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Santa Rosa Beach · Neighborhood

Cottage Grove Homes for Sale

Cottage Grove is a 38-lot plat of single-family houses built 2020 to 2022 on White Cottage Road and Cove in Santa Rosa Beach, Walton County.

Updated

    Short-term rentals: not allowed, per our brokerage's rental review.

    Living in Cottage Grove

    Cottage Grove-A Coastal Neighborhood is recorded at Plat Book 21, page 79, which the county's subdivision header dates May 30, 2019, and Walton County's parcel layer lists lots 1 through 38 at that plat page, each one coded single family. County planning records connect it to a second name. A February 2025 staff report on a six-townhome plat, whose drawing shows Cottage Grove as the adjoining subdivision, calls that plat Phase IV, the final phase, of the Cottages at 393 South development. A final plat under that name, for 38 single-family lots and a pool amenity on about 14.27 acres on the west side of County Road 393 South, north of Cypress Pond Road and south of Edgewood Terrace, went before the Board of County Commissioners on May 23, 2019. A commissioner asked about stormwater, and the applicant's representative described a centralized pond retention system and the location of an excess run-off site; the county attorney said stormwater had been addressed in the development order process. One speaker opposed the plat, and the board approved it 4 to 0, subject to the conditions in the staff report.

    On the state's 2026 tax roll, lots 1 through 34 carry White Cottage Road addresses and lots 35 through 38 carry White Cottage Cove addresses, all in Santa Rosa Beach 32459, and every lot holds a house the roll dates to 2020, 2021 or 2022. Land area is where the public records split. The roll gives lot 38 about 3,500 square feet of land, while the county parcel layer credits it with 0.34 acre, about 14,800 square feet, the largest acreage it shows for any lot here. Lot 34 reads about 3,400 square feet on the roll against 0.1338 acre, about 5,800 square feet, in the county record, and the roll also puts lots 16, 17 and 20 well under their county acreage. Check a lot against the recorded plat before trusting either figure. The flood maps also split the plat: at a point inside each lot, FEMA's national layer and the county's layer both return Zone X, minimal flood hazard, for 33 lots and Zone A, which carries no published base flood elevation, for lots 15, 16, 17, 34 and 38, and the Zone A edge touches the boundaries of many of the other lots, so read the flood map at the specific lot.

    The parcel layer lists the streets, roads and common areas shown on the Cottage Grove plat as common-area records under the name Cottage Grove Owners Association, and it lists a separate record for the roads, drainage and utility easements of the townhome plat next door under the same name. What those records cover, and whether the pool named in 2019 stands and who may use it, are questions for the recorded plats and the association's documents; no public record reviewed here answers them. The six townhouse lots on Grove Townhomes Place are recorded apart, as Cottages at 393 South Townhomes at Plat Book 28, page 65.

    HOA & Fees

    What is the HOA fee at Cottage Grove?

    As of November 11, 2026, Cottage Grove homes for sale that report a fee on the MLS list these HOA fees:

    • Single-family homes: $356 a month (1 listing)
    • Townhomes: $350 a month (1 listing)

    Fees vary by home type and section. Some homes also belong to a sub-association for their section, and a listing's fee may cover only one association, so confirm every association a home belongs to and what each one charges.

    Based on 2 active MLS listings that report an HOA fee. Fees billed quarterly, twice a year or yearly are shown as a monthly equivalent.

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    Homes for Sale in Cottage Grove

    Local Answers

    Cottage Grove FAQ

    How much is the HOA fee at Cottage Grove?

    As of November 11, 2026, Cottage Grove homes for sale that report a fee on the MLS list these HOA fees: single-family homes, $356 a month (1 listing); townhomes, $350 a month (1 listing). Fees vary by home type and section. Some homes also belong to a sub-association for their section, and a listing's fee may cover only one association, so confirm every association a home belongs to and what each one charges.

    Is Cottage Grove in Santa Rosa Beach the same development as Cottages at 393 South?

    County records tie the two names together, though none reviewed here records a renaming; the county's subdivision header dates the Cottage Grove plat May 30, 2019, seven days after the May 23, 2019 board approval. The final plat the county board approved in May 2019 as Cottages at 393 South covered 38 single-family lots, the same count the parcel layer lists in Cottage Grove, and the 2019 request and a February 2025 Technical Review Committee item on the Phase IV townhomes name the same county parcel number. The proposed townhome plat labels the adjoining subdivision Cottage Grove-A Coastal Neighborhood, Plat Book 21, page 79, and the townhome plat's common-area record carries the Cottage Grove Owners Association name.

    When were the houses on White Cottage Road and White Cottage Cove built?

    The state's 2026 tax roll gives an actual year built for all 38 Cottage Grove lots, and only three years appear. Five houses date to 2020, on lots 3, 4, 5, 6 and 8 on White Cottage Road. Eleven date to 2021 and the other 22 to 2022, a group that includes every house on lots 31 through 38 and so all four on White Cottage Cove. Walton County's current parcel layer codes all 38 lots single family, with no vacant lot among them.

    How large are the houses on White Cottage Road and White Cottage Cove?

    The 2026 state tax roll gives living area for all 38 houses. On White Cottage Road, lots 1 through 34, it runs from 2,100 square feet on lot 29 to about 3,200 on lot 18. The four on White Cottage Cove, lots 35 through 38, hold about 2,800 to 3,700 square feet, and lot 38 there carries the largest house in the plat. Lot 35 is the smallest lot on both the roll and the county parcel record, at 2,874 square feet and 0.082 acre, and it holds a house of 2,796 square feet.

    What are the townhomes on Grove Townhomes Place beside Cottage Grove?

    They sit on their own plat. Walton County issued a development order for six townhomes and associated infrastructure on May 11, 2022, and a February 2025 staff report put the plat at about 0.64 acres, with water and sewer from Regional Utilities and one access from South County Highway 393. The county parcel layer now lists six townhouse lots recorded as Cottages at 393 South Townhomes, Plat Book 28, page 65, and county address points number the units 101 through 106 at 45 Grove Townhomes Place.

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