Harbor Oaks
Homes for Sale in Santa Rosa Beach, FL
All 855 homes for sale in Santa Rosa Beach, FL · median $1,150,000 · 865 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 October 2026, Harbor Oaks in Santa Rosa Beach, FL has 1 home for sale. As of October 2026, the MLS records 17 closed sales in Harbor Oaks in Santa Rosa Beach, FL since 1996, the most recent in October 2021. Across Santa Rosa Beach as a whole, 545 homes closed in the last 12 months at a median of $975,000, 84 median days on market, with 302 homes for sale today. At that median and Walton County's FY2025-26 rate of 9.758 mills, annual property tax runs about $9,510 ($9,130 with the full homestead exemption).
| Location | Santa Rosa Beach, Walton County, FL · ZIP 32459, 32541 |
|---|---|
| Homes in the community | 24 (FL DOR 2025 assessment roll) |
| Years built | 1968–2021 (median 1995.5) |
| Typical living area | 2,181 sq ft (median) |
| For sale right now | 1 active, 0 pending · median asking $600,000 |
| Owner-occupied (homestead) share | 65% |
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, “HARBOR OAKS key facts,” movewithmomentum.com/neighborhoods/harbor-oaks, data as of September 20, 2026.
Last 30 days in Harbor Oaks: 1 new listing (median asking $600,000). As of October 2, 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.
Harbor Oaks is a small, mature pocket in Santa Rosa Beach — 40 homes with a build history running from 1968 all the way to 2023, and a median build year of 1999. That spread is the story: what you're really buying is condition, not a stamped floor plan. A renovated or newer build and an original older home in this same community will not trade at the same number, and with a median around 2,237 square feet, size alone won't sort the values for you.
With just 2 active listings against 40 homes, this is a thin, low-turnover market. For a seller, scarcity works in your favor when your home shows well. For a buyer, patience and readiness matter more than aggression — when the right home surfaces, you need to be positioned to move, because the next comparable listing may be a while out.
The 60-Second Overview
Harbor Oaks is a compact, established enclave in Santa Rosa Beach where roughly six in ten homes are homesteaded — a signal of an owner-occupied core rather than a rental-heavy churn. The wide age range means each home stands on its own condition.
Emerald Coast MLS sales records identify 11 homes in HARBOR OAKS that have changed hands since 2004, built between 1971 and 2019 (median 1995), with a median living area of about 2,155 sq ft and a typical 3-bedroom, 2.5-bath layout; 100% are single-family homes. Source: Emerald Coast MLS closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
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 Harbor Oaks is best for.
Best for
- Long-hold buyers wanting an established Santa Rosa Beach location and comfortable evaluating older-to-newer homes individually
- Buyers ready to move decisively when one of the few listings hits the market
- Those willing to pay for a renovated home, or to take on updates on an original one and price accordingly
Probably not for
- Buyers who need a broad menu of listings to compare before committing
- Anyone whose budget requires shared amenities like a pool or clubhouse to justify the price
- Buyers wanting uniform, newer construction with predictable pricing across the community
The market around Harbor Oaks
Harbor Oaks 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 7.0 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 Harbor Oaks specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in HARBOR OAKS, 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 Harbor Oaks
Live MLS inventory for Harbor Oaks. 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 Harbor Oaks listings as of 2026-10-01, 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 Harbor Oaks Right Now (1)
All 1 active and pending Harbor Oaks listings with a detail page, newest first, refreshed twice a day from the MLS.
- 67 W Wild Briar Road · $600,000 · 4 bd / 3 ba · listed Sep 8, 2026 · listed by Keller Williams Realty SRB
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 Harbor Oaks 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 Harbor Oaks address.
Shop the zone: Homes zoned for South Walton High School
The Harbor Oaks buying strategy.
If we were buying in Harbor Oaks 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 Harbor Oaks.
A condition-driven small-lot market
With a build range from 1968 to 2023 and a median year built of 1999, Harbor Oaks holds everything from original older houses to recent construction inside one small community. That's why price here tracks condition and updates more than any single spec. The median living area of about 2,237 square feet gives you a sense of scale, but expect real variance underneath it.
No community amenities turn up in the current MLS listings, so value rests on the homes and the Santa Rosa Beach location rather than shared facilities. A homestead share near 59% points to a settled, owner-occupied character and, practically, to fewer homes changing hands in any given season.
The location and the amenities are priced into every listing in Harbor Oaks. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a 40-home community with only 2 active listings, comps are scarce and condition is everything — a stale spec sheet can mislead you by six figures either direction. We underwrite each home on its own updates and bones, tell you honestly where a listing sits against the median, and keep you ready to act when the rare right home comes up.
Harbor Oaks 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 Harbor Oaks 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 Harbor Oaks sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Harbor Oaks, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Harbor Oaks home worth?
Get a no-obligation home value based on real comparable sales in Harbor Oaks, 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 HARBOR OAKS
Homes in HARBOR OAKS 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. 4 on record.
- 1425 Somerville Road · off market
- 1440 Harbor Oaks Road · off market
- 168 Nancy Claire Lane · off market
- 3845 Harbor Drive · off market
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Walton County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Walton County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
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 (2026-10-02).
Frequently Asked Questions
How many homes are in Harbor Oaks?
What share of Harbor Oaks is owner-occupied?
When were the homes in Harbor Oaks built?
Who is the best real estate agent for Harbor Oaks?
How do I find a top Santa Rosa Beach real estate agent who knows Harbor Oaks?
Can Momentum Realty connect me with an agent for Harbor Oaks?
Where is Harbor Oaks, and what county is it in?
Should you buy in Harbor Oaks?
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: October 1, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (2 streets, ZIP 32459/32541)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 1996 (17 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 →
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A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how HARBOR OAKS fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
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