Duncan
Homes for Sale in Santa Rosa Beach, FL
All 771 homes for sale in Santa Rosa Beach, FL · median $1,149,000 · 794 homes for sale in 32459 · Walton County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of November 2026, Duncan in Santa Rosa Beach, FL has 1 home for sale. As of November 2026, the MLS records 2 closed sales in Duncan in Santa Rosa Beach, FL since 2019, the most recent in November 2021. Across Santa Rosa Beach as a whole, 157 homes closed in the last 12 months at a median of $837,250, 72 median days on market, with 793 homes for sale today. At that median and Walton County's FY2025-26 rate of 9.758 mills, annual property tax runs about $8,170 ($7,780 with the full homestead exemption).
Duncan is a thin market right now: a single active listing as of late July 2026. With inventory this tight, there is no reliable spread to read — price here will be set by the one home available and by how its condition, lot, and position stack up against the broader Santa Rosa Beach picture. There is no median or amenity story to lean on from the current listing set.
For a buyer, that means the negotiation is one-on-one; you are pricing a specific house, not shopping a range, and comparable support will come from surrounding Walton County activity rather than Duncan itself. For a seller, a near-empty field can cut both ways — little visible competition, but also little to anchor a buyer's expectation. Both sides should expect to build the value case from outside comps.
Figures in this note are as of July 26, 2026. The live market numbers elsewhere on this page update nightly and are newer.
The 60-Second Overview
Duncan sits within Santa Rosa Beach in Walton County and, at present, offers just one active listing with no community amenities identified from current MLS data. Treat it as a micro-market where each transaction is essentially bespoke.
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.
Who Duncan is best for.
Best for
- Buyers committed to the Santa Rosa Beach area who have identified the single available home and want it
- Purchasers comfortable pricing off surrounding Walton County comps rather than in-community sales
- Sellers who value minimal visible competition and will invest in an outside-comp pricing strategy
Probably not for
- Buyers who need multiple options to compare before committing
- Anyone expecting defined community amenities, since none are identified in current listings
- Shoppers wanting an established price pattern to benchmark against
The market around Duncan
Duncan is too small for its own price trend, so here is the market around it.
In ZIP 32459, 1,067 homes are on the market and 18% are under contract — a slower corner of Santa Rosa Beach.
Across Walton County, 3,174 homes are active and 698 pending (18% under contract).
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 6.2 months — a buyer's market. See the live ZIP 32459 housing market and the Walton County market.
ZIP and county figures describe the wider market, not Duncan specifically. Momentum Research analysis of MLS records.
The Duncan buying strategy.
If we were buying in Duncan 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 Duncan.
A one-listing market
With a single active listing, Duncan gives you almost no internal signal — no depth of choice, no pattern of pricing, no amenity package pulled from the MLS to weigh. What you can say is location-driven: this is Santa Rosa Beach, Walton County, and the value conversation will be framed by the wider Emerald Coast market surrounding it rather than by anything specific to Duncan's own inventory.
Because condition and lot will drive the number more than any neighborhood premium, both buyer and seller should invest in a close look at the actual property and honest outside comparables. Do not assume the lone listing represents a 'Duncan price' — it represents one house.
The location and the amenities are priced into every listing in Duncan. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a market with one listing and no amenity data to lean on, the value comes from disciplined comparable work and knowing the surrounding Santa Rosa Beach and Walton County submarkets. We build the case from real outside comps, keep expectations grounded, and tell you plainly when the single available home does — or does not — fit what you actually want.
Duncan in 15 seconds.
Tools for a Duncan 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 Duncan sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Duncan, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Duncan home worth?
Get a no-obligation home value based on real comparable sales in Duncan, 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 →
Should you buy in Duncan?
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: November 6, 2026) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2019 (2 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 DUNCAN fits the bigger picture — live prices, inventory, and Momentum Scores: