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About This Home

This 5-bedroom, 6-bathroom single family at 432 Pine Needle Way in Santa Rosa Beach, FL is listed for $3,950,000 ($928 per sqft). Built in 2009, the home offers 4,256 sqft of living space on a 0.17 acres lot.

Agent Description

This stunning custom home in WaterColor is a masterful blend of timeless design, superior craftsmanship, and modern luxury. Thoughtfully curated by acclaimed designer Erika Powell of Urban Grace Interiors, with functional architecture by Archiscapes and expert construction by Baywoods Development, this home stands as one of WaterColor's finest.

Rich in character, the home features hand-sewn wood flooring reclaimed from an 1800s train station, flowing seamlessly throughout both the main residence and the guest house. Painted tongue-and-groove paneling wraps nearly every room, enhancing the home's warm and inviting coastal aesthetic.

Designed for Entertaining & Everyday Living, This property provides enhanced privacy with a beautiful unbuildable parcel on the southwest side. The first floor was crafted with gathering in mind, boasting an open-concept layout that flows effortlessly into a chef's dream kitchen.

Equipped with a Sub-Zero refrigerator and freezer, Wolf range, Scullery, and high-end custom wood cabinetry topped with white marble, this space is as functional as it is beautiful. Dual farmhouse sinks serve as a prominent centerpiece. French doors lead to an expansive wraparound porch, screened porch, and outdoor grilling area, creating the perfect setting for indoor-outdoor living.

Additional first-floor features include a spacious living area with a brick fireplace, formal dining room, guest bath, office, and laundry area. Upstairs, whimsical built-in bunk beds, charming barn doors, and a thoughtfully designed laundry room add character and functionality.

The primary suite is a true retreat, featuring a luxurious ensuite bath, expansive porches, and a tranquil sleeping porch. Two additional guest bedrooms with ensuite baths, a cozy den with a wet bar, and a light-filled reading room complete this level.

Unparalleled Views & Bonus Spaces continue up to the third-floor game room, then make your way to the fourth-floor tower room and widow's walk, where you'll enjoy breathtaking 360-degree views of WaterColor. The detached charming guest house, situated above the two-car garage, offers a full kitchen, living room, private bedroom, and bathroom, making it a perfect private retreat for guests.

The large private lot has space for a pool, adding even more potential to this already remarkable property. This home has been meticulously cared for and is offered furnished, with some exclusions. A rare opportunity to own a truly exceptional WaterColor residenceschedule your private showing today!

Key Features

  • Built in 2009
  • 0.17 acre lot
  • 4 stories
  • Fireplace

Property Details

4 stories
5 full, 1 half
2009

Amenities

FireplaceHardwoodA/C

Monthly Cost Estimate

$22,635/mo

20% down · 6.5% · 30 years

Principal$2,857
Interest$17,117
Insurance$1,152
HOA$1,510

Estimates only. Actual payments may vary.

Location

432 Pine Needle Way

Santa Rosa Beach, FL 32459

WATERCOLOR

Features & Amenities

Interior Features

Breakfast BarBuilt-In BookcasesCeiling RaisedGuest QuartersHallway Bunk BedsKitchen IslandLighting RecessedPantryShelvingSplit BedroomUpgraded Media WingWalls PaneledWalls WainscotingWet BarWoodwork Painted

Exterior Features

BalconyBBQ Pit/GrillColumnsShower

Property Details

Flooring

HardwoodTile

Construction

Frame Siding CmntFbrHrdBrd Trim Wood

Pool Features

DeckPorchPatio

Parking

GuestGarage

Appliances

Auto Garage Door OpnDishwasherDisposalDryerFreezerIce MachineMicrowaveRange HoodRefrigeratorRefrigerator W/IceMkSmoke DetectorStove/Oven Dual FuelWasherWine RefrigeratorWater Heater - Elect

Questions & Answers

This 5-bedroom, 6-bathroom single family at 432 Pine Needle Way is listed at $3,950,000 ($928/sqft). The estimated monthly payment is $18,627 based on 20% down at 6.5% interest.

HOA fees are $1510/month.

Key features include: Built in 2009, 0.17 acre lot, 4 stories, Fireplace. Interior Features: Breakfast Bar, Built-In Bookcases, Ceiling Raised. Exterior Features: Balcony, BBQ Pit/Grill, Columns.

This property is listed by Grant and Cooper Group and can be reached at (850) 428-3002 or blake@blakecoopersales.com.

GG

Grant and Cooper Group

Agent at Watersound Real Estate

(850) 428-3002

Listed by Watersound Real Estate · View on Broker Site

MLS# 970538· Source: listhub· Updated 455 days ago

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.

432 Pine Needle Way, Santa Rosa Beach, FL 32459

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