44 Ryan Street
Santa Rosa Beach, FL 32459
$1,299,900
About This Property
Enjoy coastal living in this turn-key 3-bedroom, 2.5-bath cottage located in the quiet, tree-lined community of Summer's Edge on Scenic 30A. Situated moments from deeded beach access, Eastern Lake, and community pool, this property offers an ideal layout for a personal coastal retreat or vacation rental investment. The welcoming front porch features upgraded Trex composite decking, matched by a private second-floor balcony off the primary suite. Inside, the open floor plan highlights real hardwood flooring, detailed crown molding, recessed lighting, and expansive windows. The main living area features custom built-in shelving, leading to a kitchen with stainless steel appliances, generous counter space, and a dedicated dining area. Upstairs, the primary suite includes soaring cathedral ceilings, a skylight, private balcony access, and a updated spa-style bathroom with a double vanity, freestanding soaking tub, and a custom tile shower. Two additional guest bedrooms offer comfortable accommodations with coastal finishes throughout. Residents and guests enjoy private deeded beach access, two neighborhood pools (one heated seasonally), and immediate proximity to the dining and shopping along 30A. floor-to-ceiling tiled shower. Guest bathrooms have also been tastefully updated with premium finishes. A rare opportunity to own a turnkey beach cottage in one of 30A's most desirable communities--where every day feels like vacation.
Market Context
$460K to $950K
Middle Half of Sales
$649K
Median Sold Price
$336
Median $/Sq Ft
97%
Sold vs Final Asking
242 closed sales of homes across Santa Rosa Beach, in the 12 months to October 2026. Matched on property type and bedroom count, among homes not on the water, but drawn from across the whole city rather than this building or subdivision.
Computed by Dream Destin Realty from Emerald Coast Association of Realtors MLS closed-sale data. Not an appraisal or an opinion of value. Based on information from ECAR for the period October 18, 2025 through October 18, 2026.
Facts & Features
- Property Type
- single family
- Neighborhood
- Summer's Edge
- Year Built
- 2001
- Lot Size
- 0.08 acres
- Waterfront
- No
- Short-Term Rental
- Eligible
- MLS #
- 1004180
- Balcony
- Patio
- A/C: Ceiling Fan(s)
- Heating: Heat High Efficiency
- Pool
Full MLS Details
Show allHide
Property Details
- Extras
- Cooktop, Dishwasher, Range Hood, Self Cleaning Oven
- Furnished
- Furnished
- Num Parking Spaces
- 2
- Num Rooms
- 6
- Patio
- Porch
- View Type
- Gulf
- Zoning Description
- Resid Single Family
- Foundation Type
- Foundation On Piling
- Energuide Rating
- Doors
- Zoning
- Resid Single Family
- Balcony
- Porch
- Property Sub Type
- Detached Single Family
- Architectural Style
- Caribbean
- Property Condition
- Construction Complete
- New Construction
- No
- Building Area Source
- Appraiser
- Parcel Number
- 24-3S-19-25470-00B-0050
- Stories
- 2
Interior
- Flooring Type
- Hardwood
- Interior Features
- Vaulted Ceiling(s), Recessed Lighting, Pantry, Washer/Dryer Hookup
- Primary Bedroom and Bath
- MBath Cultured Mrble, MBath Double Vanity, MBath Walk-In Closet, MBed Carpeted
Exterior & Construction
- Exterior Construction
- Foundation Off Grade
- Roof Material
- Metal
- Road Surface
- Paved
- Road Frontage
- City Street
- Pool
- Yes
Utilities
- Sewer
- Public Sewer
- Water Source
- Public
- Utilities
- Electric, Public Sewer, Public Water
- Energy
- AC - High Efficiency, AC - 2 or More, Ceiling Fans, Heat High Efficiency, Insulated Doors
Rooms
| Room | Level | Dimensions | Features |
|---|---|---|---|
| Master Bathroom | Second | 18 x 7 | - |
| Master Bedroom | Second | 18 x 10 | - |
| Living Room | First | 19 x 17 | - |
| Bedroom | Second | 11 x 7 | - |
| Dining Area | First | 17 x 10 | - |
| Bedroom | Second | 12 x 7 | - |
Homeowners Association
- Homeowners Association
- Yes
- Association Fee Includes
- Maintenance Grounds
- Association Management
- Virtous Management G
Financial
Taxes and fees as reported to the MLS by the listing office.
- Annual Taxes
- $8,141
- HOA Fee
- $1,040 Quarterly
- Annual Assessment
- $4,160
- Financing Terms
- Conventional, Other
- Homestead
- No
- Sold As Is
- No
- New Buyer Fee
- 0.25%
- Tax Year
- 2025
Lot
- Legal Description
- LOT 5 BLK B SUMMERS EDGE S/D PB 14-47 OR 2300-1225 OR 2291-1882 OR 2346-628 OR 2762-39 OR 3268-4791
- Measurement
- Acres
- Size
- 0.08
- Dimensions
- 81 x 44
- Square Feet
- 3484.8
- Lot Access
- City Road, Paved Road
Listing courtesy of Coldwell Banker Realty - Dawn McKenna Group, (850) 650-4563.
Location
Santa Rosa Beach, FL
Around Eastern Lake
- Properties
- 1,087
- Median Home Value
- $1.19M
- Second Homes / Seasonal
- 88%
Area estimates for the nearest Census neighborhood. Source: LiveBy, via the U.S. Census Bureau American Community Survey 2023. Provided for general information only and never a basis for housing decisions on race, color, religion, sex, familial status, national origin, disability, or any other protected class.
FEMA flood zone X: minimal risk. Outside the 500-year floodplain on FEMA's map. Flooding can still happen anywhere it rains.
Source: FEMA National Flood Hazard Layer, map 12131C. The zone is the map's designation for this point, not a determination for the parcel or the building; a lender's flood zone determination or an elevation certificate governs.
Hurricane evacuation zone B, Walton County. Counties call evacuations by zone, A first, so a home in zone B is asked to leave after zone A. Orders come from Walton County emergency management.
Source: Florida Division of Emergency Management, Know Your Zone, zone lines as of October 2022. The zone is the map's designation for this point; it is not a forecast of wind or surge for the building.
Within a half mile
Checking the map.
Price History
2 prices on record, including 1 past sale.Show historyHide
| Date | Event | Price |
|---|---|---|
| May 28, 2026 | Listed | $1,299,900 |
| August 26, 2022 | Sold | $1,465,000 |
No price changes recorded.
List prices reported to the MLS for this listing. Past sales are the closing prices recorded on this property's earlier MLS listings, as reported to the MLS.
Monthly Payment Estimate
20% down, 30-year fixed at 7.4%, the Freddie Mac average.$8,225/moShow the breakdownHide the breakdown
- Principal and interest
- $7,200/mo
- Property taxes
- $678/mo
- HOA dues
- $347/mo
- Estimated monthly total
- $8,225/mo
Assumes 20% down ($259,980) on the $1,299,900 list price and a 30-year fixed loan at 7.4%, the Freddie Mac national average for the week of October 15, 2026.
Adjust the rate, down payment or term
An estimate for planning only, not a loan offer or a quote. It leaves out homeowners insurance, mortgage insurance and flood insurance, any of which a lender may require. Taxes are the amount the listing office reported to the MLS and are reassessed after a sale. Confirm terms with a lender.
Schools
The 5 schools nearest this home, with distances. Not an attendance assignment.Show schoolsHide
- Seaside Neighborhood School2.4 mi from this homeWalton County School District · 10 Smolian Circle, Santa Rosa Beach · (850) 231-0396
- Dune Lakes Elementary School2.9 mi from this homeWalton County School District · 6565 Us Highway 98 E, Santa Rosa Beach · (850) 622-5012 · Website
- Ohana Institute3.1 mi from this home12805 Us Highway 98 E Ste J100, Inlet Beach · (850) 231-1140
- Emerald Coast Middle School3.5 mi from this homeWalton County School District · 4019 Us Highway 98e, Santa Rosa Beach · (850) 622-5025 · Website
- Bay School4.1 mi from this homeWalton County School District · 118 Gilmore St, Santa Rosa Beach · (850) 622-5050 · Website
Source: LiveBy. Schools shown are the nearest to this home, not an attendance assignment - enrollment and attendance zones are set by the school district and can change, so please confirm directly with the district.
Rental Analysis
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Beyond the Averages
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The snapshot shows market averages - they don't price this specific address. Request a tailored projection with a leading local management company, plus this home's actual rental history if available.
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Market data by Key Data · 230 homes tracked in this area · Oct 2025 to Oct 2026
Market statistics reflect the trailing performance of similar rental properties in this market, not this specific property, and are opinions of potential performance, not a guarantee of income. Performance varies with management, seasonality, and personal use. Verify rental eligibility and all figures independently.
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Prefer to talk? Call (515) 473-0962 or email brian@dreamdestin.com.
