148 Ricker Ave, Santa Rosa Beach, FL, 32459
About This Home
Never miss a day on the water while you build your dream home. Offering 75 feet of waterfront in the heart of Santa Rosa Beach, this rare property combines immediate enjoyment with future potential--and no HOA restrictions. Complete with a private dock, covered boat lift, and direct access to Choctawhatchee Bay, it's designed for effortless days on the water from the moment you arrive. The outdoor living experience is equally inviting, featuring a private pool, expansive multi-level decking, and a fully equipped outdoor kitchen--ideal for entertaining or unwinding after a day on the bay. A charming two-story carriage house offers comfortable accommodations while you plan and build. This 2-bed, 2-bath residence has a full kitchen, dining area, additional living space, and a walk-in closet. Upstairs, a spacious four-seasons room--heated and cooled--boasts floor-to-ceiling windows on three sides, capturing peaceful water views and natural light throughout. Whether you're envisioning a primary residence, second home, or investment opportunity, this property delivers a rare chance to enjoy waterfront living now while creating something truly exceptional for the future.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Construction Complete
- Year built: 2017
Materials
- Roof: Metal
- Construction materials: Siding CmntFbrHrdBrd
Type & Style
- Home type: SingleFamily
- Architectural style: Beach House
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Dryer,Microwave,Washer,Electric Water Heater
- Laundry features: Washer/Dryer Hookup
Bedroom
- Level: Second
- Area: 219.71
- Dimensions: 17.3 x 12.7
Bedroom
- Level: First
- Area: 138
- Dimensions: 11.5 x 12
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Features
- Kitchen Island,Lock Out,Owner's Closet,Pantry
- Window features: Double Pane Windows,Window Treatments
- Flooring: Vinyl
- Common walls with other units/homes: No Common Walls
Florida Room
- Level: Second
- Area: 257.52
- Dimensions: 23.2 x 11.1
Garage
- Level: First
- Area: 320
- Dimensions: 20 x 16
Heating & Cooling
- Heating features: Central
- Cooling features: Central Air,Window Unit(s),Ceiling Fan(s)
Interior Area
- Total structure area: 1,104
- Total interior livable area: 1,104 sqft
Kitchen
- Level: Second
- Area: 123.21
- Dimensions: 11.1 x 11.1
Living Room
- Level: Second
- Area: 89.91
- Dimensions: 8.1 x 11.1
Other
- Level: Second
- Area: 88.8
- Dimensions: 11.1 x 8
Property
Details
- Parcel number: 282S19240500050060
- Zoning description: Resid Single Family
Features
- Stories: 2
- Pool features: In Ground
- Patio & porch: Deck,Covered,Patio,Porch
- Exterior features: Outdoor Grill,Boat Launch,Boatlift,Dock
- Fencing: Partial
- Has view: Yes
- View description: Canal
- Has water view: Yes
- Water view: Canal
- Waterfront features: Canal Access,Seawall
Lot
- Lot size: 0.25 Acres
- Features: Within 1/2 Mile to Water
- Lot size dimensions: 75 x 150
Parking
- Total spaces: 4
- Parking features: Garage Door Opener,Boat,Detached Carport,Oversized
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 4
- Carport: Yes
- Carport spaces: 2
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
- Lightning
- Coastal Flooding
- Tornado
- Cold Wave
- Heat Wave
- Strong Wind
- Wildfire
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Walton County and Florida
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $5,562 | $66,744 |
| Home Insurance * | $935 | $11,220 |
| Property Taxes | $751 | $9,012 |
| Electricity | $197 | $2,366 |
| Total | $7,445 | $89,340 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-24 | Listed for sale | $1,149,000 |
| 2026-01-04 | Listing removed | $1,100,000 |
| 2025-11-13 | Listed for sale | $1,100,000 |
| 2025-01-22 | Listing removed | $1,550,000 |
| 2024-12-07 | Price change | $1,550,000 |
| 2024-10-05 | Listed for sale | $1,699,000 |
| 2016-07-27 | Sold | $135,000 |
| 2012-11-19 | Sold | $62,500 |
| 2004-12-28 | Sold | $335,000 |
| 2003-05-22 | Sold | $102,000 |
For Sale by Agent
View on Zillow