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194 Cabana Trl, Santa Rosa Beach, FL, 32459

4beds
5baths
2,468sqft
$1,675,000
$679price/sqft
$11,357/moest. monthly cost
$454,280/yrincome needed

About This Home

Beautiful Beach House Retreat in the desirable community of Lakeside at Blue Mountain Beach. This home has custom finishes throughout: hardwood floors, shiplap walls, custom tile work, granite counters and impact rated windows. It also boasts a large open gathering room, 3 Master Suites, with one being on the first floor. One of the most desirable lots in the neighborhood, steps away from the neighborhood beach access and community pool. This stunning 'turn key' home comes fully furnished, with majority of furnishings from Stock and Trade.

Getting Around

34
WalkingCar-Dependent
0
TransitVery Limited Transit
53
BikeBikeable

Schools

10/10
Bay Elementary SchoolGrades K-57.4 mi
8/10
8/10
South Walton High SchoolGrades 9-122.8 mi

Construction

Condition

  • Property condition: Construction Complete
  • Year built: 2018

Type & Style

  • Home type: SingleFamily
  • Architectural style: Beach House
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Microwave,Washer,Tankless Water Heater
  • Laundry features: Washer/Dryer Hookup

Bedroom

  • Level: Second
  • Area: 208
  • Dimensions: 16 x 13

Bedroom

  • Level: Second
  • Area: 208
  • Dimensions: 16 x 13

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1

Dining Room

  • Level: First
  • Area: 275
  • Dimensions: 25 x 11

Features

  • Vaulted Ceiling(s),Kitchen Island,Recessed Lighting,Pantry,Shelving,Walls Paneled
  • Door features: Storm Door(s)
  • Window features: Storm Window(s),Window Treatments
  • Flooring: Hardwood,Tile
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Heat High Efficiency,Natural Gas
  • Cooling features: Ceiling Fan(s)

Interior Area

  • Total structure area: 2,468
  • Total interior livable area: 2,468 sqft

Living Room

  • Level: First
  • Area: 240
  • Dimensions: 16 x 15

Master Bedroom

  • Level: First
  • Area: 144
  • Dimensions: 12 x 12

Master Bedroom

  • Level: Second
  • Area: 224
  • Dimensions: 16 x 14

Property

Details

  • Parcel number: 123S20348500000970
  • Zoning description: Resid Single Family
  • Special condition: Accept Backup Offers

Features

  • Stories: 2
  • Exterior features: Balcony

Lot

  • Lot size: 3,920 sqft
  • Features: Restrictions
  • Lot size dimensions: 50 x 80

Parking

  • Total spaces: 4
  • Parking features: Garage Door Opener,Carport
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 2
  • Carport spaces: 1

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneVery High
  • Lightning
    LightningVery High
  • Tornado
    TornadoRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Tornado
Coastal Flooding
Inland Flooding
Tsunami

FEMA Declared Disasters in Walton County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $8,469$101,628
Home Insurance *$1,424$17,088
Property Taxes $1,216$14,592
Electricity $248$2,980
Total$11,357$136,284
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$389,382/yr
40% on housing$340,710/yr
45% on housing$302,853/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 16.1%
16.1%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 8.0%
8.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$679This listing

vs Other Active Listings

Avg $/sqft

ZIP 32459$601
Walton County$483

vs Homes Sold Last Month

Median $/sqft

ZIP 32459$509
Walton County$400

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-09Listed for sale$1,675,000
2024-01-12Sold$1,600,000
2023-12-15Pending sale$1,695,000
2023-11-09Listing removed--
2023-10-27Listed for rent$6,500
2023-10-13Price change$1,695,000
2023-09-15Listed for sale$1,725,000
2019-09-17Sold$735,000
2019-06-17Listed for sale$759,000
2018-04-18Sold$645,000
2016-10-04Sold$102,500
2014-09-08Sold$87,000
2005-06-30Sold$345,000

For Sale by Agent

AgentJody A Hobbs
BrokerageChristies International Real Estate Emerald Coast

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