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Front exterior at 172 Water Oaks Loop, Santa Rosa Beach, FL
Interior view at 172 Water Oaks Loop, Santa Rosa Beach, FL
Photo 39 at 172 Water Oaks Loop, Santa Rosa Beach, FL
For SaleActiveNew

172 Water Oaks Loop, Santa Rosa Beach, FL 32459

3beds
3baths
1,258sqft
2012
3parking

$400,000

$318/sqft · Est. $2,293/mo

About This Home

This 3-bedroom, 3-bathroom single family at 172 Water Oaks Loop in Santa Rosa Beach, FL is listed for $400,000 ($318 per sqft). Built in 2012, the home offers 1,258 sqft of living space on a 0.09 acres lot.

Key Features

  • Built in 2012
  • 0.09 acre lot
  • 2 stories
  • 3 parking spaces

Property Details

2 stories
2 full, 1 half
3 spaces
2012

Amenities

A/C
Listing Description

Welcome to this beautifully updated coastal retreat in Water Oaks, located in the heart of Santa Rosa Beach! Ideally situated just approximately 3 miles from the beautiful beaches of South Walton and a short distance from popular local dining destinations, including Louis Louis, this home offers the perfect blend of coastal convenience, thoughtful upgrades, and inviting charm.

Inside, you'll find an impressive array of updates and custom features, beginning with a stunning kitchen featuring custom hardwood cabinetry, quartz countertops, a farmhouse sink, and beautiful handmade Moroccan tile backsplash. Thoughtful details include upgraded fixtures, under-cabinet lighting, and a charming coffee bar.

New wide-plank LVP flooring flows throughout the entire home, complemented by shiplap accents and updated lighting. Additional interior improvements include an upgraded primary bathroom vanity featuring a quartz countertop, new sink, faucet, lighting, and fixtures.

Custom touches throughout the home include cedar closet enhancements, solid wood shelving, and added storage solutions. Step outside and enjoy a picturesque backyard setting that backs up to a beautiful neighboring farm, offering lovely views and an added sense of privacy.

The backyard also features a firepit and a fantastic newly constructed workshop complete with air conditioning, electricity, shelving, and an overhang--perfect for hobbies, projects, or additional workspace. Exterior improvements include a Wi-Fi-controlled irrigation system with a dedicated well, expanded paver driveway, stone walkway, and thoughtfully designed front yard landscaping.

With its extensive list of upgrades, charming character, exceptional outdoor features, and convenient proximity to the beaches, shopping, and dining of Santa Rosa Beach, this Water Oaks home is truly a special find. Water Oaks also allows long-term rentals, offering flexibility for those seeking a primary residence, second home, or investment opportunity. Come experience all the charm and quality this property has to offer!

Monthly Cost Estimate

$2,292/mo

20% down · 6.5% · 30 years

Principal$289
Interest$1,733
Insurance$117
HOA$153

Estimates only. Actual payments may vary.

Location

172 Water Oaks Loop

Santa Rosa Beach, FL 32459

WATER OAKS

Features & Amenities

Interior Features

Breakfast BarPantryShelvingWasher/Dryer Hookup

Exterior Features

Fenced Back YardSprinkler System

Property Details

Flooring

Vinyl

Construction

Frame Siding CmntFbrHrdBrd

Outdoor Features

PatioPorch

Heating

Central

Cooling

Central Air

Appliances

DishwasherDisposalDryerFreezerMicrowaveRange HoodRefrigeratorRefrigerator W/IceMkSmoke DetectorStove/Oven ElectricWasherWater Heater - Elect

Questions & Answers

This 3-bedroom, 3-bathroom single family at 172 Water Oaks Loop is listed at $400,000 ($318/sqft). The estimated monthly payment is $2,293 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance, HOA fees.

HOA fees are $153/month.

Key features include: Built in 2012, 0.09 acre lot, 2 stories, 3 parking spaces. Interior Features: Breakfast Bar, Pantry, Shelving. Exterior Features: Fenced Back Yard, Sprinkler System.

This property is listed by Virginia M Starbuck.

VS

Virginia M Starbuck

License 3505901

Agent at The Agency Sandestin

Listed by The Agency Sandestin · Broker phone: (850) 267-8100 · View on Broker Site · Broker website

MLS# 1015100· Source: Emerald Coast Association of Realtors· 8 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.

172 Water Oaks Loop, Santa Rosa Beach, FL 32459

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