Retreat
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
As of November 2026, Retreat the in Santa Rosa Beach, FL has 4 homes for sale, asking from $6,645,000 to $7,775,000 (median $6,745,000). Over the 12 months ending 2026-11-09, 3 recorded sales closed at a median of $6,075,000, a median 138 days on market, sellers accepting 76% of original asking. Homes listed or recently sold were built 2000–2026 with 1 new construction; 9 of 9 report an HOA (median $542/mo); none of the 9 geocoded homes sit in a FEMA special flood hazard zone (median elevation 22 ft). At the median price and Walton County's FY2025-26 rate of 9.758 mills, annual property tax runs about $59,280 ($58,890 with the full homestead exemption).
Homes For Sale Right Now in Retreat
Live MLS inventory for Retreat. 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 · 97 daysTop listing
Active · 826 days
Active · 166 days
Active · 122 daysActive and pending Retreat listings as of 2026-11-11, 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.
The Retreat is a small, gated stretch of Santa Rosa Beach where the price is driven by scale and location rather than a broad range of product. At a median of $3,775,000 with median living space of 5,560 square feet, this is large-home coastal territory, and the spread between listings comes down to lot position, condition, and build year more than any published tiers. With only 63 homes total and 6 currently active, this is a thin, low-volume market where a single sale moves the picture.
Days on market run around 56, longer than the churn you see in mainstream neighborhoods, which is normal at this size and price and means buyers here have time to underwrite carefully. Sellers should price against genuinely comparable homes and expect a deliberate timeline. A homestead share near 49% tells you this is a mixed owner-occupied and second-home enclave, which matters for how listings come to market and how negotiable they tend to be.
Figures in this note are as of July 25, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Retreat right now
🟢 Buyer-leaning market. 9.6 months of supply and 0% of the inventory already under contract give buyers above-average negotiating leverage.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 November 9, 2026. Confidence: Medium (4 active and pending listings, 3 closed sales in 12 months).
What's unique here: the median sale price is about 9x the typical Walton County sale ($6.08M vs $660K, trailing 12 months, Emerald Coast MLS records).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated November 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
Retreat market snapshot (as of November 9, 2026): the median sale price is about $6.08M, a median 138 days on market for closed sales, and 9.6 months of supply, a buyer-leaning market.
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 3 qualified sales in RETREAT across 2024–2025 (2 in 2024, 1 in 2025), median $8.95M — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Retreat is a community of 63 homes in Santa Rosa Beach, Walton County, built between 2000 and 2024 (median 2009), with a median living area of about 5,560 square feet. 49% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
The Retreat is a compact, gated community of large newer-era coastal homes built between 2000 and 2024, with a median build year of 2009 — meaning most inventory is genuinely modern rather than legacy stock in need of full renovation.
The setting & the homes.
Aerial and on-site photos of Retreat. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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RetreatPhotos from Emerald Coast MLS listings in Retreat; content deemed reliable but not guaranteed.
Who Retreat is best for.
Best for
- Buyers with budgets around the mid-seven-figure median seeking substantial square footage in a gated coastal setting
- Second-home buyers wanting modern construction rather than a renovation project
- Patient buyers who can take advantage of a longer marketing window to underwrite the right home
Probably not for
- Buyers focused on value per square foot or entry-level coastal pricing
- Anyone who needs a rich on-site amenity package, since none surfaced in current listings
- Buyers or sellers who want a fast-moving, high-liquidity market
Retreat 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.
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 Retreat 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 Retreat address.
Shop the zone: Homes zoned for South Walton High School
The Retreat buying strategy.
If we were buying in Retreat 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.
Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.
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 Retreat.
A thin, large-home market
With 63 homes and a median just over 5,500 square feet, this is not a community you shop for value per square foot — you shop it for position and finish. No community amenities surfaced in current MLS listings, so the draw here is the gated setting, the scale of the homes, and the Santa Rosa Beach location rather than a bundled amenity package. Buyers weighing this against amenity-heavy resort communities should factor that in.
Price appreciation of 18% since 2012 is measured for this market and stretch of time, and it reinforces that these homes trade on their own merits rather than a rising-tide narrative. Because so few homes change hands, a serious buyer needs a broker who can read individual comps carefully, and a seller needs one who won't anchor to a stale or dissimilar sale.
The location and the amenities are priced into every listing in Retreat. 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 Retreat 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 3 factors (1.8). Basis: Liquidity & Demand 9.6 months of supply; Owner Commitment 49% owner-occupied; Pricing Power 76.4% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a 63-home community with a handful of active listings and a two-month median marketing time, comps are scarce and easy to misread. We underwrite each home on its own lot, condition, and build year rather than a headline median, and we set expectations for the deliberate pace this price point demands — whether you're buying with time to be selective or selling and need to price against the right handful of homes.
Retreat in 15 seconds.
Tools for a Retreat 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 Retreat sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Retreat, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Retreat home worth?
Get a no-obligation home value based on real comparable sales in Retreat, 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 RETREAT THE
Homes in RETREAT THE 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.
- 244 W Bermuda Drive · off market
- 37 E St Lucia Lane · off market
- 40 Tortola Lane · off market
- 53 E Bermuda Drive · off market
| Location | Santa Rosa Beach, Walton County, FL · ZIP 32459 |
|---|---|
| Homes in the community | 63 (FL DOR 2025 assessment roll) |
| Years built | 2000–2024 (median 2009) |
| Typical living area | 5,560 sq ft (median) |
| Home types (current listings and sales) | detached single family 100% |
| Amenities listed by sellers | Beach, Gated, Pool, Short Term Rental - Not Allowed, Waterfront, Deed Access |
| Sale prices, last 12 months | $6,075,000 median across 3 closed sales |
| Days on market (closed sales) | 138 median |
| For sale right now | 4 active, 0 pending · median asking $6,745,000 · 9.6 months of supply |
| Owner-occupied (homestead) share | 49% |
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, “Retreat key facts,” movewithmomentum.com/neighborhoods/retreat-the, data as of November 9, 2026.
Housing distress & ownership in RETREAT THE, 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.
Just listed in Retreat
The newest homes for sale in Retreat right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 151 E St Lucia $7,775,000 · 6 bd · 8 ba · listed Aug 5, 2026 Courtesy of Pinnacle Beach Properties
- 201 W Bermuda Drive $6,645,000 · 6 bd · 6 ba · listed Jul 11, 2026 Courtesy of RE/MAX by the Sea
- 54 Tortola Lane $6,695,000 · 4 bd · 5.5 ba · listed May 28, 2026 Courtesy of Watersound Real Estate
- 231 W Bermuda Drive $6,795,000 · 6 bd · 6.5 ba · listed Aug 6, 2024 Courtesy of Scenic Sotheby's International Realty
Checked against the MLS nightly. All new listings in this market.
Every Home for Sale in Retreat The Right Now (4)
All 4 active and pending Retreat The listings with a detail page, newest first, refreshed twice a day from the MLS.
- 151 E St Lucia · $7,775,000 · 6 bd / 8 ba · listed Aug 13, 2026 · listed by Pinnacle Beach Properties
- 201 W Bermuda Drive · $6,645,000 · 6 bd / 6 ba · listed Aug 13, 2026 · listed by RE/MAX by the Sea
- 54 Tortola Lane · $6,695,000 · 4 bd / 5.5 ba · listed Aug 13, 2026 · listed by Watersound Real Estate
- 231 W Bermuda Drive · $6,795,000 · 6 bd / 6.5 ba · listed Aug 13, 2026 · listed by Scenic Sotheby's International Realty
Recently sold in Retreat The
- 244 W Bermuda Drive · sold $6,075,000
- 40 Tortola Lane · sold $7,850,000
- 37 E St Lucia Lane · sold $5,725,000
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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What it really costs to own in Retreat
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 $23,925/yr across 3 listings here (MLS tax records, 2026-11-12). |
|---|---|
| HOA dues | Median $6,500/year (about $542/month) across 5 MLS listings (most billed annually; 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 2004 across 5 listings. An original roof here would be about 22 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report, and for replacement where it fails. |
Estimated carrying cost at the median asking price, before the mortgage: about $2,698/month (tax $1,994, HOA $542, insurance $162). An estimate from the sources above, not a quote.
Email me new listings in Retreat
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 Retreat
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Retreat will answer, and the answer is published on this page for the next buyer.
17% 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 (2026-11-11).
Frequently Asked Questions
What is the median home price in Retreat?
How long do homes in Retreat take to sell?
Is Retreat a buyer's or seller's market right now?
How many homes are in Retreat?
What share of Retreat is owner-occupied?
When were the homes in Retreat built?
Who is the best real estate agent for Retreat?
How do I find a top Santa Rosa Beach real estate agent who knows Retreat?
Can Momentum Realty connect me with an agent for Retreat?
Where is Retreat, and what county is it in?
Should you buy in Retreat?
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 11, 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 (3 streets, ZIP 32459)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-11-09 |
| Historical depth | Closed-sale records back to 2026 (3 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?
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The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. A Momentum agent can price yours against live local comps.
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See how RETREAT THE fits the bigger picture — live prices, inventory, and Momentum Scores: