Santa Rosa Island L07
Homes for Sale in Fort Walton Beach, FL
True comps, carrying-cost math, and listings before the portals.
Photo via Emerald Coast MLS
As of September 2026, Santa Rosa Island L07 in Fort Walton Beach, FL has 1 home for sale. Santa Rosa Island L07 is a community in Fort Walton Beach, Okaloosa County, FL. Across Fort Walton Beach as a whole, 270 homes closed in the last 12 months at a median of $365,000, 39 median days on market, with 94 homes for sale today. At that median and Okaloosa County's FY2025-26 rate of 12.89 mills, annual property tax runs about $4,710 ($4,200 with the full homestead exemption).
This is a barrier-island parcel grouping on Santa Rosa Island, and the current picture is thin: a single active listing as of the July 2026 snapshot. With inventory this limited, price here is set less by any neighborhood average and more by the specifics of whatever unit is on the market — its condition, its exposure, and how close it sits to the water. There is no meaningful spread to read from one listing.
For a seller, scarcity can cut in your favor, but it also means your home is being judged on its own merits with few local comparables to anchor the number. For a buyer, patience matters: with one listing, you either want that specific property or you wait for the next one. Move on facts you can verify in person, not on the assumption that more choice is coming soon.
The 60-Second Overview
Santa Rosa Island sits on the Gulf side of Fort Walton Beach in Okaloosa County — a coastal, barrier-island setting where the location itself, not any built amenity package, does the heavy lifting.
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 Santa Rosa Island L07 is best for.
Best for
- Buyers set on a Gulf-side island location who are ready to act on a single opportunity
- Buyers comfortable underwriting coastal insurance and flood costs as part of the deal
- Buyers seeking a second home or coastal getaway who value location over shared amenities
Probably not for
- Buyers who want a deep pool of listings to compare before deciding
- Buyers looking for a managed community with built-in amenities
- Buyers who need predictable local comparables to justify their price
Santa Rosa Island L07 Market Scorecard
Santa Rosa Island L07 is currently a thin data market. Limited supply, a median asking price of $699,000, and homes go under contract in about 154 days.
Typical home value in the 32548 ZIP is $341,402, about 7.2% 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.
Homes For Sale Right Now in Santa Rosa Island L07
Live MLS inventory for Santa Rosa Island L07. 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 Santa Rosa Island L07 listings as of 2026-07-25, 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.
Schools
- Okaloosa County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Elliott Point · Elementary
- Bruner · Middle
- Fort Walton Beach · High
Zoned schools reflect the assignments reported on recent Santa Rosa Island L07 listings and can change; always confirm with Okaloosa County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Santa Rosa Island L07 address.
The Santa Rosa Island L07 buying strategy.
If we were buying in Santa Rosa Island L07 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 Santa Rosa Island L07.
One listing, island math
No community amenities surface from current MLS listings here, which is typical for a barrier-island parcel where the draw is proximity to the Gulf rather than a managed set of shared facilities. Evaluate any home on its own structure, elevation, and access rather than on neighborhood extras.
Because this is coastal Florida, the practical work of buying happens in the details: insurance, flood zone, wind mitigation, and construction type will shape both your carrying cost and your resale audience. Those factors, more than any headline figure, drive what a Santa Rosa Island home is actually worth to you.
The location and the amenities are priced into every listing in Santa Rosa Island L07. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
With a single active listing, there is no room for guesswork. We dig into the property-level specifics — condition, exposure, flood and insurance realities — and tell you plainly whether the one home on the market is worth your move or whether waiting is the smarter play.
Santa Rosa Island L07 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 Santa Rosa Island L07 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 Santa Rosa Island L07 sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Santa Rosa Island L07, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Santa Rosa Island L07 home worth?
Get a no-obligation home value based on real comparable sales in Santa Rosa Island L07, 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 Santa Rosa Island L07 on the map →
Should you buy in Santa Rosa Island L07?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Santa Rosa Island L07 with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | Emerald Coast MLS, refreshed twice daily (last: July 25, 2026) |
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 your area comps.
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