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110 N Zander Way, Santa Rosa Beach, FL, 32459

4beds
4baths
2,325sqft
$675,000
$290price/sqft
$4,712/moest. monthly cost
$188,480/yrincome needed

About This Home

Located in the highly sought-after Church Street Village, this beautifully maintained home at 110 N Zander offers a rare combination of privacy, space, and thoughtful design. Set on a private corner lot--an uncommon feature in the neighborhood--it provides a peaceful setting while still being close to everything Santa Rosa Beach has to offer. Inside, the home showcases exceptional care and attention to detail. The 4-bedroom layout includes two spacious primary suites on both the first and second levels, offering flexible living. Plantation shutters, tasteful accent wallpaper, and custom wood built-ins in the pantry and closets enhance both style and function. Residents of Church Street Village enjoy a strong sense of community along with outstanding amenities, including a resort-style pool, fitness center, playground, and dog park. Even better, the HOA handles landscaping, allowing for low-maintenance living year-round. This is a rare opportunity to own a private, well-appointed home in one of Santa Rosa Beach's most charming neighborhoods.

Getting Around

20
WalkingCar-Dependent
0
TransitVery Limited Transit
39
BikeSomewhat Bikeable

Schools

8/10
8/10
South Walton High SchoolGrades 9-123.1 mi

Construction

Condition

  • Property condition: Construction Complete
  • Year built: 2018

Materials

  • Roof: Shingle
  • Construction materials: Siding CmntFbrHrdBrd

Type & Style

  • Home type: SingleFamily
  • Architectural style: Florida Cottage
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Microwave,Refrigerator,Washer,Electric Water Heater

Bedroom

  • Level: Second
  • Area: 169
  • Dimensions: 13 x 13

Bedroom

  • Level: Second
  • Area: 90
  • Dimensions: 10 x 9

Bedroom

  • Level: Second
  • Area: 204
  • Dimensions: 17 x 12

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Cooling

  • Cooling features: Ceiling Fan(s)

Features

  • Breakfast Bar,Crown Molding,Kitchen Island,Recessed Lighting,Pantry,Shelving,Wallpaper,Walls Wainscoting,Woodwork Painted
  • Window features: Double Pane Windows,Window Treatments
  • Common walls with other units/homes: No Common Walls

Foyer

  • Level: First
  • Area: 56
  • Dimensions: 8 x 7

Garage

  • Level: First
  • Area: 420
  • Dimensions: 21 x 20

Great Room

  • Level: First
  • Area: 442
  • Dimensions: 26 x 17

Interior Area

  • Total structure area: 2,325
  • Total interior livable area: 2,325 sqft

Kitchen

  • Level: First
  • Area: 99
  • Dimensions: 11 x 9

Laundry

  • Level: First
  • Area: 35
  • Dimensions: 7 x 5

Master Bedroom

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

Master Bedroom

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

Screened Porch

  • Level: First
  • Area: 90
  • Dimensions: 15 x 6

Storage

  • Level: First
  • Area: 32
  • Dimensions: 8 x 4

Property

Details

  • Parcel number: 272S203340200A0230
  • Zoning description: Resid Single Family

Features

  • Stories: 2
  • Patio & porch: Patio,Porch,Screened
  • Exterior features: Private Yard,Sprinkler System

Lot

  • Lot size: 4,356 sqft
  • Features: Corner Lot,Covenants,Flood Insurance Req,Restrictions
  • Lot size dimensions: 50 x 80

Parking

  • Total spaces: 2
  • Parking features: Garage - Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered 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
    HurricaneVery High
  • Lightning
    LightningVery High
  • Coastal Flooding
    Coastal FloodingRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Coastal Flooding
Tornado
Cold Wave
Heat Wave
Strong Wind
Wildfire
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 $3,413$40,956
Home Insurance *$574$6,888
Property Taxes $492$5,904
Electricity $233$2,807
Total$4,712$56,544
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$161,554/yr
40% on housing$141,360/yr
45% on housing$125,653/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

$290This listing

vs Other Active Listings

Avg $/sqft

ZIP 32459$604
Walton County$484

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
2026-05-01Listed for sale$675,000
2024-07-10Sold$650,000
2024-04-28Pending sale$675,000
2024-02-19Listed for sale$675,000
2022-09-22Listing removed--
2022-08-30Price change$3,850
2022-08-12Price change$4,250
2022-07-12Listed for rent$4,500
2018-09-20Sold$425,600

For Sale by Agent

AgentAllison S Robertson
BrokerageCompass

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