Cottage Grove
Homes for Sale in Santa Rosa Beach, FL
True comps, carrying-cost math, and listings before the portals.
Photo via Emerald Coast MLS
As of November 2026, Cottage Grove in Santa Rosa Beach, FL has 2 homes for sale. Homes listed or recently sold were built 2020–2024; 9 of 9 report an HOA (median $356/mo); none of the 9 geocoded homes sit in a FEMA special flood hazard zone (median elevation 24 ft).
| Location | Santa Rosa Beach, Walton County, FL · ZIP 32459 |
|---|---|
| Homes in the community | 38 (FL DOR 2025 assessment roll) |
| Years built | 2020–2022 (median 2022.0) |
| Typical living area | 2,684 sq ft (median) |
| Home types (current listings and sales) | detached single family 89%, townhouses 11% |
| Amenities listed by sellers | Pool, Gated, Short Term Rental - Not Allowed, Security System, BBQ Pit/Grill, Pets Allowed |
| For sale right now | 2 active, 0 pending · median asking $1,042,475 · 3.4 months of supply |
| Owner-occupied (homestead) share | 66% |
Data as of November 9, 2026. Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Cottage Grove key facts,” movewithmomentum.com/neighborhoods/cottage-grove, data as of November 9, 2026.
Last 30 days in Cottage Grove: 1 new listing (median asking $1,275,000). As of November 9, 2026, Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate.
Price in Cottage Grove sits at a median of $1,237,500, and with just 8 closings in the window there is no deep transaction record to lean on — condition, finish level, and lot position drive where any given home lands far more than any broad market trend. Treat that median as a center of gravity, not a ceiling or a floor.
The market posture here is fast: a median of 3.5 days on market tells you well-prepared listings move almost immediately, and with only 3 active listings, buyers are competing over thin inventory. Sellers hold the leverage on anything priced and presented correctly; buyers need financing lined up and a willingness to act the day a home hits.
Figures in this note are as of July 26, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Cottage Grove right now
🟡 Balanced market. 3.4 months of supply and 0% of the inventory already under contract put buyers and sellers on roughly even footing.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of Emerald Coast MLS records, as of November 9, 2026. Confidence: Low (2 active and pending listings, 0 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated November 9, 2026 · Live data: Emerald Coast MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Cottage Grove is a small, high-price pocket of Santa Rosa Beach where turnover is quick and choice is limited — a market that rewards preparation on both sides of the deal.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
The setting & the homes.
Aerial and on-site photos of Cottage Grove. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Cottage GrovePhotos from Emerald Coast MLS listings in Cottage Grove; content deemed reliable but not guaranteed.
Who Cottage Grove is best for.
Best for
- Buyers comfortable in the seven-figure range who want a Santa Rosa Beach location
- Decisive buyers with financing ready who can commit within days of a listing
- Sellers with a well-maintained home who want a quick, competitive sale
Probably not for
- Buyers who need a wide range of active listings to compare before deciding
- Bargain-focused buyers expecting entry-level pricing in this pocket
- Anyone who wants shared community amenities, which none surface here
The market around Cottage Grove
Cottage Grove is too small for its own price trend, so here is the market around it.
In ZIP 32459, 952 homes are on the market and 16% are under contract — a slower corner of Santa Rosa Beach.
Across Walton County, 2,879 homes are active and 587 pending (17% under contract).
ZIP and county figures describe the wider market, not Cottage Grove specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in COTTAGE GROVE, Santa Rosa Beach
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate. Deemed reliable but not guaranteed.
Homes For Sale Right Now in Cottage Grove
Live MLS inventory for Cottage Grove. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active and pending Cottage Grove listings as of 2026-11-09, priced high to low. Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate. Tap any home to ask about it.
Every Home for Sale in Cottage Grove Right Now (2)
All 2 active and pending Cottage Grove listings with a detail page, newest first, refreshed twice a day from the MLS.
- 274 White Cottage Road · $1,275,000 · 3 bd / 3.5 ba · listed Oct 19, 2026 · listed by Watersound Real Estate
- 45 Grove Townhomes Place ##103 · $809,950 · 3 bd / 3.5 ba · listed Aug 11, 2026 · listed by Watersound Real Estate
Cottage Grove on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Emerald Coast MLS. Map data © OpenStreetMap contributors.
Schools
- Walton County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Van R Butler · Elementary
- Bay · Middle
- South Walton · High
Zoned schools reflect the assignments reported on recent Cottage Grove listings and can change; always confirm with Walton County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Cottage Grove address.
The Cottage Grove buying strategy.
If we were buying in Cottage Grove today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Cottage Grove.
A thin, fast market
The defining features here are scarcity and speed. With 3 active listings against a median 3.5 days on market, this is not a community where you browse for months and negotiate at leisure. Homes that are priced and shown well tend to trade quickly, and the small closing count means each sale carries outsized weight in how the next one is priced.
Year-over-year the median is up 5.3%, which points to firm demand, but the sample is small enough that a single unusual sale can move the figure. No community amenities surface in current MLS listings, so value here rests on the homes themselves and the Santa Rosa Beach location rather than shared facilities.
The location and the amenities are priced into every listing in Cottage Grove. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a market this thin and this fast, timing and preparation decide outcomes. We track new inventory the moment it lists, help buyers move with financing already in hand, and help sellers position condition and pricing against a median that offers only a rough anchor. With few comparable sales to lean on, local read matters more than any formula.
Cottage Grove in 15 seconds.
Tools for a Cottage Grove buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Cottage Grove sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Cottage Grove, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Cottage Grove home worth?
Get a no-obligation home value based on real comparable sales in Cottage Grove, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in Santa Rosa Beach →
Recently off market in COTTAGE GROVE
Homes in COTTAGE GROVE that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 2 on record.
- 244 White Cottage Road · off market
- 45 Grove Townhomes Place ##101 · off market
Recent Developments in Cottage Grove
Development, infrastructure, retail, and school activity affecting Cottage Grove, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated November 2026.
- October 2026Development
DeFuniak Springs tactical training firm plans campus expansion after multimillion-dollar contracts
Stronghold Test & Training Center, on a 50-acre campus at 150 Warfighter Way, plans a new complex with secure vaults, classrooms, offices and a 3D-printing prototyping bay. The company cites a $21 million Navy contract through 2030 and other federal awards; no cost, timeline or job count was given.
What it may mean for the marketDefense-linked contracting growth near Eglin and Hurlburt supports employer activity and specialized jobs in the DeFuniak Springs area. The project is about 28 miles north of Cottage Grove, elsewhere in Walton County.
Source: Get The Coast - August 2026Infrastructure
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.
What it may mean for the marketDesign work on Westbay Parkway is an early step toward added road capacity in western Walton County. The project is about 12 miles north of Cottage Grove, elsewhere in Walton County.
Source: Walton County Government - July 2026Infrastructure
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.
What it may mean for the marketAdvances 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 12 miles north of Cottage Grove.
Source: Get The Coast
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.
Frequently Asked Questions
Is Cottage Grove a buyer's or seller's market right now?
How many homes are in Cottage Grove?
What share of Cottage Grove is owner-occupied?
When were the homes in Cottage Grove built?
Who is the best real estate agent for Cottage Grove?
How do I find a top Santa Rosa Beach real estate agent who knows Cottage Grove?
Can Momentum Realty connect me with an agent for Cottage Grove?
Should you buy in Cottage Grove?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Cottage Grove with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | Emerald Coast MLS, refreshed twice daily (last: November 9, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (1 streets, ZIP 32459)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-11-09 |
| Historical depth | Closed-sale records back to 2026 (1 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Emerald Coast MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
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See how COTTAGE GROVE fits the bigger picture — live prices, inventory, and Momentum Scores: