Waterfront Homes for Sale in Santa Rosa Beach, FL
This page tracks every Santa Rosa Beach listing whose MLS record reports waterfront (ocean, bay, Intracoastal, river, canal or lake frontage), by community, with live counts and asking prices, and the costs that come with the water.
281 waterfront homes are for sale or pending in Santa Rosa Beach, FL today across 176 communities. The median asking price is $1,995,000, from $277,500 to $19,995,000. Most listings right now: Driftwood Estates (8), Sanctuary At Redfish (7), Driftwood Estates (6). Updated September 8, 2026 from the MLS.
Santa Rosa Beach waterfront homes by community
Click a community for its full guide: prices, HOA reality, insurance posture and the homes for sale. The 60 communities with the most waterfront homes listed are tabled; the rest follow.
| Community | Waterfront Homes | New build | Median list | From |
|---|---|---|---|---|
| Driftwood Estates | 8 | 0 | $707,250 | $505,000 |
| Sanctuary At Redfish | 7 | 0 | $985,000 | $920,000 |
| Driftwood Estates | 6 | 0 | $3,087,499 | $599,900 |
| Daughettes Amended | 6 | 0 | $1,247,500 | $825,000 |
| Dune Allen | 5 | 0 | $7,995,000 | $2,490,000 |
| Retreat The | 5 | 0 | $7,485,000 | $6,795,000 |
| Blue Mountain Beach | 5 | 0 | $4,350,000 | $2,395,000 |
| Sanctuary At Redfish | 5 | 0 | $985,000 | $899,000 |
| Retreat The | 4 | 0 | $6,895,000 | $6,495,000 |
| Dunes Of Seagrove | 4 | 0 | $1,245,000 | $975,000 |
| Grayton Beach | 3 | 0 | $11,499,999 | $5,950,000 |
| Beachside Estates | 3 | 0 | $5,850,000 | $5,850,000 |
| Beachside Estates | 3 | 0 | $5,850,000 | $5,850,000 |
| Churchill Oaks | 3 | 0 | $3,995,000 | $2,995,000 |
| Eden Estates S/D | 3 | 0 | $3,895,000 | $2,395,000 |
| Sanctuary By The Sea Condo | 3 | 0 | $2,700,000 | $2,399,000 |
| No Recorded Subdivision | 3 | 0 | $2,200,000 | $397,000 |
| Naturewalk At Seagrove | 3 | 0 | $1,320,000 | $1,259,000 |
| Eagle Bay | 3 | 0 | $825,000 | $799,000 |
| Eagle Bay | 3 | 0 | $825,000 | $799,000 |
| Estuary S/D | 2 | 0 | $12,749,500 | $10,999,000 |
| Old Florida Beach | 2 | 0 | $10,150,000 | $7,900,000 |
| Seahighland | 2 | 0 | $10,049,500 | $9,200,000 |
| Seahighland | 2 | 0 | $10,049,500 | $9,200,000 |
| Thirty One, A Condominium Development | 2 | 0 | $4,992,500 | $4,590,000 |
| Watercolor | 2 | 0 | $4,722,500 | $4,695,000 |
| The Woods | 2 | 0 | $3,339,950 | $2,900,000 |
| The Woods | 2 | 0 | $3,314,450 | $2,849,000 |
| Seagrove Shores 4Th Add | 2 | 0 | $3,284,500 | $1,580,000 |
| Seagrove Shores 4Th Add | 2 | 0 | $3,284,500 | $1,580,000 |
| Lakewood Pointe Estates | 2 | 0 | $2,972,500 | $1,995,000 |
| Eastern Lake S/D | 2 | 0 | $2,775,000 | $2,450,000 |
| Eastern Lake S/D | 2 | 0 | $2,775,000 | $2,450,000 |
| Bay Pine Shores | 2 | 0 | $2,272,500 | $1,395,000 |
| Bay Pine Shores | 2 | 0 | $2,272,500 | $1,395,000 |
| Seagrove Dune T/H | 2 | 0 | $2,248,750 | $1,998,500 |
| Seagrove Dune T/H | 2 | 0 | $2,248,750 | $1,998,500 |
| Sea Bluffs Condo Phase II | 2 | 0 | $1,999,000 | $1,999,000 |
| Daughettes Amended | 2 | 0 | $1,797,500 | $1,600,000 |
| Naturewalk At Seagrove | 2 | 0 | $1,487,000 | $1,299,000 |
| Magnolia Beach | 2 | 0 | $1,247,000 | $1,195,000 |
| Highland Parks | 2 | 0 | $1,107,500 | $975,000 |
| Dunes Of Seagrove | 2 | 0 | $1,100,000 | $975,000 |
| Mar-A-Lago | 2 | 0 | $1,079,500 | $1,020,000 |
| Sacred Oaks Ph 2 | 2 | 0 | $1,040,000 | $895,000 |
| One Seagrove Place Condominium | 2 | 0 | $1,015,000 | $985,000 |
| One Seagrove Place Condo | 2 | 0 | $1,012,500 | $975,000 |
| Town Of Santa Rosa | 2 | 0 | $747,250 | $499,500 |
| Harbor Oaks | 2 | 0 | $689,950 | $650,000 |
| Bungalows At Seagrove Beach | 2 | 0 | $631,900 | $599,800 |
| Whispering Lake | 2 | 0 | $612,400 | $539,900 |
| Escada | 2 | 0 | $559,950 | $470,000 |
| Escada S/D | 2 | 0 | $530,500 | $486,000 |
| Four Mile Village | 1 | 0 | $16,900,000 | $16,900,000 |
| Four Mile Village | 1 | 0 | $16,900,000 | $16,900,000 |
| Sea Walk | 1 | 0 | $15,500,000 | $15,500,000 |
| Seagrove 1St Addn | 1 | 0 | $14,999,900 | $14,999,900 |
| Sea Walk | 1 | 0 | $14,995,000 | $14,995,000 |
| Spires Second Add S/D | 1 | 0 | $12,700,000 | $12,700,000 |
| Spires Second Add S/D | 1 | 0 | $11,900,000 | $11,900,000 |
Also with waterfront homes for sale: Seaside 11 (1), Seaside 10 (1), Costera (1), Costera (1), Seagrove 3Rd Addn (1), Seagrove 2Nd Addn (1), Seagrove 2Nd Addn (1), Santa Rosa Dunes (1), Spires Second Addition (1), Oceanside Subdivision (1), Oceanside Subdivision (1), Bay Pines (1), Bay Pines (1), Beach Highlands (1), Beach Highlands (1), Old Miller Place (1), Thirty One (1), Thirty One (1), Draper Lake Coastal Village (1), Watercolor (1), Santa Rosa Beach Estates (1), SEAGROVE BEACH South of 30A (1), Santa Rosa Dunes (1), Watercolor (1), Watercolor (1), Santa Rosa Dunes (1), Churchill Oaks (1), Lakewood Pointe Estates (1), Mikerri Acres Unrec (1), Cessna Landing (1), Cessna Landing (1), Churchill Bayou Estates (1), Turtle Beach Condo (1), Eastern Lake Estates (1), Gulf Hills Estates Unrec (1), Pelican Bay (1), Pelican Bay (1), Eden Estates S/D (1), Lakeplace At Grayton Beach (1), Sacred Oaks Phase 1 (1), Sacred Oaks Phase 1 (1), Emerald Surf Villas (1), Eastern Lake Estates (1), Country Club Hills (1), Dune Allen 2Nd Addn (1), Park Place On Seagrove Beach (1), Hewett Bayou (1), Country Club Hills (1), Fox Lake S/D Ph 1 (1), Legacy The (1), Legacy The (1), Forest Lakes (1), The Hammocks Of Seagrove (1), Santa Rosa Bch Est (1), Santa Rosa Bch Est (1), Hatchee Shores (1), Seagrove Beach Dune Villas (1), Sugar Dunes Condo (1), Hatchee Shores (1), Woodland Bayou Estates (1), Woodland Bayou Estates (1), San Remo (1), San Remo (1), Santa Rosa Plantation (1), Santa Rosa Plantation (1), Adagio (1), Adagio (1), Forest Lakes (1), Bayou Pines Unrec (1), Holley Grove at Peach Grove (1), Santa Rosa Ridge Unit 4 (1), Santa Rosa Ridge Unit 4 (1), Holley Grove at Peach Creek (1), Holley Grove (1), Holley Grove at Peach Creek (1), Highland Parks (1), Holley Grove (1), Magnolia Beach (1), Mussett Bayou Estates (1), Mussett Bayou Estates (1), Beachcrest Condo (1), Pelican Bay S/D (1), Mar-A-Lago (1), One Seagrove Place (1), One Seagrove Place (1), One Seagrove Place (1), One Seagrove Place (1), Old Florida Village (1), Emerald Hill Condo Ph 2 (1), Sacred Oaks Ph 2 (1), Cessna Village (1), Peach Creek, Phase 4 (1), Cessna Village (1), Leeward Condo 2 (1), Palms At Seagrove Condo (1), Arroya Cassa (1), Arroya Cassa (1), Peach Creek Ph 5 (1), Peach Creek Ph 5 (1), Palms At Seagrove Condo Unit D (1), Mills Bayou (1), Whispering Lake (1), Brizo (1), Hidden Harbor Estates (1), Hidden Harbor Estates (1), Mills Bayou (1), Harbor Oaks (1), Treasure Trove Estates (1), Paradise Cove (1), Escada S/D (1), Kara Lake Townhomes (1), Kara Lake Townhomes (1), Escada (1), Eden Parc (1), Eden Parc (1), Miller's Crossing (1).
What waterfront ownership really costs
Waterfront homes carry costs inland homes do not: flood insurance where the parcel sits in a FEMA special flood hazard area, higher windstorm premiums closer to open water, and upkeep for seawalls, docks and lifts. Before you offer, pull the FEMA flood zone for the specific parcel, ask for the seawall’s age and any inspection reports, and get an insurance quote in hand, not an estimate. Our flood insurance calculator and wind mitigation savings calculator show what the parcel will actually cost to insure.
Questions to ask about any waterfront listing
Is the water frontage deeded or association-owned? Is there a fixed bridge between the dock and open water, and what is the clearance? What did the seller pay for flood and wind coverage last year, and with which carriers? Has the seawall or dock been permitted and inspected? What is the finished-floor elevation? A local agent who works waterfront deals will know which canals hold depth at low tide and which carriers are writing in the area.
Common questions
How many waterfront homes are for sale in Santa Rosa Beach?
What do waterfront homes cost in Santa Rosa Beach?
Which Santa Rosa Beach community has the most waterfront homes for sale?
Is a waterfront home always in a flood zone?
Keep exploring Santa Rosa Beach
Live data: Emerald Coast AOR, refreshed with every MLS pull; this page rebuilds on every ship. Community-level aggregates only: active and pending residential listings in Santa Rosa Beach, FL whose MLS record reports waterfront. Prices are asking prices, not values. Property features and prices only; nothing on this page describes residents. Equal Housing Opportunity.