Mosaic Oaks
Homes for Sale in Santa Rosa Beach, FL
True comps, carrying-cost math, and listings before the portals.
Photo via Emerald Coast MLS
Over the 12 months ending 2026-09-12, 5 recorded sales closed at a median of $403,000, a median 108 days on market, sellers accepting 95% of original asking (-2% versus the prior year). Homes listed or recently sold were built 2013–2016; none of the 4 geocoded homes sit in a FEMA special flood hazard zone (median elevation 13 ft). At the median price and Walton County's FY2025-26 rate of 9.758 mills, annual property tax runs about $3,930 ($3,550 with the full homestead exemption).
Mosaic Oaks is a thin-inventory community right now, with just two active listings and two recent closings on record. In a market this small, no median price is published here, so what a home sells for is driven almost entirely by its own condition, lot, and finishes rather than by any broad community trend. Treat each listing as its own negotiation, not a data point in a large sample.
For sellers, low competition can work in your favor, but with so few comparable sales the burden is on pricing to the actual home. For buyers, the short supply means you may wait for the right unit rather than choose among many. Patience and a willingness to move when the right property lists both matter more here than in a deeper market.
Mosaic Oaks right now
🟡 Off the recent peak. The trailing-12-month median ($403K) is down 1.5% from the prior 12 months ($409K). With about 2 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 12. Confidence: Low (5 and 5 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated September 12, 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
Mosaic Oaks market snapshot (as of September 12, 2026): the median sale price is about $403K, and a median 108 days on market for closed sales. The trailing-12-month median is down 2% from the prior 12 months, computed from record-level Emerald Coast MLS closed sales (5 closings in the current window).
Mosaic Oaks is a small community in Santa Rosa Beach, Walton County, currently showing two active listings and two recent closings. With no shared amenities identified from current MLS listings, the value story rests on the individual homes themselves.
The setting & the homes.
Aerial and on-site photos of Mosaic Oaks. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Mosaic OaksPhotos from Emerald Coast MLS listings in Mosaic Oaks; content deemed reliable but not guaranteed.
Who Mosaic Oaks is best for.
Best for
- Buyers targeting a particular home in Santa Rosa Beach who can wait for the right listing
- Buyers comfortable underwriting a purchase on the individual property rather than community-wide stats
- Sellers who want careful, comp-driven pricing in a low-inventory setting
Probably not for
- Buyers who need a wide selection of active listings to compare
- Buyers who prioritize shared community amenities
- Anyone who wants a large, established sales history to guide their offer
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 12 of each year, from record-level Emerald Coast MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($403K) IS the median in the snapshot above, and the move from 2025 ($409K) IS the -1.5% one-year change.
Windows contain 0 to 11 sales each (5 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.
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.
MOSAIC OAKS Market Scorecard
MOSAIC OAKS is currently a no active listings market. Limited supply, a median asking price of n/a.
Typical home value in the 32459 ZIP is $864,108, about 71.4% above the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Housing distress & ownership in MOSAIC 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 Mosaic Oaks
Live MLS inventory for Mosaic 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 Mosaic Oaks listings as of 2026-09-12, 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.
Mosaic Oaks 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 Mosaic 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 Mosaic Oaks address.
The Mosaic Oaks buying strategy.
If we were buying in Mosaic 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 Mosaic Oaks.
A thin-inventory pocket in Santa Rosa Beach
The current MLS snapshot shows no community amenities for Mosaic Oaks, so this is a place you buy for the home and the location within Santa Rosa Beach, not for shared facilities. That keeps the focus squarely on structure, lot, and condition when you evaluate any listing.
With only two active listings and a two-closing window, price discovery here is inherently noisy. Rather than lean on a community-wide figure, we underwrite each property against nearby Walton County comps and its own specifics. That approach is slower but far more accurate in a market this small.
The location and the amenities are priced into every listing in Mosaic Oaks. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a community with this little transaction data, guesswork is expensive. We price and negotiate off the specific home in front of us and the broader Santa Rosa Beach and Walton County context, not off a thin sample. That discipline protects buyers from overpaying and helps sellers avoid mispricing when there is almost nothing to compare against.
Mosaic 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 Mosaic 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 Mosaic Oaks sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Mosaic 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 Mosaic Oaks home worth?
Get a no-obligation home value based on real comparable sales in Mosaic 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 homes for sale in Mosaic Oaks on the map →
Frequently Asked Questions
What is the median home price in Mosaic Oaks?
How long do homes in Mosaic Oaks take to sell?
Who is the best real estate agent for Mosaic Oaks?
How do I find a top Santa Rosa Beach real estate agent who knows Mosaic Oaks?
Can Momentum Realty connect me with an agent for Mosaic Oaks?
Should you buy in Mosaic Oaks?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Mosaic Oaks with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | Emerald Coast MLS, refreshed twice daily (last: September 12, 2026) |
| Community market stats | Emerald Coast MLS closed sales, 12-month windows ending September 12, 2026 |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2013 (46 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 MOSAIC OAKS fits the bigger picture — live prices, inventory, and Momentum Scores: