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.
179 waterfront homes are for sale or pending in Santa Rosa Beach, FL today across 109 communities. The median asking price is $2,200,000, from $259,900 to $19,995,000. Listings in Santa Rosa Beach without that feature have a median of $999,000. Most listings right now: Driftwood Estates (8), Driftwood Estates (8), Dune Allen (5). Updated September 27, 2026 from the MLS.
Live waterfront homes in Santa Rosa Beach: the listings
106 active listings carry the flag today (16% of Santa Rosa Beach inventory), median asking $1,679,500, median 119 days on market. Photo cards link to the listing; refreshed nightly.
Newest waterfront homes in Santa Rosa Beach
The most expensive waterfront homes in Santa Rosa Beach
| Listing | Asking | Sq ft | Community |
|---|---|---|---|
| 285 Twisted Pine Trail | $16,900,000 | — | Four Mile Village |
| 2708 E County Highway 30A | $14,999,900 | — | Seagrove |
| 41 Sea Walk Circle | $14,995,000 | — | Sea Walk |
| 442 Nicole Forest Drive | $14,500,000 | — | Estuary S/D |
| 4895 W County Hwy 30A | $11,900,000 | — | Spires |
| 26 Azzurro Way | $11,700,000 | — | Beachside Estates |
| 2130 E Co Highway 30A | $11,598,750 | — | Seaside |
| 147 Ansley Forest Drive | $10,999,000 | — | Estuary S/D |
| 51 S Andalusia Avenue | $10,899,000 | — | Seahighland |
| 58 Montgomery Street | $9,200,000 | — | Seahighland |
Waterfront Homes by price
| Band | For sale | Share |
|---|---|---|
| Under $300K | 1 | 1% |
| $300K–$500K | 4 | 4% |
| $500K–$750K | 14 | 13% |
| $750K–$1M | 10 | 9% |
| $1M+ | 77 | 73% |
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 | $3,087,499 | $499,993 |
| Driftwood Estates | 8 | 0 | $707,250 | $505,000 |
| Dune Allen | 5 | 0 | $7,995,000 | $2,490,000 |
| Blue Mountain Beach | 5 | 0 | $4,200,000 | $2,395,000 |
| Dunes Of Seagrove | 4 | 0 | $1,245,000 | $950,000 |
| Sanctuary At Redfish | 4 | 0 | $967,000 | $899,000 |
| Eagle Bay | 4 | 0 | $812,000 | $794,500 |
| Grayton Beach | 3 | 0 | $10,500,000 | $5,950,000 |
| Retreat The | 3 | 0 | $6,895,000 | $6,795,000 |
| Beachside Estates | 3 | 0 | $5,850,000 | $5,850,000 |
| Sanctuary By The Sea Condo | 3 | 0 | $2,700,000 | $2,399,000 |
| No Recorded Subdivision | 3 | 0 | $2,200,000 | $397,000 |
| Daughettes Amended | 3 | 0 | $1,600,000 | $1,175,000 |
| Naturewalk At Seagrove | 3 | 0 | $1,320,000 | $1,259,000 |
| One Seagrove Place Condominium | 3 | 0 | $1,040,000 | $975,000 |
| Estuary S/D | 2 | 0 | $12,749,500 | $10,999,000 |
| Seahighland | 2 | 0 | $10,049,500 | $9,200,000 |
| Watercolor | 2 | 0 | $4,722,500 | $4,695,000 |
| The Woods | 2 | 0 | $3,274,450 | $2,799,000 |
| Seagrove Shores 4Th Add | 2 | 0 | $3,264,500 | $1,580,000 |
| Eden Estates S/D | 2 | 0 | $3,145,000 | $2,395,000 |
| Eastern Lake S/D | 2 | 0 | $2,697,500 | $2,295,000 |
| Bay Pine Shores | 2 | 0 | $2,272,500 | $1,395,000 |
| Seagrove Dune T/H | 2 | 0 | $2,248,750 | $1,998,500 |
| Magnolia Beach | 2 | 0 | $1,247,000 | $1,195,000 |
| Mar-A-Lago | 2 | 0 | $1,059,500 | $1,020,000 |
| Sacred Oaks Ph 2 | 2 | 0 | $1,040,000 | $895,000 |
| Santa Rosa Plantation | 2 | 0 | $1,019,450 | $639,900 |
| One Seagrove Place Condo | 2 | 0 | $1,012,500 | $975,000 |
| Town Of Santa Rosa | 2 | 0 | $747,250 | $499,500 |
| Whispering Lake | 2 | 0 | $612,400 | $539,900 |
| Escada S/D | 2 | 0 | $530,500 | $486,000 |
| Four Mile Village | 1 | 0 | $16,900,000 | $16,900,000 |
| 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 | $11,900,000 | $11,900,000 |
| Seaside 11 | 1 | 0 | $11,598,750 | $11,598,750 |
| Seaside 10 | 1 | 0 | $8,900,000 | $8,900,000 |
| Costera | 1 | 0 | $8,500,000 | $8,500,000 |
| Seagrove Beach | 1 | 0 | $7,995,000 | $7,995,000 |
| Santa Rosa Dunes | 1 | 0 | $7,250,000 | $7,250,000 |
| Spires Second Addition | 1 | 0 | $6,999,000 | $6,999,000 |
| Oceanside Subdivision | 1 | 0 | $6,800,000 | $6,800,000 |
| Bay Pines | 1 | 0 | $6,788,000 | $6,788,000 |
| Bay Pines | 1 | 0 | $6,788,000 | $6,788,000 |
| Beach Highlands | 1 | 0 | $5,995,000 | $5,995,000 |
| Old Miller Place | 1 | 0 | $5,325,000 | $5,325,000 |
| Thirty One | 1 | 0 | $5,250,000 | $5,250,000 |
| Watercolor | 1 | 0 | $4,750,000 | $4,750,000 |
| Santa Rosa Beach Estates | 1 | 0 | $4,750,000 | $4,750,000 |
| Thirty One, A Condominium Development | 1 | 0 | $4,590,000 | $4,590,000 |
| Watercolor | 1 | 0 | $4,000,000 | $4,000,000 |
| Watercolor | 1 | 0 | $4,000,000 | $4,000,000 |
| Santa Rosa Dunes | 1 | 0 | $3,999,999 | $3,999,999 |
| Churchill Oaks | 1 | 0 | $3,999,000 | $3,999,000 |
| SEAGROVE BEACH South of 30A | 1 | 0 | $3,998,000 | $3,998,000 |
| Lakewood Pointe Estates | 1 | 0 | $3,950,000 | $3,950,000 |
| Mikerri Acres Unrec | 1 | 0 | $3,795,000 | $3,795,000 |
| Cessna Landing | 1 | 0 | $3,390,000 | $3,390,000 |
| Eastern Lake | 1 | 0 | $3,250,000 | $3,250,000 |
Also with waterfront homes for sale
- Unrecorded Subdivision (1)
- Turtle Beach Condo (1)
- Eastern Lake Estates (1)
- Gulf Hills Estates Unrec (1)
- Sacred Oaks Phase 1 (1)
- Emerald Surf Villas (1)
- Churchill Bayou Estates (1)
- Country Club Hills (1)
- Dune Allen 2Nd Addn (1)
- Park Place On Seagrove Beach (1)
- Country Club Hills (1)
- Lakeplace At Grayton Beach (1)
- Fox Lake S/D Ph 1 (1)
- Legacy The (1)
- Forest Lakes (1)
- Santa Rosa Bch Est (1)
- Lakeside At Blue Mountain Beach (1)
- Hatchee Shores (1)
- San Remo (1)
- San Remo (1)
- Forest Lakes (1)
- Lakewood Of Seagrove Beach (1)
- Holley Grove at Peach Grove (1)
- Holley Grove (1)
- Holley Grove at Peach Creek (1)
- Mussett Bayou Estates (1)
- Beachcrest Condo (1)
- One Seagrove Place (1)
- One Seagrove Place (1)
- Emerald Hill Condo Ph 2 (1)
- Peach Creek, Phase 4 (1)
- Commodore'S Retreat Limited C (1)
- Cessna Village (1)
- Leeward Condo 2 (1)
- Palms At Seagrove Condo (1)
- Peach Creek Ph 5 (1)
- Palms At Seagrove Condo Unit D (1)
- Arroya Cassa (1)
- Mills Bayou (1)
- Mills Bayou (1)
- Treasure Trove Estates (1)
- Paradise Cove (1)
- Harbor Oaks (1)
- Bungalows At Seagrove Beach (1)
- Gulf Place Cabanas Condo (1)
- Kara Lake Townhomes (1)
- Kara Lake Townhomes (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
- All homes for sale in Santa Rosa Beach
- Santa Rosa Beach gated community homes
- Santa Rosa Beach 4-bedroom homes
- Santa Rosa Beach homes under $300K
- Santa Rosa Beach homes $300K–$500K
- Waterfront Homes in every city
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.