Water Oaks T/H
Homes for Sale in Santa Rosa Beach, FL
True comps, carrying-cost math, and listings before the portals.
Photo via Emerald Coast MLS
As of September 2026, Water Oaks T/H in Santa Rosa Beach, FL has 3 homes for sale. Homes listed or recently sold were built 2014–2014.
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Walton County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Walton County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
WATER OAKS T/H Market Scorecard
WATER OAKS T/H is currently a thin data market. Limited supply, a median asking price of $275,000, and homes go under contract in about 88 days.
Typical home value in the 32459 ZIP is $864,108, about 71.4% 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 Water Oaks T/H
Live MLS inventory for Water Oaks T/H. 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 · 165 daysTop listing
Active · 88 daysActive · 51 daysActive and pending Water Oaks T/H listings as of 2026-09-12, 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.
Water Oaks is a small townhome community in Santa Rosa Beach — 49 homes total, all built in a tight window from 2011 to 2021, with the typical unit around 1,464 square feet. That consistency matters: when the product is this uniform, price is driven less by size or vintage and more by condition, finish level, and where a specific unit sits within the community. There is no median price in this snapshot, so treat any pricing conversation as a comp-by-comp exercise rather than a fixed range.
With only 4 active listings against 49 homes, this is a thin, low-turnover market. That cuts both ways. Sellers benefit from scarcity when a unit is priced right, but a buyer waiting for the exact floor plan or upgrade package may wait a while. Roughly six in ten units are homesteaded, which tells you this is more owner-occupied than pure rental churn — inventory tends to come to market in trickles, not waves.
The 60-Second Overview
Water Oaks is a compact, uniformly built townhome enclave in Santa Rosa Beach — the kind of place where lock-and-leave simplicity and a manageable footprint are the draw, not sprawling square footage.
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.
The setting & the homes.
Aerial and on-site photos of Water Oaks T/H. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Water Oaks T/HWater Oaks T/HWater Oaks T/HPhotos from Emerald Coast MLS listings in Water Oaks T/H; content deemed reliable but not guaranteed.
Who Water Oaks T/H is best for.
Best for
- Buyers wanting a simpler, right-sized townhome as a primary or second home near the coast
- Owner-occupants who value low-maintenance living over sprawling space
- Patient buyers who can wait for the right unit in a low-turnover community
Probably not for
- Buyers who need substantially more than about 1,500 square feet
- Anyone counting on pools, clubhouses, or other community amenities
- Buyers on a tight timeline who need immediate selection across many listings
The market around Water Oaks T/H
Water Oaks T/H is too small for its own price trend, so here is the market around it.
In ZIP 32459, 1,295 homes are on the market and 20% are under contract — a steady corner of Santa Rosa Beach.
Across Walton County, 3,587 homes are active and 907 pending (20% under contract).
ZIP and county figures describe the wider market, not Water Oaks T/H specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in WATER OAKS T/H, 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.
Water Oaks T/H 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 Water Oaks T/H 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 Water Oaks T/H address.
The Water Oaks T/H buying strategy.
If we were buying in Water Oaks T/H 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 Water Oaks T/H.
A small, uniform townhome pocket
The defining feature here is uniformity. Construction spans 2011 to 2021 with a median build year of 2012, and the typical unit runs about 1,464 square feet. That means most homes share a similar era of construction and a similar scale, so the meaningful differences between listings come down to interior updates, care, and placement within the community rather than dramatic size or age gaps.
No community amenities surface in the current MLS listings, so buyers should evaluate this as a straightforward townhome purchase — the value is in the unit itself and the Santa Rosa Beach location, not in a resort-style amenity package. With just 4 units active and an owner-occupied majority, expect limited choice at any given moment and be ready to move when the right one appears.
The location and the amenities are priced into every listing in Water Oaks T/H. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a 49-home community with only a handful of listings live at once, pricing lives and dies on comps and condition. We track what actually trades inside Water Oaks, help sellers position against the true competition, and keep buyers ready to act in a market that rarely gives second chances at the same unit.
Water Oaks T/H 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 Water Oaks T/H 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 Water Oaks T/H sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Water Oaks T/H, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Water Oaks T/H home worth?
Get a no-obligation home value based on real comparable sales in Water Oaks T/H, 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 →
Should you buy in Water Oaks T/H?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Water Oaks T/H with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | Emerald Coast MLS, refreshed twice daily (last: September 12, 2026) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2011 (35 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 WATER OAKS T/H fits the bigger picture — live prices, inventory, and Momentum Scores: