Lot 12 Climbing Rose Way, Santa Rosa Beach, FL 32459
As of September 16, 2026, Lot 12 Climbing Rose Way in Watercolor, Santa Rosa Beach is listed at $4,795,000. That is 65% above Watercolor's median closed sale of $2,912,500 over the last 12 months (86 recorded sales). It came to market within the past week. Listing facts: built in 2027. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 2027 · -1 yrs
- 1-car garage
- New to 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
- 2027BuiltPer public record
- Sep 15, 2026First trackedObserved at $4,795,000
- 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 $24,906/mo 82%
- Taxes $4,196/mo 14%
- Insurance $1,225/mo 4%
- HOA $50/mo 0%
$30,376/mo at 20% down, 30-yr @ 6.76% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Momentum Property Score
44/100 is below average 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 41% 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), 2947 homes matched. Community-level context.
Recent WATERCOLOR sales closed near 94.1% 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 12, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 932 active listings in WATERCOLOR, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated September 16, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
Designed for refined coastal living in WaterColor's coveted Phase 5, Lot 12 Climbing Rose Way will bring a thoughtfully planned three-story residence to one of the community's most desirable non-rental neighborhoods. Construction will begin upon contract, offering buyers the chance to secure a brand-new home featuring 5 bedrooms, 5 full baths, 1 half bath, a one-car garage, private pool, expansive outdoor living spaces, and a versatile third-floor retreat. The exterior will reflect the timeless architectural character of WaterColor, blending classic lap siding with shingle-style accents, a Coastal Fog exterior palette, crisp white trim, and a traditional metal roof.
A welcoming front porch and paver-style driveway create an inviting arrival, with space for three additional vehicles in the drive. Inside, the first floor opens to a dramatic two-story foyer with a coat closet, powder room, and access to a private guest suite complete with its own full bath, dual vanities, and walk-in shower. From there, the home flows into a spacious open-concept living, dining, and kitchen area designed for both everyday comfort and entertaining.
The kitchen serves as the centerpiece of the main living space, with a large waterfall-edge island, generous wraparound bar seating, oversized range hood, multiple sinks, and abundant cabinetry and counter space. A collection of built-in entertaining features, including a wine refrigerator, undercounter refrigerator and freezer, ice maker, and kegerator, adds another level of functionality. An oversized pantry is equally well equipped with extensive shelving and counter space, a refrigerator, and double ovens.
The adjacent living room is anchored by a gas fireplace and opens through expansive folding doors to a large screened porch, creating a seamless transition between indoor and outdoor living. Just beyond, the private pool and surrounding deck form a secluded backyard retreat. A covered summer kitchen with grill and fryer, outdoor shower, and dedicated bike storage complete the exterior entertaining space.
The second floor is highlighted by the private primary suite overlooking the pool. Double doors open to a covered balcony, while dual walk-in closets provide generous storage. The spa-inspired primary bath features separate vanities and an expansive wet room combining a walk-in shower with a soaking tub, along with a private water closet.
Two additional guest suites are also located on the second level, each with its own private bathroom and closet. The front guest room opens directly onto a spacious balcony overlooking the streetscape of Phase 5. A dedicated laundry room with utility sink, additional linen storage, and the open landing overlooking the foyer below complete this level.
The third floor offers exceptional flexibility with a large open loft that can easily function as a game room, media lounge, fitness space, additional living area, or combination of uses. The fifth bedroom is also located on this floor, along with a full bath, multiple closets, and a substantial enclosed storage room. Set within WaterColor's sought-after Phase 5, this residence offers the peace and permanence of a non-rental neighborhood while still enjoying access to the lifestyle and amenities that make WaterColor one of 30A's most recognized communities.
Nearby green spaces and community recreation complement convenient access to the beach, dining, shopping, and the many amenities found throughout WaterColor and Santa Rosa Beach. With construction beginning upon contract, Lot 12 Climbing Rose Way offers a rare opportunity to secure a brand-new residence thoughtfully designed for elevated coastal living in the heart of WaterColor.
All 56 photos
Description provided by Berkshire Hathaway HomeServices 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
Similar homes for sale near WATERCOLOR
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.
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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 Berkshire Hathaway HomeServices · MLS # 1011979
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Recent sales activity in WATERCOLOR
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 WATERCOLOR 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.
Go deeper on WATERCOLOR
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.
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.
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 Lot 12 Climbing Rose Way, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2027: 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.
- 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 $50,348/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.
Data sources & freshness
| Listing record | Emerald Coast MLS, refreshed twice daily (last: September 16, 2026) |
| Community market stats | Emerald Coast MLS closed sales, as of September 12, 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 Lot 12 Climbing Rose Way and when was it built?
Per the listing record, Lot 12 Climbing Rose Way was built in 2027 and has 5 bedrooms and 5.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is Lot 12 Climbing Rose Way in?
Lot 12 Climbing Rose Way is in Watercolor in Santa Rosa Beach, Walton County. The community section on this page shows recent closed sales, days on market, and active inventory for Watercolor from the same MLS data.
Why might property taxes on Lot 12 Climbing Rose Way differ from the current owner's?
The estimate on this page (about $50,348 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 Lot 12 Climbing Rose Way 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.