For sale Home

Listed Jan 22, 2026

$1,195,000 Est. $7,904/mo

103 Native Tree Lane

  • 2

    Beds

  • 2

    Baths

  • 1,221

    Sq ft

The story

  • Pool
  • Waterfront

This contemporary 2-bedroom bay front bungalow is situated directly on Choctawhatchee Bay with direct water access and a private dock. The property features unobstructed views that stretch across the bay. The concrete block construction and 20-foot hurricane-grade windows provide durability while framing water vistas from nearly every angle. The open-concept living space flows to outdoor areas featuring a 75-foot dock with bay access and a firepit overlooking the water. The property includes generous storage and parking space for boats, kayaks, paddleboards, and recreational equipment. The modern kitchen and living area offer water views and a functional layout. Access fantastic dining, shopping and entertainment via water in Sandestin, the Destin Harbor, Saint Andrews Bay and more! Native Tree Lane is located in Santa Rosa Beach with proximity to the beaches of Grayton Beach, the shopping and dining destinations along 30A and Grand Boulevard, and the trails of Point Washington State Forest.

Facts & features

Home type

Home

Year built

2017

Floors

2

Price per sq ft

$979

Included features

  • Pool

    Yes

  • Cooling

    Central Air

  • Appliances

    Dryer, Refrigerator, Stove/Oven Electric, Washer

  • Lot Information

    Survey Available, Within 1/2 Mile to Water

  • Exterior

    Boatlift, Dock

Mortgage calculator

Estimated monthly payment

$7,904 /mo

7% rate · 30-yr fixed · 20% down

  • Principal & interest $6,360
  • Property tax $1,195
  • Insurance $349

Includes principal, interest, taxes & insurance.

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Listing Broker

Christies International Real Estate Emerald Coast

Broker Name

Christies International Real Estate Emerald Coast

Agent

Blankenship Watkins Advisory Group