The Shoal
Homes for Sale in Santa Rosa Beach, FL
All 844 homes for sale in Santa Rosa Beach, FL · median $1,162,500 · 646 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, the Shoal in Santa Rosa Beach, FL has 4 homes for sale and 1 pending, asking from $745,000 to $921,125 (median $759,000). Over the 12 months ending 2026-09-20, 13 recorded sales closed at a median of $890,000, a median 1 days on market, sellers accepting 100% of original asking (+7% versus the prior year). Homes listed or recently sold were built 2024–2026 with 10 new construction; 1 of the 5 geocoded homes sit in a FEMA special flood hazard zone (median elevation 16 ft). At the median price and Walton County's FY2025-26 rate of 9.758 mills, annual property tax runs about $8,680 ($8,300 with the full homestead exemption).
| Location | Santa Rosa Beach, Walton County, FL · ZIP 32459 |
|---|---|
| Homes in the community | 1 (FL DOR 2025 assessment roll) |
| Home types (current listings and sales) | detached single family 100% |
| Amenities listed by sellers | Short Term Rental - Not Allowed |
| Sale prices, last 12 months | $890,000 median across 13 closed sales · +7.0% vs the prior 12 months |
| Days on market (closed sales) | 1 median |
| For sale right now | 4 active, 1 pending · median asking $759,000 · 4.0 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, “THE SHOAL key facts,” movewithmomentum.com/neighborhoods/the-shoal, data as of September 20, 2026.
Last 30 days in The Shoal: 1 under contract right now, 1 closed sale (median $931,850). As of September 27, 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.
Homes For Sale Right Now in The Shoal
Live MLS inventory for The Shoal. 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 · 30 daysTop listing
Active · 34 days
Active · 205 days
Active · 562 days
Pending · 0 daysActive and pending The Shoal 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 The Shoal Right Now (5)
All 5 active and pending The Shoal listings with a detail page, newest first, refreshed twice a day from the MLS.
- 310 Channel Shoal Drive #Lot 13 · $862,400 · 3 bd / 3 ba · pending · listed Sep 11, 2026 · listed by EXP Realty LLC
- 15 Channel Shoal Drive #Lot 22 · $921,125 · 5 bd / 4.5 ba · listed Aug 21, 2026 · listed by EXP Realty LLC
- 330 Channel Shoal Drive #Lot 15 · $769,000 · 5 bd / 4.5 ba · listed Aug 17, 2026 · listed by EXP Realty LLC
- 192 Channel Shoal Drive #Lot 4 · $749,000 · 5 bd / 4.5 ba · listed Jun 27, 2026 · listed by EXP Realty LLC
- 162 Channel Shoal Drive #Lot 2 · $745,000 · 5 bd / 4.5 ba · listed Jun 27, 2026 · listed by EXP Realty LLC
The Shoal is a thin-inventory pocket in Santa Rosa Beach, and that scarcity is doing most of the work on price. With a median around $874,430 and essentially one home tracked against two active listings, this is not a market you read through averages — it's a market you read one property at a time. Price here is driven by the specific home, its condition, and how close it sits to the coast, not by any predictable tier structure.
Posture right now is tight and fast. A median of roughly one day on market tells you that well-priced product does not sit, and the year-over-year move of 5.2% confirms the direction is up rather than soft. For a buyer, that means being ready to act on the rare listing that fits; for a seller, it means the leverage is real, but with so few comparable closings, pricing the home correctly out of the gate matters more than usual.
The Shoal right now
🟡 Balanced market. 4.0 months of supply and 20% 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: High (5 active and pending listings, 13 closed sales in 12 months).
🟡 Still climbing. The trailing-12-month median ($890K) is up 7.0% from the prior 12 months ($831K). With about a dozen 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: Medium (13 and 13 sales in the two windows).
What's unique here: the median sale price is about 2x the typical Walton County sale ($890K vs $400K, trailing 12 months, Emerald Coast MLS records).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated September 28, 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
The Shoal market snapshot (as of September 20, 2026): the median sale price is about $890K, a median 1 days on market for closed sales, and 4.0 months of supply, a balanced market. The trailing-12-month median is up 7% from the prior 12 months, computed from record-level Emerald Coast MLS closed sales (13 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.
Emerald Coast MLS sales records identify 19 homes in THE SHOAL that have changed hands since 2025, built between 2024 and 2026 (median 2024), with a median living area of about 2,613 sq ft and a typical 5-bedroom, 4.5-bath layout; 100% are single-family homes. Source: Emerald Coast MLS closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
The Shoal is a small, coastal-oriented enclave in Walton County where listings are scarce and turnover is quick — a place defined more by the individual home than by any broad market pattern.
The setting & the homes.
Aerial and on-site photos of The Shoal. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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The ShoalPhotos from Emerald Coast MLS listings in The Shoal; content deemed reliable but not guaranteed.
Who The Shoal is best for.
Best for
- Second-home or coastal-use buyers comfortable underwriting a single property on its merits
- Cash-ready buyers who can move within days of a listing hitting the market
- Buyers targeting the upper-median price point who prioritize location over a shared amenity package
Probably not for
- Buyers who need multiple options to compare before committing
- Buyers seeking on-site community amenities, since none are identified here
- Budget-sensitive buyers looking below the mid-to-upper price band this market commands
Housing distress & ownership in THE SHOAL, 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.
The Shoal 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
- Dune Lakes · Elementary
- Emerald Coast · Middle
- South Walton · High
Zoned schools reflect the assignments reported on recent The Shoal 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 The Shoal address.
Shop the zone: Homes zoned for South Walton High School
The The Shoal buying strategy.
If we were buying in The Shoal 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 The Shoal.
A thin market where every listing counts
With only a handful of homes and closings in the tracking window, The Shoal behaves like a boutique market. There are no community amenities identified from current MLS listings, so what you're buying is the home and the location — proximity to the Santa Rosa Beach coastline and the surrounding Walton County corridor — rather than a shared amenity package. That puts a premium on evaluating each property on its own condition and setting.
Note also that the homestead share here is effectively zero, consistent with a coastal segment weighted toward second homes and non-primary use. That shapes both the pace and the nature of demand: buyers tend to move quickly when the right property surfaces, and with such limited supply, the spread between any two sales can be wide and condition-driven. Expect to underwrite a specific house, not a category.
The location and the amenities are priced into every listing in The Shoal. 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 The Shoal 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 (5.9). Basis: Recent Direction +7.0% year-over-year; Liquidity & Demand 4.0 months of supply; Owner Commitment 0% owner-occupied; Pricing Power 100.0% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a market this thin and this fast, generic comps mislead. We track The Shoal listing by listing, help you judge condition and location against the median rather than a phantom price range, and position you to move the day the right property lists — whether you're buying into scarcity or selling into it.
The Shoal 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 The Shoal 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 The Shoal sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in The Shoal, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your The Shoal home worth?
Get a no-obligation home value based on real comparable sales in The Shoal, 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 THE SHOAL
Homes in THE SHOAL 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. 1 on record.
- 103 Channel Shoal Drive #Lot 16 · off market
THE SHOAL Market Scorecard
THE SHOAL is currently a balanced market. About 4.0 months of supply, a median asking price of $759,000, and homes go under contract in about 128 days.
Typical home value in the 32459 ZIP is $858,444, about 71.1% 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.
Frequently Asked Questions
What is the median home price in The Shoal?
How long do homes in The Shoal take to sell?
Is The Shoal a buyer's or seller's market right now?
How many homes are in The Shoal?
What share of The Shoal is owner-occupied?
Who is the best real estate agent for The Shoal?
How do I find a top Santa Rosa Beach real estate agent who knows The Shoal?
Can Momentum Realty connect me with an agent for The Shoal?
Where is The Shoal, and what county is it in?
Is The Shoal a good place to live?
Should you buy in The Shoal?
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 (2 streets, ZIP 32459)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2025 (26 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 →
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A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how THE SHOAL fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near The Shoal with Momentum Realty’s local guides.