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46 Sea Croft Cv, Santa Rosa Beach, FL, 32459

7beds
7baths
4,095sqft
$2,285,000
$558price/sqft
$14,842/moest. monthly cost
$593,680/yrincome needed

About This Home

Rare new construction just off 30A. Seacroft Cottages is an exciting new 14 home subdivision tucked just off County Hwy 393 and a short stroll from 30A, ultra-happening Shunk Gulley restaurant, and 30A's widest public beach access at Ed Walline Park. Offered fully and beautifully furnished, this home ''has it all''.

Getting Around

33
WalkingCar-Dependent
0
TransitVery Limited Transit
47
BikeSomewhat Bikeable

Schools

10/10
Bay Elementary SchoolGrades K-59.1 mi
8/10
8/10
South Walton High SchoolGrades 9-123.3 mi

Construction

Condition

  • Property condition: Construction Complete
  • Year built: 2026

Type & Style

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

Interior

Bedroom

  • Level: First
  • Area: 192
  • Dimensions: 12 x 16

Bedroom

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

Bedroom

  • Level: Second
  • Area: 180
  • Dimensions: 15 x 12

Bedroom

  • Level: Third
  • Area: 168
  • Dimensions: 12 x 14

Bedrooms & Bathrooms

  • Bedrooms: 7
  • Bathrooms: 7
  • Full bathrooms: 7

Features

  • Common walls with other units/homes: No Common Walls

Garage

  • Level: First
  • Area: 240
  • Dimensions: 12 x 20

Great Room

  • Level: First
  • Area: 360
  • Dimensions: 24 x 15

Interior Area

  • Total structure area: 4,095
  • Total interior livable area: 4,095 sqft

Kitchen

  • Level: Second
  • Area: 357
  • Dimensions: 21 x 17

Living Room

  • Level: Second
  • Area: 315
  • Dimensions: 21 x 15

Other

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

Property

Details

  • Parcel number: 023S20341730000060
  • Zoning description: Resid Single Family

Features

  • Stories: 3

Lot

  • Lot size: 4,752 sqft
  • Lot size dimensions: 48 x 99

Parking

  • Parking features: Garage
  • Has garage: Yes

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 $11,554$138,648
Home Insurance *$1,943$23,316
Property Taxes $933$11,196
Electricity $412$4,945
Total$14,842$178,104
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$508,868/yr
40% on housing$445,260/yr
45% on housing$395,786/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

$558This listing

vs Other Active Listings

Avg $/sqft

ZIP 32459$602
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)

No zestimate history available

Price History

DateEventPrice
2026-08-04Pending sale$2,285,000
2026-06-16Listed for sale$2,285,000

For Sale by Agent

AgentZach A McLean
BrokerageMainsail Realty Company

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