About This Home

This 4-bedroom, 5-bathroom single family at 295 Churchill Oaks Drive in Santa Rosa Beach, FL is listed for $3,795,000 ($920 per sqft). Built in 2024, the home offers 4,124 sqft of living space on a 0.15 acres lot.

Key Features

  • Built in 2024
  • 0.15 acre lot
  • 2 stories
  • 4 parking spaces
  • Fireplace

Property Details

2 stories
4 full, 1 half
2-car garage
2024

Amenities

FireplaceViewHardwoodA/C
Listing Description

Home is where the heart is, and you'll quickly fall in love with Churchill Oaks. Nestled along Hogtown Bayou on the scenic Choctawhatchee Bay, this exclusive waterfront community offers over half a mile of shoreline and a private deep-water marina with boat slips.

A rare opportunity exists to purchase separately a deeded 35-foot boat slip featuring a boat lift, providing convenient access to Choctawhatchee Bay and the Gulf beyond. This elegantly designed home is nestled among the beautifully landscaped grounds of Churchill Oaks, awaiting your arrival.

Upon stepping into the foyer, you'll immediately appreciate the home's exceptional architectural beauty and thoughtful design. From the soaring ceilings and natural stone flooring that extend throughout the first floor to the elegant mirrored wet bar and refined custom finishes, every detail has been carefully curated to create an atmosphere of timeless sophistication and comfort.

The seamless flow of the living spaces enhances both everyday living and entertaining, while abundant natural light highlights the home's exquisite craftsmanship. The kitchen is a chef's dream, featuring a Wolf six-burner gas range with griddle, separate refrigerator and freezer, a convenient coffee station, stunning quartzite countertops, and an impressive 12-foot island that serves as the perfect gathering place for family and guests alike.

Just off the kitchen, you'll find a spacious butler pantry designed for both convenience and entertaining. This well-appointed space includes a second dishwasher, microwave, warming drawer, additional sink, and beverage refrigerator, making it easy to host large gatherings while keeping the main kitchen beautifully organized and functional.

Step into the spacious living room and unwind by the inviting fireplace, beautifully framed by expansive windows that flood the space with natural light and offer tranquil views of the surrounding landscape. Just beyond, the rear porch provides a peaceful retreat for relaxing or entertaining while enjoying the beauty of nature.

Take the elevator to the second floor, where wide-plank white oak flooring adds warmth and elegance throughout. This thoughtfully designed level features a spacious sitting area, a convenient breakfast bar, a laundry room, a private office with a fireplace, and three additional bedrooms.

The home offers two luxurious primary suites, each highlighted by soaring 12-foot vaulted ceilings, creating a light and airy retreat. An additional guest bedroom provides comfortable accommodations for family and visitors. The main primary suite is a true sanctuary, featuring a spacious walk-in closet and a beautifully appointed ensuite bath with

dual vanities, a soaking tub, and a separate walk-in shower, offering the perfect place to relax and unwind at the end of the day. Ideally situated near the community boardwalk, the home offers convenient access to the clubhouse, fitness center, resort-style pool, and private marina, allowing you to fully embrace the exceptional waterfront lifestyle Churchill Oaks offers.

Monthly Cost Estimate

$21,796/mo

20% down · 6.5% · 30 years

Principal$2,745
Interest$16,445
Insurance$1,107
HOA$1,500

Estimates only. Actual payments may vary.

Location

295 Churchill Oaks Drive

Santa Rosa Beach, FL 32459

CHURCHILL OAKS

Features & Amenities

Interior Features

Ceiling BeamedCeiling Crwn MoldingCeiling VaultedElevatorFireplaceFireplace 2+Kitchen IslandLighting RecessedPantryWallpaperWasher/Dryer HookupWet Bar

Exterior Features

Rain GutterFenced Back YardSprinkler SystemSummer Kitchen

Property Details

Flooring

MarbleTileHardwood

Construction

Foundation Off Grade Siding Brick Some Siding CmntFbrHrdBrd

Views

Lake

Outdoor Features

PorchPatio

Cooling

Central Air

Appliances

Auto Garage Door OpnDishwasherDisposalDryerIce MachineMicrowaveOven Self CleaningRange HoodRefrigeratorSecurity SystemStove/Oven GasWasherWine RefrigeratorWater Heater - Tnkls

Questions & Answers

This 4-bedroom, 5-bathroom single family at 295 Churchill Oaks Drive is listed at $3,795,000 ($920/sqft). The estimated monthly payment is $21,797 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance, HOA fees.

HOA fees are $1500/month.

Key features include: Built in 2024, 0.15 acre lot, 2 stories, 4 parking spaces, Fireplace. Interior Features: Ceiling Beamed, Ceiling Crwn Molding, Ceiling Vaulted. Exterior Features: Rain Gutter, Fenced Back Yard, Sprinkler System.

This property is listed by Linda R Campbell.

LC

Linda R Campbell

License 650333

Agent at Watersound Real Estate

Listed by Watersound Real Estate · Broker phone: (850) 428-3002 · View on Broker Site · Broker website

MLS# 1005355· Source: Emerald Coast Association of Realtors· 144 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.

295 Churchill Oaks Drive, Santa Rosa Beach, FL 32459

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