Cottage Grove
Homes for Sale in Santa Rosa Beach, FL
All 848 homes for sale in Santa Rosa Beach, FL · median $1,135,000 · 878 homes for sale in 32459 · Walton County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via Emerald Coast MLS
As of September 2026, Cottage Grove in Santa Rosa Beach, FL has 1 home for sale. Over the 12 months ending 2026-09-20, 8 recorded sales closed at a median of $1,237,500, a median 3 days on market, sellers accepting 100% of original asking (+16% versus the prior year). Homes listed or recently sold were built 2020–2024. At the median price and Walton County's FY2025-26 rate of 9.758 mills, annual property tax runs about $12,080 ($11,690 with the full homestead exemption).
| 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, Security System, Short Term Rental - Not Allowed, BBQ Pit/Grill, Pets Allowed |
| Sale prices, last 12 months | $1,237,500 median across 8 closed sales · +16.5% vs the prior 12 months |
| Days on market (closed sales) | 3 median |
| For sale right now | 1 active, 0 pending · median asking $809,950 · 1.5 months of supply |
| Owner-occupied (homestead) share | 66% |
Data as of September 20, 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 September 20, 2026.
Last 30 days in Cottage Grove: 1 closed sale (median $1,200,000). As of September 28, 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.
Cottage Grove right now
🔴 Seller-leaning market. 1.5 months of supply and 0% of the inventory already under contract give sellers the pressure advantage.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 September 20, 2026. Confidence: Medium (1 active and pending listings, 8 closed sales in 12 months).
🟢 Still climbing. The trailing-12-month median ($1.24M) is up 16.5% from the prior 12 months ($1.06M). With about 8 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level Emerald Coast MLS closed sales, 12-month windows ending September 20. Confidence: Medium (8 and 6 sales in the two windows).
What's unique here: the median sale price is about 3x the typical Walton County sale ($1.24M vs $400K, trailing 12 months, Emerald Coast MLS records).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated September 29, 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 market snapshot (as of September 20, 2026): the median sale price is about $1.24M, a median 4 days on market for closed sales, and 1.5 months of supply, a seller-leaning market. The trailing-12-month median is up 16% from the prior 12 months, computed from record-level Emerald Coast MLS closed sales (8 closings in the current window).
In ZIP 32459 (Santa Rosa Beach), 967 homes closed in the last 12 months at a median of $960K, up 2.0% year over year, with a median 82 days on market. Right now 496 active and 94 pending listings put supply at about 7.0 months — a buyer's market. See the live ZIP 32459 housing market and the Walton County market.
County records show 7 qualified sales in COTTAGE GROVE across 2024–2025 (4 in 2024, 3 in 2025), median $1.25M — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Cottage Grove is a community of 38 homes in Santa Rosa Beach, Walton County, built between 2020 and 2022 (median 2022.0), with a median living area of about 2,684 square feet. 66% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
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.
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
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 20 of each year, from record-level Emerald Coast MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($1.24M) IS the median in the snapshot above, and the move from 2025 ($1.06M) IS the +16.5% one-year change.
Windows contain 2 to 22 sales each (8 in the current window); every figure carries its sample size, and thin markets swing on single closings. 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.
18% of homes for sale in ZIP 32459 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-09-29).
Cottage Grove Market Scorecard
Cottage Grove is currently a seller-leaning market. About 1.5 months of supply, a median asking price of $809,950, and homes go under contract in about 760 days.
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Emerald Coast MLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
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 2026-09-28, 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 (1)
All 1 active and pending Cottage Grove listings with a detail page, newest first, refreshed twice a day from the MLS.
- 45 Grove Townhomes Place ##103 · $809,950 · 3 bd / 3.5 ba · listed Jun 30, 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, tiles © CARTO.
Schools
- Walton County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Van R Butler · Elementary
- Emerald Coast · 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.
Shop the zone: Homes zoned for South Walton High School
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.
Come strong and clean. Homes here move, so lead with your best terms and financing ready rather than a low anchor.
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.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Cottage Grove buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 4 factors (8.7). Basis: Recent Direction +16.5% year-over-year; Liquidity & Demand 1.5 months of supply; Owner Commitment 66% owner-occupied; Pricing Power 99.7% sale-to-list. Refreshed with each data update.
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.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
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
Frequently Asked Questions
What is the median home price in Cottage Grove?
How long do homes in Cottage Grove take to sell?
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?
Where is Cottage Grove, and what county is it in?
Is Cottage Grove a good place to live?
Should you buy in Cottage Grove?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | Emerald Coast MLS, refreshed twice daily (last: September 28, 2026) |
| Community market stats | Emerald Coast MLS closed sales, 12-month windows ending September 20, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (1 streets, ZIP 32459)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2020 (55 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.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Emerald Coast MLS member average and 8 days faster, and we’ll price yours against live local comps.
Looking to buy here? Search homes for sale →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how COTTAGE GROVE fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Cottage Grove
- Home values · What homes in Cottage Grove actually sell for
Nearby Communities
Explore more neighborhoods near Cottage Grove with Momentum Realty’s local guides.