Sea Croft Cottages
Homes for Sale in Santa Rosa Beach, FL
All 848 homes for sale in Santa Rosa Beach, FL · median $1,135,000 · 878 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 September 2026, Sea Croft Cottages in Santa Rosa Beach, FL has 1 home for sale. Over the 12 months ending 2026-09-20, 5 recorded sales closed at a median of $1,900,000, a median 14 days on market, sellers accepting 98% of original asking (+3% versus the prior year). Homes listed or recently sold were built 2024–2026 with 3 new construction; none of the 6 geocoded homes sit in a FEMA special flood hazard zone (median elevation 38 ft). At the median price and Walton County's FY2025-26 rate of 9.758 mills, annual property tax runs about $18,540 ($18,150 with the full homestead exemption).
| Location | Santa Rosa Beach, Walton County, FL · ZIP 32459 |
|---|---|
| Homes in the community | 7 (FL DOR 2025 assessment roll) |
| Years built | 1997–2024 (median 2020.5) |
| Typical living area | 3,354 sq ft (median) |
| Home types (current listings and sales) | detached single family 100% |
| Amenities listed by sellers | Pets Allowed, Short Term Rental - Allowed, Fire Alarm |
| Sale prices, last 12 months | $1,900,000 median across 5 closed sales · +3.3% vs the prior 12 months |
| Days on market (closed sales) | 14 median |
| For sale right now | 1 active, 1 pending · median asking $1,975,000 · 3.0 months of supply |
| Owner-occupied (homestead) share | 0% |
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, “Sea Croft Cottages key facts,” movewithmomentum.com/neighborhoods/sea-croft-cottages, data as of September 20, 2026.
Last 30 days in Sea Croft Cottages: 1 under contract right now, 1 closed sale (median $2,200,000). As of September 28, 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.
Sea Croft Cottages is a small pocket in Santa Rosa Beach where the median sits near $1.82M. With inventory this thin — just a couple of active listings — the number you see reflects a handful of sales, not a deep, statistically settled market. Price here is driven by the cottage itself: condition, finish level, proximity to the coast, and how recently a home has been updated. Treat the median as a directional signal, not a fixed benchmark.
The current posture is fast but softer year over year. Homes are moving in about 7 days once priced correctly, yet the median is down 4.4% from a year ago. For buyers, that means competition on the right listing but some room to be selective on price. For sellers, speed is available if the home is priced to the current market rather than last year's peak.
Sea Croft Cottages right now
🟡 Balanced market. 3.0 months of supply and 50% of the inventory already under contract put buyers and sellers on roughly even footing.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 September 20, 2026. Confidence: Medium (2 active and pending listings, 5 closed sales in 12 months).
🟡 Still climbing. The trailing-12-month median ($1.90M) is up 3.3% from the prior 12 months ($1.84M). With about 3 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 20. Confidence: Low (5 and 5 sales in the two windows).
What's unique here: the median sale price is about 5x the typical Walton County sale ($1.90M vs $400K, trailing 12 months, Emerald Coast MLS records).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated September 29, 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
Sea Croft Cottages market snapshot (as of September 20, 2026): the median sale price is about $1.90M, a median 14 days on market for closed sales, and 3.0 months of supply, a balanced market. The trailing-12-month median is up 3% from the prior 12 months, computed from record-level Emerald Coast MLS closed sales (5 closings in the current window).
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.
County records show 5 qualified sales in Sea Croft Cottages across 2024–2025 (1 in 2024, 4 in 2025), median $1.84M — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Sea Croft Cottages is a community of 7 homes in Santa Rosa Beach, Walton County, built between 1997 and 2024 (median 2020.5), with a median living area of about 3,354 square feet. 0% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
This is a low-volume, high-price-point enclave in Walton County — the kind of market where a single listing's condition can move the whole picture, so read each home on its own merits rather than the community average.
The setting & the homes.
Aerial and on-site photos of Sea Croft Cottages. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Sea Croft CottagesPhotos from Emerald Coast MLS listings in Sea Croft Cottages; content deemed reliable but not guaranteed.
Who Sea Croft Cottages is best for.
Best for
- Buyers with a budget near or above the mid-seven-figure median seeking a coastal cottage
- Second-home or investment buyers who can act quickly when the right listing appears
- Buyers who value location and the home itself over community amenities
Probably not for
- Buyers needing a broad range of inventory to compare before committing
- Buyers whose budget sits well below the community median
- Buyers who want shared facilities or an amenity-driven community
Housing distress & ownership in Sea Croft Cottages, 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 Sea Croft Cottages
Live MLS inventory for Sea Croft Cottages. 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 Sea Croft Cottages listings as of 2026-09-28, 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 Sea Croft Cottages Right Now (2)
All 2 active and pending Sea Croft Cottages listings with a detail page, newest first, refreshed twice a day from the MLS.
- 68 Sea Croft Cove · $2,550,000 · 8 bd / 8 ba · pending · listed Sep 11, 2026 · listed by Hewitt Real Estate Inc
- 50 Sea Croft Cove · $1,975,000 · 7 bd / 7.5 ba · listed Aug 4, 2026 · listed by Mainsail Realty Company
Sea Croft Cottages 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 Sea Croft Cottages 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 Sea Croft Cottages address.
Shop the zone: Homes zoned for South Walton High School
The Sea Croft Cottages buying strategy.
If we were buying in Sea Croft Cottages 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 Sea Croft Cottages.
A thin-inventory coastal pocket
With only two active listings and a small closings window, Sea Croft Cottages trades in bursts. When a home hits the market and is priced right, the roughly one-week median days-on-market shows how little hesitation there is. When it isn't, it can sit — there's no volume to hide a mispriced listing behind.
No community amenities show up in current MLS data, so the value proposition rests on the homes and the Santa Rosa Beach location rather than shared facilities. That keeps the analysis simple: what you're buying is the cottage and its position, and the wide spread you'd expect at this price point is almost entirely condition- and finish-driven.
The location and the amenities are priced into every listing in Sea Croft Cottages. 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 Sea Croft Cottages 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 4 factors (5.6). Basis: Recent Direction +3.3% year-over-year; Liquidity & Demand 3.0 months of supply; Owner Commitment 0% owner-occupied; Pricing Power 97.7% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a market this small, averages lie and individual listings tell the truth. We track every closing in the pocket, read each home's condition against the median, and tell you plainly whether a price reflects the market or a seller's hope — and whether the fast days-on-market means you need to move now or hold.
Sea Croft Cottages 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 Sea Croft Cottages 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 Sea Croft Cottages sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Sea Croft Cottages, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Sea Croft Cottages home worth?
Get a no-obligation home value based on real comparable sales in Sea Croft Cottages, 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 Sea Croft Cottages
Homes in Sea Croft Cottages 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. 2 on record.
- 20 Sea Croft Cove · off market
- 56 Sea Croft Cove · off market
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 (2026-09-29).
Frequently Asked Questions
What is the median home price in Sea Croft Cottages?
How long do homes in Sea Croft Cottages take to sell?
Is Sea Croft Cottages a buyer's or seller's market right now?
How many homes are in Sea Croft Cottages?
What share of Sea Croft Cottages is owner-occupied?
When were the homes in Sea Croft Cottages built?
Who is the best real estate agent for Sea Croft Cottages?
How do I find a top Santa Rosa Beach real estate agent who knows Sea Croft Cottages?
Can Momentum Realty connect me with an agent for Sea Croft Cottages?
Where is Sea Croft Cottages, and what county is it in?
Is Sea Croft Cottages a good place to live?
Should you buy in Sea Croft Cottages?
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: September 28, 2026) |
| Community market stats | Emerald Coast MLS closed sales, 12-month windows ending September 20, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (1 streets, ZIP 32459)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2024 (10 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.
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See how Sea Croft Cottages fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Sea Croft Cottages
- Find an agent · How to choose the best real estate agent in Sea Croft Cottages
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