a stylish backsplash, and a redesigned single-level bar that enhances both functionality and entertaining. The upstairs bathrooms have been remodeled, while the downstairs bathroom features updated sinks and countertops. Additional improvements include refinished and painted stairs, fresh bathroom paint, and new carpeting on the stair landings in 2026.

The home has also been thoughtfully refreshed with new bedroom furniture, nightstands, a desk, area rugs, kitchen chairs, barstools, and an assortment of new kitchenware. A new dryer was installed in August 2026, and both the HVAC system and water heater have been replaced from their original installations. Outdoor living is equally inviting, with new pavers, updated patio furnishings, new front benches, and a new BBQ grill added in August 2026.

The exterior was painted in 2025, and a new roof was installed in 2023, offering additional peace of mind. Magnolia Bay residents enjoy access to a nearby community pool, while the beautiful beaches, championship golf courses, dining, shopping, and entertainment of Sandestin are just a golf cart ride away. With the flexibility of short-term or long-term rentals, this beautifully maintained townhome presents an exceptional opportunity for a primary residence, coastal getaway, or investment property.

Fully furnished, beautifully updated, and complete with a 2024 golf cart, this Magnolia Bay retreat is ready for its next chapter. As an introduction to the Sandestin lifestyle, we invite our new owners to explore amenities that make Sandestin special. The listing brokerage and seller(s) are presenting the buyer(s) of this property with (2) 90-minute rounds of Tennis court time, a golf foursome at one of our three championship courses, and a round of golf for up to four (4) players at the unrivaled Burnt Pine Golf Club.

Sandestin Golf and Beach Resort features more than seven miles of beaches and pristine bay front, four championship golf courses, 15 world-class tennis courts, a 226-slip marina, a fitness center, spa and celebrity chef dining. Shop, dine and play at the charming pedestrian village, The Village of Baytowne Wharf and more. Inside the gates of the resort, residents enjoy a balanced lifestyle of high-class living, spanning the 2,400 acres from the beach to the bay.

Everything within the gates of the resort is accessible by golf cart or bicycle. The entire resort is interconnected by miles of pedestrian, bike and golf cart paths that weave through groves of live oaks, meandering past natural lagoons, fountains, man-made lakes, and meticulously landscaped fairways.

All 45 photos

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Description provided by The Agency Northwest Florida Beaches and reproduced from the MLS; not independently verified.

Listing courtesy of The Agency Northwest Florida Beaches · Listing agent: Eric A Guilbeau · glen.stegemann@theagencyre.comProvided via the Emerald Coast Association of REALTORS® Internet Data Exchange · Source: Emerald Coast Association of REALTORS® · © 2026 Emerald Coast Association of REALTORS®, Inc. · deemed reliable but not guaranteedIDX information is provided exclusively 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. Data is deemed reliable but is not guaranteed by the MLS to be accurate.
Property facts & sources

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

List price$1,095,000
Bed / bath3 / 3.5
Year built2001
Property typeTownhouse
Garage1-car
MLS #1013639
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~$10,200/yr
CDD assessmentNone on record
HOANot reported

Calculated estimates

Estimated monthly payment$7,394
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

$7,394/mo
  • Principal & interest $6,065/mo 82%
  • Taxes $850/mo 11%
  • Insurance $479/mo 6%

$7,394/mo at 20% down, 30-yr @ 7.4% · edit any field to update.

Editable estimate — not a loan offer. Estimates only; see data & estimate notes.

Cost to own

Property taxes

✓ Certified tax roll · county-average rate
Estimated property taxes after purchase
$10,200/yr
≈ $850/mo·effective rate ~0.93%
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 $5,925/yr ($494/mo) — taxable value $606,693 × 9.76 mills
$4,275 more each year
(+72%)

Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.

🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$300,879
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
$907,572
Market value
$606,693
Assessed
$606,693
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.

Estimate my property taxes →

Adjust for your exemptions, portability, and down payment

Related tools:True cost of ownershipNon-homestead capCDD carrying cost

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.

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
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
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 · WATERCOLOR

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.

$690k$2.2M$3.6M2012: $975k20122013: $1.3M2014: $1.2M20142015: $1.1M2016: $1.4M20162017: $1.6M2018: $1.3M20182019: $1.6M2020: $1.8M20202021: $2.2M2022: $3.0M20222023: $3.4M2024: $3.4M20242025: $3.1M2026: $3.0M2026

Market Heat by year (0–100)

Momentum Market Heat, 2013–2026. Now 47 (normal).

8541012013: 4020132014: 582015: 1720152016: 462017: 2520172018: 212019: 7520192020: 562021: 8120212022: 922023: 5320232024: 532025: 3620252026: 472026
Property timeline

This home’s history

  • 2001BuiltPer public record
  • Oct 12, 2026First seen on movewithmomentum.comObserved at $1,095,000
  • 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 $1,095,000Momentum Realty · on market 0 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 MAGNOLIA BAY. 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 $1,095,000 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 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 October 12, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

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Listed by The Agency Northwest Florida Beaches · MLS # 1013639

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Recently off market in MAGNOLIA BAY

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In the area

Recent Zz Emeraldcoast Walton Unassigned news

Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.

Aug 2026 · Infrastructure

Walton commissioners approve up to $4.69 million Westbay Parkway design contract

At its August 17, 2026 meeting, the Walton County Board of County Commissioners approved, on the consent agenda, a contract with Mott MacDonald for Westbay Parkway design not to exceed $4,693,502.38. The same agenda included a $184,117 Dewberry task order for the Santa Clara Regional Beach Access Bramble Grove addition.

Why it matters: Design work on Westbay Parkway is an early step toward added road capacity in western Walton County. The project is about 15 miles north of Zz Emeraldcoast Walton Unassigned, elsewhere in Walton County.

Walton County Government

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.

Get The Coast

Go deeper

More on Walton County

Explore Walton County

Browse market data, schools, taxes, and homes for sale across the county.

Open the Walton County guide →
Assigned schools

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.

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.

City
Miramar Beach

Groceries, dining, and parks for this city — see the city guide.

View →
County
Walton

Schools, taxes, and services are county-administered — see the county guide.

View →
Community
MAGNOLIA BAY

Amenities and HOA/CDD detail on the neighborhood guide.

Before you decide

Buyer research checklist

Items worth confirming for 8593 Magnolia Bay Lane, chosen from what the record shows. This is general guidance, not advice about this specific property.

  • Built in 2001 (25 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.
  • 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 $10,200/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $4,275 more per year than the current owner’s estimated bill (+72%). 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 recordEmerald Coast MLS, checked against the MLS hourly (last: October 12, 2026)
Comparable salesFewer than 3 defensible closed sales within about 10 miles in Walton County — no medians or automated estimate shown
Flood zone & elevationNot verified for this address — look it up at msc.fema.gov
Taxes & monthly costCertified county tax roll (parcel-matched) × county millage; an estimate, not a bill
Insurance figureModeled estimate; obtain a real quote before offering
Schools2025-26 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 8593 Magnolia Bay Lane and when was it built?

Per the listing record, 8593 Magnolia Bay Lane was built in 2001 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 8593 Magnolia Bay Lane in?

8593 Magnolia Bay Lane is in Magnolia Bay in Miramar 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 8593 Magnolia Bay Lane differ from the current owner's?

The estimate on this page (about $10,200 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $4,275 more per year than the current owner’s estimated bill (+72%). 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 8593 Magnolia Bay Lane 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 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.