Mosaic Oaks
Homes for Sale in Santa Rosa Beach, FL
All 760 homes for sale in Santa Rosa Beach, FL · median $1,118,000 · 779 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
Over the 12 months ending 2026-11-09, 4 recorded sales closed at a median of $414,000, a median 113 days on market, sellers accepting 94% of original asking. Homes listed or recently sold were built 2013–2016; 5 of 6 report an HOA (median $50/mo); none of the 6 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 $4,040 ($3,650 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.
Figures in this note are as of July 26, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Nearby homes for sale
No active listings inside MOSAIC OAKS right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Mosaic Oaks market snapshot (as of November 9, 2026): the median sale price is about $414K, and a median 113 days on market for closed sales.
In ZIP 32459 (Santa Rosa Beach), 195 homes closed in the last 12 months at a median of $837K, with a median 69 days on market. Right now 159 active and 24 pending listings put supply at about 9.8 months — a soft market. See the live ZIP 32459 housing market and the Walton County market.
County records show 7 qualified sales in MOSAIC OAKS across 2024–2025 (5 in 2024, 2 in 2025), median $409,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Mosaic Oaks is a community of 31 homes in Santa Rosa Beach, Walton County, built between 2008 and 2016 (median 2014), with a median living area of about 2,029 square feet. 68% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
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
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 contributors.
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.
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 all homes for sale in Santa Rosa Beach →
Recently off market in MOSAIC OAKS
Homes in MOSAIC 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.
- 120 Mosaic Oaks Circle · off market
- 130 Mosaic Oaks Circle · off market
- 76 Mosaic Oaks Circle · off market
- 90 Mosaic Oaks Circle · off market
| Location | Santa Rosa Beach, Walton County, FL · ZIP 32459 |
|---|---|
| Homes in the community | 31 (FL DOR 2025 assessment roll) |
| Years built | 2008–2016 (median 2014) |
| Typical living area | 2,029 sq ft (median) |
| Home types (current listings and sales) | detached single family 100% |
| Amenities listed by sellers | Short Term Rental - Not Allowed, Pets Allowed, TV Cable |
| Sale prices, last 12 months | $414,000 median across 4 closed sales |
| Days on market (closed sales) | 113 median |
| For sale right now | 0 active, 0 pending |
| Owner-occupied (homestead) share | 68% |
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, “Mosaic Oaks key facts,” movewithmomentum.com/neighborhoods/mosaic-oaks, data as of November 9, 2026.
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.
Recently sold in Mosaic Oaks
- 130 Mosaic Oaks Circle · sold $429,900
- 90 Mosaic Oaks Circle · sold $400,000
- 76 Mosaic Oaks Circle · sold $403,000
- 120 Mosaic Oaks Circle · sold $425,000
Closed sales from the MLS; each page shows the sold price, taxes and value history.
More Santa Rosa Beach home searches
- All homes for sale in Santa Rosa Beach, FL
- Homes for sale in Walton County, FL
- Santa Rosa Beach pool homes for sale
- Santa Rosa Beach home values: what is my house worth?
- ZIP 32459 housing scorecard
Santa Rosa Beach guides & data
- Market data
- Best neighborhoods (ranked by data)
- Flood zones
- Property taxes (Walton County)
- Homestead exemption (Walton County)
- Home insurance cost
- New construction
- New construction (Walton County)
Florida buyer guides
- Florida home insurance rates by county
- Florida property tax by county
- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
- Florida housing market map
- Interactive housing market map (county, ZIP and community)
- Save Our Homes tax estimator
- How to stop a foreclosure in Florida
- Florida documentary stamp tax, explained
- Cheapest places to live in Florida
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Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Mosaic Oaks Circle (19 homes on record)
- Mosaic Oaks Circle (5 homes on record)
What it really costs to own in Mosaic Oaks
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| Property tax | Current owners' bills run a median of $2,010/yr across 5 listings here (MLS tax records, 2026-11-12). |
|---|---|
| HOA dues | Median $50/month across 5 MLS listings (most billed monthly; 2026-11-12). Dues cover what the documents say they cover; ask for the budget and reserve study. |
| Home and flood insurance | The average Citizens Property Insurance premium in Walton County is $1,942/yr (433 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. |
| Roof and age | Median build year 2015 across 6 listings. An original roof here is about 11 years old: still inside the 15-year window Florida carriers use, but ask for the roof's permit date before you bind coverage. |
Email me new listings in Mosaic Oaks
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Mosaic Oaks
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Mosaic Oaks will answer, and the answer is published on this page for the next buyer.
Frequently Asked Questions
What is the median home price in Mosaic Oaks?
How long do homes in Mosaic Oaks take to sell?
How many homes are in Mosaic Oaks?
What share of Mosaic Oaks is owner-occupied?
When were the homes in Mosaic Oaks built?
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?
Where is Mosaic Oaks, and what county is it in?
Should you buy in Mosaic 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: November 12, 2026) |
| Community market stats | Emerald Coast MLS closed sales, 12-month windows ending 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 (4 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 MOSAIC OAKS fits the bigger picture — live prices, inventory, and Momentum Scores: