About This Home

This 4-bedroom, 4-bathroom single family at 145 E Water Street in Rosemary Beach, FL is listed for $3,595,000 ($1,436 per sqft). Built in 2002, the home offers 2,504 sqft of living space on a 0.14 acres lot.

Key Features

  • Built in 2002
  • 0.14 acre lot
  • 3 stories
  • 2 parking spaces

Property Details

3 stories
4 full
2 spaces
2002

Amenities

HardwoodA/C
Listing Description

Situated on one of the largest lots in Rosemary Beach, this distinctive property offers a rare combination of space, privacy, and exceptional potential in one of 30A's most sought-after coastal communities. Featuring one of Rosemary Beach's largest private pools, expansive outdoor living areas, and exciting opportunities for future expansion, the possibilities are truly remarkable.

Designed by renowned coastal architect Julia Starr Sanford, the main residence captures the timeless architectural character and charm of Rosemary Beach. Inviting porches, thoughtfully designed living spaces, and a seamless connection to the outdoors create an ideal setting for both everyday living and entertaining.

At the heart of the property, an expansive private courtyard and oversized pool, surrounded by mature landscaping, provide a beautiful setting for gathering with family and friends. Adding to the property's appeal are architectural plans for a carriage house, also designed by Julia Starr Sanford to complement the existing residence.

The proposed addition would transform the existing party porch and carport area into additional living space while preserving a covered outdoor entertaining area overlooking the courtyard and pool. With the potential to further enhance the outdoor spaces and expand the home's accommodations, the property presents an exciting opportunity as both a p

rivate coastal retreat and an income-producing investment, with the possibility of increased rental revenue and future value upon completion of the carriage house. Beyond the property, Rosemary Beach offers an exceptional coastal lifestyle, with charming cobblestone streets, winding boardwalks, beautifully maintained green spaces, and pedestrian pathways connecting the community.

Residents and guests enjoy multiple beach access points leading to the sugar-white sands and emerald waters of the Gulf, along with community pools, tennis courts, and fitness amenities. Just a short stroll away, the vibrant Town Center features an outstanding collection of restaurants, cafes, boutiques, galleries, and specialty shops, offering everything from morning coffee to fine dining and rooftop sunset views.

Monthly Cost Estimate

$20,819/mo

20% down · 6.5% · 30 years

Principal$2,600
Interest$15,578
Insurance$1,049
HOA$1,592

Estimates only. Actual payments may vary.

Location

145 E Water Street

Rosemary Beach, FL 32461

ROSEMARY BEACH

Features & Amenities

Interior Features

Ceiling Crwn MoldingCeiling VaultedKitchen IslandLighting RecessedLighting TrackWalls WainscotingWet BarWoodwork PaintedWoodwork Stained

Exterior Features

BalconySeparate Living AreaShowerYard Building

Property Details

Flooring

HardwoodTile

Construction

Concrete Frame Siding Wood Stucco Trim Wood

Outdoor Features

DeckPatioPorch

Parking

CoveredCarport

Heating

Central

Cooling

Central Air

Appliances

DishwasherDisposalDryerFreezerMicrowaveRefrigerator W/IceMkSmoke DetectorStove/Oven GasWasherWater Heater - Elect

Questions & Answers

This 4-bedroom, 4-bathroom single family at 145 E Water Street is listed at $3,595,000 ($1,436/sqft). The estimated monthly payment is $20,819 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance, HOA fees.

HOA fees are $1592/month.

Key features include: Built in 2002, 0.14 acre lot, 3 stories, 2 parking spaces. Interior Features: Ceiling Crwn Molding, Ceiling Vaulted, Kitchen Island. Exterior Features: Balcony, Separate Living Area, Shower.

This property is listed by Stephen M McGrath and can be reached at 6155944557.

SM

Stephen M McGrath

License 3509938

Agent at Rosemary Beach Realty, Inc.

(615) 594-4557
Agent website

Listed by Rosemary Beach Realty, Inc. · Broker phone: (850) 278-2000 · View on Broker Site · Broker website

MLS# 1012959· Source: Emerald Coast Association of Realtors· 18 days on PropertySimple

Copyright © 2026 Emerald Coast Association of Realtors. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

145 E Water Street, Rosemary Beach, FL 32461

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