# 145 E Water Street, Rosemary Beach, FL 32461 > **TL;DR:** 4bd/4ba single family, $3,595,000 ($1436/sqft), built 2002, 2,504 sqft. > Pool, Hardwood, A/C. Est. $20,819/mo. Listed 33 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $3,595,000 | | Price/sqft | $1436 | | Bedrooms | 4 | | Bathrooms | 4 full | | Square Feet | 2,504 | | Year Built | 2002 | | Lot Size | 6,098 sqft (0.14 acres) | | Stories | 3 | | Property Type | Single Family (Other) | | Status | Active | | Days on Market | 33 | ## Why This Home Stands Out - **Pool** - Porch, Patio, Deck - **Hardwood Floors** - Hardwood flooring listed ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $18,178 | | Estimated Insurance | $1,049 | | HOA | $1,592 | | **Total** | **$20,819** | ## Nearby Schools - **Elementary:** Van R Butler - **Middle:** Emerald Coast - **High:** South Walton ## Key Amenities - Pool - Hardwood - A/C ## Property Highlights - Built in 2002 - 0.14 acre lot - 3 stories - 2 parking spaces - Private pool ## Description ### Agent 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 private 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. ## Location - **Address:** 145 E Water Street, Rosemary Beach, FL 32461 - **County:** Walton - **Neighborhood:** ROSEMARY BEACH - **Coordinates:** 30.280717, -86.013611 - **Google Maps:** https://www.google.com/maps?q=30.280717,-86.013611 ## Listing Agent - **Name:** Stephen M McGrath · **License:** 3509938 - **Brokerage:** Rosemary Beach Realty, Inc. - **Broker Phone:** (850) 278-2000 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/145-E-Water-St_Rosemary-Beach_FL_32461_M92453-47683?f=listhub&s=ECARMLSFL&m=1012959&c=propsimple) ## Photos ![145 E Water Street - Photo 1](http://lh.rdcpix.com/442bd803ac7d54fd4d82d33135c5f24cl-f369751966r.jpg) ![145 E Water Street - Photo 2](http://lh.rdcpix.com/442bd803ac7d54fd4d82d33135c5f24cl-f3227828698r.jpg) ![145 E Water Street - Photo 3](http://lh.rdcpix.com/442bd803ac7d54fd4d82d33135c5f24cl-f1071046037r.jpg) ![145 E Water Street - Photo 4](http://lh.rdcpix.com/442bd803ac7d54fd4d82d33135c5f24cl-f1465191906r.jpg) ![145 E Water Street - Photo 5](http://lh.rdcpix.com/442bd803ac7d54fd4d82d33135c5f24cl-f2959057302r.jpg) ![145 E Water Street - Photo 6](http://lh.rdcpix.com/442bd803ac7d54fd4d82d33135c5f24cl-f740518250r.jpg) ![145 E Water Street - Photo 7](http://lh.rdcpix.com/442bd803ac7d54fd4d82d33135c5f24cl-f2994220935r.jpg) ![145 E Water Street - Photo 8](http://lh.rdcpix.com/442bd803ac7d54fd4d82d33135c5f24cl-f1293763544r.jpg) ![145 E Water Street - Photo 9](http://lh.rdcpix.com/442bd803ac7d54fd4d82d33135c5f24cl-f1626320616r.jpg) ![145 E Water Street - Photo 10](http://lh.rdcpix.com/442bd803ac7d54fd4d82d33135c5f24cl-f893242184r.jpg) ![145 E Water Street - Photo 11](http://lh.rdcpix.com/442bd803ac7d54fd4d82d33135c5f24cl-f3714222176r.jpg) ![145 E Water Street - Photo 12](http://lh.rdcpix.com/442bd803ac7d54fd4d82d33135c5f24cl-f3509465308r.jpg) ![145 E Water Street - Photo 13](http://lh.rdcpix.com/442bd803ac7d54fd4d82d33135c5f24cl-f510201919r.jpg) ![145 E Water Street - Photo 14](http://lh.rdcpix.com/442bd803ac7d54fd4d82d33135c5f24cl-f3566234247r.jpg) ![145 E Water Street - Photo 15](http://lh.rdcpix.com/442bd803ac7d54fd4d82d33135c5f24cl-f1394076024r.jpg) ![145 E Water Street - Photo 16](http://lh.rdcpix.com/442bd803ac7d54fd4d82d33135c5f24cl-f3123012508r.jpg) ![145 E Water Street - Photo 17](http://lh.rdcpix.com/442bd803ac7d54fd4d82d33135c5f24cl-f968177445r.jpg) ![145 E Water Street - Photo 18](http://lh.rdcpix.com/442bd803ac7d54fd4d82d33135c5f24cl-f1922482197r.jpg) ![145 E Water Street - Photo 19](http://lh.rdcpix.com/442bd803ac7d54fd4d82d33135c5f24cl-f1762902687r.jpg) ![145 E Water Street - Photo 20](http://lh.rdcpix.com/442bd803ac7d54fd4d82d33135c5f24cl-f3805651803r.jpg) ![145 E Water Street - Photo 21](http://lh.rdcpix.com/442bd803ac7d54fd4d82d33135c5f24cl-f2601868068r.jpg) ![145 E Water Street - Photo 22](http://lh.rdcpix.com/442bd803ac7d54fd4d82d33135c5f24cl-f2402497928r.jpg) ![145 E Water Street - Photo 23](http://lh.rdcpix.com/442bd803ac7d54fd4d82d33135c5f24cl-f94120250r.jpg) ![145 E Water Street - Photo 24](http://lh.rdcpix.com/442bd803ac7d54fd4d82d33135c5f24cl-f2885359785r.jpg) ![145 E Water Street - Photo 25](http://lh.rdcpix.com/442bd803ac7d54fd4d82d33135c5f24cl-f2009917589r.jpg) ![145 E Water Street - Photo 26](http://lh.rdcpix.com/442bd803ac7d54fd4d82d33135c5f24cl-f1055741106r.jpg) ![145 E Water Street - Photo 27](http://lh.rdcpix.com/442bd803ac7d54fd4d82d33135c5f24cl-f1639302661r.jpg) ![145 E Water Street - Photo 28](http://lh.rdcpix.com/442bd803ac7d54fd4d82d33135c5f24cl-f3820483130r.jpg) ![145 E Water Street - Photo 29](http://lh.rdcpix.com/442bd803ac7d54fd4d82d33135c5f24cl-f2700004197r.jpg) ![145 E Water Street - Photo 30](http://lh.rdcpix.com/442bd803ac7d54fd4d82d33135c5f24cl-f2170571023r.jpg) ![145 E Water Street - Photo 31](http://lh.rdcpix.com/442bd803ac7d54fd4d82d33135c5f24cl-f594618649r.jpg) ![145 E Water Street - Photo 32](http://lh.rdcpix.com/442bd803ac7d54fd4d82d33135c5f24cl-f1581844581r.jpg) ![145 E Water Street - Photo 33](http://lh.rdcpix.com/442bd803ac7d54fd4d82d33135c5f24cl-f3671126211r.jpg) ![145 E Water Street - Photo 34](http://lh.rdcpix.com/442bd803ac7d54fd4d82d33135c5f24cl-f3232938114r.jpg) ![145 E Water Street - Photo 35](http://lh.rdcpix.com/442bd803ac7d54fd4d82d33135c5f24cl-f1316012662r.jpg) ![145 E Water Street - Photo 36](http://lh.rdcpix.com/442bd803ac7d54fd4d82d33135c5f24cl-f3371971217r.jpg) ![145 E Water Street - Photo 37](http://lh.rdcpix.com/442bd803ac7d54fd4d82d33135c5f24cl-f2986161612r.jpg) ![145 E Water Street - Photo 38](http://lh.rdcpix.com/442bd803ac7d54fd4d82d33135c5f24cl-f3989802537r.jpg) ![145 E Water Street - Photo 39](http://lh.rdcpix.com/442bd803ac7d54fd4d82d33135c5f24cl-f2468095738r.jpg) ![145 E Water Street - Photo 40](http://lh.rdcpix.com/442bd803ac7d54fd4d82d33135c5f24cl-f78504711r.jpg) ![145 E Water Street - Photo 41](http://lh.rdcpix.com/442bd803ac7d54fd4d82d33135c5f24cl-f1125628244r.jpg) ![145 E Water Street - Photo 42](http://lh.rdcpix.com/442bd803ac7d54fd4d82d33135c5f24cl-f1365239083r.jpg) ![145 E Water Street - Photo 43](http://lh.rdcpix.com/442bd803ac7d54fd4d82d33135c5f24cl-f3339064639r.jpg) ![145 E Water Street - Photo 44](http://lh.rdcpix.com/442bd803ac7d54fd4d82d33135c5f24cl-f1529412279r.jpg) --- **MLS#:** 1012959 | **Updated:** 2026-10-27 **Source:** listhub *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.* [View on PropertySimple](https://www.propertysimple.ai/listing/145-e-water-street-rosemary-beach-fl-32461-47a8fd65c36a488794acda0d74466a64) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/145-e-water-street-rosemary-beach-fl-32461-47a8fd65c36a488794acda0d74466a64#listing", "url": "https://www.propertysimple.ai/listing/145-e-water-street-rosemary-beach-fl-32461-47a8fd65c36a488794acda0d74466a64", "name": "145 E Water Street, Rosemary Beach, FL 32461", "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 private 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. 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