For sale Home

Listed Apr 6, 2026

$435,000 Est. $2,877/mo

191 Water Oaks Loop

  • 3

    Beds

  • 3

    Baths

  • 1,417

    Sq ft

The story

Never lived in 2021-built Florida cottage in a non-short-term rental community in Santa Rosa Beach, offering a quiet residential setting just minutes from 30A and local hotspots. Originally held off-market as the builder's office, this home presents as new with a clean, well-maintained interior and no prior occupancy. The 3-bedroom, 2.5-bath layout spans approximately 1,417 square feet with an open-concept living area, tray ceilings, and abundant natural light. The kitchen features white shaker cabinetry, solid surface countertops, stainless steel appliances, and a large island overlooking the main living space. Luxury vinyl plank flooring runs throughout, creating a cohesive, low-maintenance interior. The primary suite includes a double vanity and a walk-in shower. The split-bedroom layout provides separation from the additional bedrooms. Located in a neighborhood with HOA-maintained standards and no short-term rentals, this property offers a more stable, residential environment compared to nearby rental-heavy areas. Conveniently located just off Mussett Bayou with easy access to Hwy 98, 30A, dining, shopping, and the emerald coast beaches. All information is deemed reliable but not guaranteed. Buyer to verify all details, including but not limited to measurements, features, zoning, and permitted uses.

Facts & features

Home type

Home

Year built

2021

Floors

1

Price per sq ft

$307

Included features

  • Cooling

    Ceiling Fans, Central Air

  • Heating

    Central

  • Appliances

    Cooktop, Dishwasher, Freezer, Microwave, Refrigerator, Smoke Detector, Stove/Oven Electric

  • Roof

    Composition, Shingle

  • Exterior

    Columns, Sprinkler System

  • Sewer

    Community Sewer

Mortgage calculator

Estimated monthly payment

$2,877 /mo

7% rate · 30-yr fixed · 20% down

  • Principal & interest $2,315
  • Property tax $435
  • Insurance $127

Includes principal, interest, taxes & insurance.

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Listing Broker

Anchor Realty Florida

Broker Name

Anchor Realty Florida

Agent

Crystal A Ball