North Santa Rosa Beach Homes with Bay Waterfront Features

Welcome to North Santa Rosa Beach, a hidden gem nestled along Florida's picturesque Emerald Coast in Walton County. This charming area is renowned for its stunning natural beauty, tranquil atmosphere, and a vibrant community that welcomes both residents and visitors alike. With its pristine beaches, lush landscapes, and an abundance of outdoor activities, North Santa Rosa Beach is the perfect place to call home.

One of the standout features of homes in this region is their breathtaking bay waterfront access. Many properties boast stunning views of the Choctawhatchee Bay, allowing residents to enjoy picturesque sunrises and sunsets right from their own backyards. Imagine sipping your morning coffee while watching the gentle waves lapping at the shore or hosting unforgettable gatherings with friends and family as the sun sets over the water.

The homes in North Santa Rosa Beach offer a diverse array of architectural styles, from charming coastal cottages to luxurious waterfront estates. Many of these properties are designed to maximize the stunning bay views, featuring expansive windows, spacious decks, and private docks for easy access to boating, kayaking, or paddleboarding. The community is also known for its family-friendly atmosphere, with nearby parks, nature trails, and top-rated schools, making it an ideal place for families to thrive.

Whether you're looking for a serene getaway or a permanent residence, North Santa Rosa Beach offers a unique blend of coastal living and community charm. Come explore the beauty and tranquility of this enchanting region, and discover your dream home with bay waterfront features today!

Newest North Santa Rosa Beach Homes with Bay Waterfront Features

$2,200,000

5 Beds ⋅ 3 Baths ⋅ 1008273 MLS

Rarely on the market, this newly renovated direct bay front home awaits you with a 2.75% assumable mortgage. No HOA and fully furnished. Great investment home! Rented first time in summer of 2026 averaging $1,000 to $1,500 per night! Wake up to a waterfront oasis, with a private dock& boat lift. Carriage house and 3 car garage plans are included. Walk into luxury with real wood flooring throughout the house, and beautifully designed interior. High end finishings in the kitchen, gas stove, wine closet, marble fireplace, & marble tiles from floor to ceiling in all bathrooms with waterfall quartz countertops in the kitchen & master bathroom. Rooms are equipped with remote controlled window treatment, easy access to the unparalleled sunrise rays & sunset hues. Master bedroom features a large walk-in closet, washer/dryer & a breathtaking view. The home features a 2-car garage, a luscious yard, hot tube over looking the bay and two saunas. one on the second floor balcony and one inside the garage. Home insurance is $8,200 and flood insurance is $1,800 annual. Seller is a licensed broker.

353 Bay Circle Dr, Santa Rosa Beach

Listing courtesy of Jon Howard Realty LLC.

$1,799,000

3 Beds ⋅ 3 Baths ⋅ 1008154 MLS

Rare bay-front opportunity in the established Hatchee Shores community of Santa Rosa Beach. Set on nearly half an acre with 100 feet of bay frontage, this beautifully maintained home offers 3 bedrooms, 3 bathrooms, and an open floor plan designed for effortless coastal living. A canopy of mature palms frames the stucco-and-stone exterior, with a brick paver driveway and elegant double glass entry doors flanked by stone columns. Inside, enjoy hardwood and tile floors throughout, crown molding, recessed lighting, and a dramatic stacked-stone fireplace anchoring the great room. The primary suite offers a spa-inspired ensuite with soaking tub, dual vanities, stone countertops, and a walk-in tile shower. Step outside to a covered back porch shaded by grand live oaks, then walk to your private dock where breathtaking open bay views stretch to the horizon - perfect for fishing, boating, or simply watching the sunset. Additional highlights include a large detached workshop/storage building, outdoor shower, carport, and attached garage. Ideal as a primary residence, second home, or income-producing investment. Minutes to the sugar-white beaches of 30A, premier dining, and upscale shopping.

1551 E Nursery Rd, Santa Rosa Beach

Listing courtesy of Christies International Real Estate Emerald Coast.

$725,000

2 Beds ⋅ 3 Baths ⋅ 1008115 MLS

Wake up each morning to peaceful waterfront views and end every evening with breathtaking sunsets that paint the sky in brilliant shades of orange, pink, and blue. From your private dock, you'll enjoy a front-row seat to one of nature's most spectacular shows as dolphins regularly swim through Mack Bayou, playing and feeding just offshore, while a majestic blue heron makes daily visits to fish from the dock. Whether you're sipping your morning coffee, unwinding with a glass of wine at sunset, or simply enjoying the sights and sounds of the water, this home offers an ever-changing display of coastal wildlife and the relaxed waterfront lifestyle you've been dreaming of. Deep-water dockage, open bay views, and exceptional coastal living await at this beautifully maintained waterfront townhome on Mack Bayou in Santa Rosa Beach. Nestled within an exclusive enclave of only four residences, this exceptional 2-bedroom, 2.5-bath home offers approximately 1,600 square feet of thoughtfully designed living space along with the rare opportunity for both personal enjoyment and investment, as short-term rentals are permitted. Situated on 100 feet of shared bayou frontage with expansive open bay views, each residence enjoys a shared 40-foot dock, dedicated boat slip, and boat lift. With approximately four feet of water depth year-round, the slip easily accommodates larger boats, allowing you to spend more time on the water and less time worrying about the tides. A convenient fish-cleaning station makes returning from a successful day on the water effortless, and the seller's 26-foot boat, currently housed in the slip, is available for purchase separately. Inside, natural light pours through an impressive, oversized skylight, illuminating the open-concept living and dining areas. The custom kitchen was designed with entertaining in mind and features solid wood shaker cabinetry with soft-close doors and drawers, a wet bar, beverage refrigerator, and refrigerator with in-door water and ice dispenser. The spacious waterfront primary suite offers a peaceful retreat with sliding glass doors leading to a private balcony overlooking the bayou. Even the primary bathroom embraces the waterfront setting, featuring dual vanities and tranquil water views that make every day feel like a vacation. Outdoor living is equally impressive with expansive brick-pavered front and rear porches, an outdoor shower for rinsing off after a day on the boat or at the beach, and both front and rear storage rooms perfect for fishing gear, paddleboards, beach equipment, and more. The front porch even includes a dedicated water supply for potted plants and seasonal flowers. Quality craftsmanship is evident throughout with hardwood flooring on the main level and staircase, new luxury vinyl plank flooring upstairs, solid-core interior doors, elegant 8-inch baseboards, a Tesla electric vehicle charger, heavy-duty stair handrail, new fencing, a new electrical panel, and a recently replaced well pump. Major improvements provide added peace of mind, including a 2017 roof, 2022 18 sear Mitsubishi true variable air conditioner / heat pump, 2020 water heater, and a brand-new community septic tank and drain field installed in 2025. Owners share the cost of lawn maintenance, pest control, common area irrigation, water and electricity to the docks, and umbrella insurance for the building, allowing for a convenient, low-maintenance waterfront lifestyle. Two dedicated parking spaces are located directly in front of the residence, and the prime Santa Rosa Beach location places you just minutes from the sugar-white beaches of Scenic Highway 30A, Grand Boulevard, Sacred Heart Hospital, premier shopping, dining, golf, and entertainment. Whether you're searching for a primary residence, a second home, or an income-producing investment, this rare waterfront offering combines deep-water boating, private boat slip and lift, spectacular sunsets, abundant coastal wildlife, and an unmatched waterfront lifestyle in one truly remarkable property.

234 S Blue Heron Dr Unit Unit #3, Santa Rosa Beach

Listing courtesy of Scenic Sotheby's International Realty.

$1,590,000

1007899 MLS

±2 Acres · ±175 feet of Choctawhatchee Bay frontage · No HOA · Minutes to 30A This two-acre, tree-lined property along Chat Holly Road offers approximately 150 feet on Choctawhatchee Bay--one of the most scenic and storied waterways on Florida's Emerald Coast. The Bay is prized for its quiet beauty, clear shallows, and endless ways to explore: launch a boat or paddleboard, fish the bayous, or cruise toward Crab Island and Destin's harborfront dining. The lot's generous depth provides room for an estate home, guest house, pool, or even a private pickleball court or collector-car garage, all surrounded by native oaks and pines for natural privacy. From here, you're minutes to Hwy 98, Grayton Beach, and 30A, as well as Dune Lakes Recreational Park and the area's top-rated schools.

Lot 1A Chat Holley, Santa Rosa Beach

Listing courtesy of Scenic Sotheby's International Realty.

$2,700,000

3 Beds ⋅ 4 Baths ⋅ 1007848 MLS

This pristine coastal retreat in Driftwood Estates is placed on the Bay of the Emerald Coast. The Gulf's beautiful beaches of 30A and Miramar Beach are a few minutes drive. This low maintenance, one story, southern home's outdoor living area boast a covered patio and deck with two oversized sitting areas to overlook the relaxing Bay and dock. The lush grounds are perfect for lounging and entertaining in the firepit area, the grilling area, in the swim spa plus offering privacy with the enclosed fence. The welcoming front porch views the rose lined circular paver driveway with parking for up to 6 guest. Inside, the coastal elegant Foyer greets you with soaring ceilings, extensive molding, a gas fireplace surrounded by built-ins, a Formal Dining area, tasteful hardwood flooring and a tranquil view of the Bay! There are 3 bedrooms, 3.5 baths and an office in this well-designed, split bedroom layout making it ideal for a primary or secondary home. The Master Suite wing of the home has an entry off of the Foyer that offers the privacy of a Master Bedroom with french doors to access the exterior Deck and Sitting Areas, the Dock, the Swim Spa and yard. The oversized shelved separate Master Closet is in the bedroom. The spa feel of the En Suite Master Bath gives a soaking tub for relaxation, an enclosed separate shower and a generous marble top double sink vanity. The privacy of a Home Office with a closet is convenient also. The Half Bath is close to the formal areas for guest. The character of the home includes a secondary dining area and expansive open kitchen with granite countertops, stainless appliances, gas cooking and a breakfast bar that offers easy acess to the relaxing living area while enjoying the view of the Bay. Walking from the kitchen area down the corridor there are 2 split bedrooms with en suites, a laundry room with folding area and the entry to the oversized garage with a yard access door.

1441 Driftwood Point Rd, Santa Rosa Beach

Listing courtesy of Keller Williams Realty Destin.

$1,895,000

3 Beds ⋅ 3 Baths ⋅ 1007367 MLS

Beautifully remodeled coastal home featuring a private dock, boat lift, and exceptional views across the bay. Located on a quiet stretch of Santa Rosa Beach just minutes from Scenic 30A, Designed to capture the stunning bay views, the open floor plan features inviting living spaces with a fireplace and a beautifully appointed kitchen with an island. Updated windows and doors fill the home with natural light while creating a seamless connection to the water and outdoor living areas. Carefully designed landscaping provides privacy while maximizing the expansive bay views. The primary suite offers a private retreat with a dedicated office, walk-in closet, and beautifully finished bath. Outdoor living is where this property truly shines, featuring a wraparound deck, covered porch, outdoor shower, and fire pit overlooking the bay. The waterfront setup is exceptional, with a dock, walkway, and boat lift built on durable concrete pilings. The dock includes a beautiful boathouse, two Jet Ski lifts, a kayak and paddleboard launch platform, and a sunning deck / lounge area perfect for relaxing by the water. The bay creates a peaceful natural setting where dolphins, nesting ospreys, and herons are frequent visitors, offering a rare connection to the beauty of the Emerald Coast. Featuring a 2023 metal roof, updated windows and doors, and numerous quality upgrades throughout, this meticulously maintained bayfront home combines coastal elegance, thoughtful improvements, and an unmatched waterfront setting in one of Santa Rosa Beach's most desirable locations.

231 Bay Circle Dr, Santa Rosa Beach

Listing courtesy of The Premier Property Group.

$1,248,000

4 Beds ⋅ 4 Baths ⋅ 1006446 MLS

Situated on nearly three-quarters of an acre, this exceptional waterfront property offers privacy, space, and coastal charm. The home features 4 bedrooms, 3.5 bathrooms, and a 3-car garage, with a flexible layout designed for comfortable living and entertaining. A private bedroom, bathroom, and living area provide the perfect setup for a mother-in-law suite, guest quarters, or home office. Two additional guest bedrooms share a spacious bath with double vanities, while the open living areas create a warm and inviting atmosphere. The kitchen overlooks the main living space and includes granite countertops, a farmhouse sink, stainless steel appliances, and a large island with bar seating. Adjacent dining and breakfast areas offer plenty of room for everyday meals and gatherings. Enjoy direct access to Choctawhatchee Bay from your private dock and boat lift, making boating, fishing, paddleboarding, and sunset cruises easily accessible from your backyard. Surrounded by mature landscaping in a peaceful South Walton County setting, this property presents a rare opportunity to enjoy waterfront living with room to grow. Whether you're looking for a primary residence, second home, or investment property, this home is ready for your personal touch. Conveniently located just minutes from the Emerald Coast's renowned beaches, dining, shopping, and entertainment, this is waterfront living at its best.

775 Old Ferry Rd, Santa Rosa Beach

Listing courtesy of LPT Realty LLC.

$2,500,000

5 Beds ⋅ 5 Baths ⋅ 1004315 MLS

Waterfront Home within Pelican Bay Community. This 5 bed/4.5 bath 3 story residence with 168' of water frontage on Choctawhatchee Bay. Equipped with a dock, 1 Boat Lift. Saltwater pool, outdoor kitchen with fireplace, kegerator, ice maker, wine/beverage fridge and a Lynx Grill. Ceiling heights ranging from 10' to 23' throughout the home. The open-concept kitchen is abundant with countertop space, cabinet storage, and natural Lighting. The picture window offers an indoor/outdoor experience while in the kitchen. Family Room offers 23' Vaulted Ceilings with Bay views, wood fireplace. Dual-car garage Pelican Bay offers a tennis court, pickleball courts, basketball goal and temporary overflow parking.

576 Shelter Cove Dr, Santa Rosa Beach

Listing courtesy of Savvy Avenue LLC.

$3,199,999

5 Beds ⋅ 5 Baths ⋅ 1001357 MLS

A magnificent custom Mediterranean estate situated on 100 ft of Choctawhatchee Bay. This showpiece's timeless, luxurious appointments; open, airy floor plan; and opulent landscaping are matched in exquisiteness only by the surrounding natural scenery. A large expanse of glass seamlessly merges the interior with the outdoors. A spectacular, fenced-in bayfront oasis features a large pool and covered sitting area. Incredible Sunrise views. This home offers master on the main, 2 master suites on 2nd floor, a study and a separate media room that can easily be turned into a 5th bedroom. Both the 1st floor and 2nd floor master suites offer outdoor access and luxurious en suites. Just 7 minutes north of Sandestin/Grand Blvd and 15mins to 30A. Exterior freshly painted all white. Bank Qual required

1239 Driftwood Point Rd, Santa Rosa Beach

Listing courtesy of GetMoreOffers.

$699,000

999974 MLS

Discover the beauty and tranquility of waterfront living with this stunning bayou front lot located in Sacred Oaks subdivision on Mack Bayou. This unique property offers expansive views over deep water and is graced with majestic 100 year oaks. This lot offers 2 boat slips and 2 lifts as well as a wave runner lift. The dock is also made with high-end TREX decking for added durability. Sacred Oaks is conveniently located near Grand Blvd, Sacred Oaks Hospital, Sandestin and 30A.

Lot 17 Beacon Point, Santa Rosa Beach

Listing courtesy of Mainsail Realty Company.

$2,895,000

3 Beds ⋅ 3 Baths ⋅ 999781 MLS

Under Contract w Kickout - Accepting Backup Contracts - Bayfront estate on .82 acres with 140+ feet of waterfront in Santa Rosa Beach. Custom all-brick home built for durability featuring a metal roof, geothermal HVAC, private dock, and concrete seawall. Vaulted ceilings with exposed beams, expansive windows, and an open kitchen and living area capture sweeping bay views throughout. Primary suite overlooks the water with a spacious bath and private setting. Mature trees and wide-open grounds provide exceptional privacy and space to add a pool or guest house. Enjoy boating, fishing, and unforgettable sunsets from your backyard. Rare legacy waterfront opportunity with premium improvements already in place and room to create your own private coastal retreat in one of the area's most sought-after bayfront settings Positioned along the Choctawhatchee Bay, this .82-acre waterfront estate offers approximately 140+ feet of frontage--delivering a level of space, privacy, and infrastructure that is increasingly rare in Santa Rosa Beach. This custom-built, all-brick residence was designed with long-term durability and efficiency in mind. Key structural and mechanical upgrades--including a metal roof and geothermal HVAC system--reflect the owner's commitment to quality, energy efficiency, and low long-term maintenance. The property is already equipped for the waterfront lifestyle, featuring a private dock and concrete seawall, providing both protection and immediate access to boating, fishing, and paddleboarding. Inside, vaulted ceilings with exposed beams define the main living space, while expansive windows frame sweeping bay views and fill the home with natural light. The open-concept kitchen and living area were intentionally designed for both everyday living and entertaining, always centered around the water. The primary suite is positioned along the bay, offering a peaceful retreat with water views from both the bedroom and bath. Owner-prioritized features and upgrades include: Metal roof for durability and longevity Geothermal HVAC system for energy efficiency Concrete seawall providing shoreline protection Private dock for direct water access Solid all-brick construction Vaulted ceilings with exposed beams Expansive windows maximizing bay views Open kitchen and living area designed for entertaining Primary suite overlooking the water Large driveway with ample guest parking Mature trees creating natural privacy Nearly .82-acre lot with room for pool, guest house, or expansion Step outside and the scale of the property becomes even more apparent. The wide, usable lot offers flexibility rarely found on the bay--ideal for creating a true outdoor living environment or expanding the existing footprint. With approximately 140+ feet of bay frontage, enjoy year-round sunsets and an unmatched waterfront lifestyle directly from your backyard. Located just minutes from 30A, dining, and shopping, yet tucked away in a private, serene setting, this property offers both convenience and seclusion. This is more than a home--it's a well-built, thoughtfully improved waterfront estate with the infrastructure already in place and the potential to become a true legacy property.

1570 Indian Woman Rd, Santa Rosa Beach

Listing courtesy of LPT Realty LLC.

$1,195,000

999777 MLS

Shovel-Ready Waterfront Estate on Hogtown Bayou with Optional HOA! Don't miss this ultra-rare opportunity to build your dream legacy estate on a premium, private cul-de-sac lot on Woodland Bayou Drive. Spanning over one full acre with an impressive 175 linear feet of direct waterfrontage. Avoid the grueling 12-to-18- month FDEP and the Army Corp of Engineers permitting and environmental backlogs-the heavy lifting is already complete with a newly installed seawall and permits in hand with fully finalized wetland mitigation. To accelerate your build, the seller is including a set of custom architectural plans beautifully tailored to the lot's unique dimensions which includes a three-car garage and pool. Located in a tranquil, estate-driven pocket, the property features a highly unique, optional HOA at an incredibly low $100 per year, giving you ultimate architectural freedom with zero corporate overreach. Whether you are a custom builder looking for a premium showcase lot or an individual seeking deep-water access, privacy, and space, this shovel ready parcel is unmatched on the bay. Inquire with Greg Smith today. (Note: Also available from same seller-inquire about our turn-key fully furnished 3BR/3BA single-level residence with private heated pool and no HOA located nearby in Seagrove Beach.

24 Woodland Bayou Dr, Santa Rosa Beach

Listing courtesy of Corcoran Reverie SRB.

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