Santa Rosa Beach · Neighborhood
Gulf Reflections Homes for Sale
Gulf Reflections is a 15-lot plat on Emma Huggins Lane in Santa Rosa Beach, recorded October 31, 2005 in Plat Book 17, page 20. The 2026 state tax roll dates all 15 houses to 2014 through 2017, on lots of about 3,100 to 4,200 square feet.
Updated
- Short-Term Rental Eligible
Short-term rentals: allowed. Confirm the current minimum stay and registration with the association.
Living in Gulf Reflections
Walton County's subdivision record for Gulf Reflections reads as recorded October 31, 2005 in Plat Book 17, page 20, and covers all of parent parcel 02-3S-20-34160-000-0100. Under the plat's 02-3S-20-34640 parcel series the county roll holds 16 parcel numbers: lots 1 through 15, each classed single family, and one common-area parcel. The county's legal text for it covers the streets and every common and limited common area shown on the plat, and Gulf Reflections Homeowners Assoc is the owner of record. On the county map that one parcel shows up as four shapes adding to about 0.82 acre, hence 19 outlines for 16 parcel numbers.
The 2026 state tax roll dates the 15 houses to 2014 through 2017: seven to 2014, three to 2015, three to 2016 and two to 2017. Living space tops out at 2,157 square feet and bottoms out at 1,976. Lots 1 through 5 sit on about 4,200 square feet each, lots 6 through 15 on 3,104 to 3,335, and the county's drawn outlines agree with those roll figures. No lot is coded vacant. Emma Huggins Lane is the street on every one of the 15 house addresses, under a Santa Rosa Beach 32459 postal line.
On the county's zoning layer every lot reads Neighborhood Infill under Ordinance 2018-29, apart from edge slivers of the neighboring Low Density Residential district on six outlines. None of the county's mapped planning overlay areas covers any of the 19 outlines.
The flood maps are uneventful here: from the 3,100 square foot lots to the 0.82 acre of common ground, all 19 outlines read Zone X, labeled minimal hazard, on FEMA's map and on the county's alike. A class of ground says nothing of a given floor height, which is what an elevation certificate answers.
An association called Gulf Reflections Owners' Association, Inc. appears in the Florida Division of Corporations record as an active nonprofit, chartered June 10, 2005 and reinstated January 16, 2014. Its name differs from the county's owner spelling, and none of these records says what the association maintains, charges or restricts. Nothing cited here speaks to rental rules either, so obtain the recorded declaration and budget before assuming either way.
The August 20, 2026 pull for this name lists two active and sixteen sold dwellings under a Santa Rosa Beach filter. Sixteen sales against fifteen lots cannot be one per house, so the tally repeats houses or reaches past the plat, and it pictures a single day rather than what is listed now.
HOA & Fees
What is the HOA fee at Gulf Reflections?
As of November 11, 2026, Gulf Reflections homes for sale that report a fee on the MLS list these HOA fees:
- Single-family homes: $203 to $275 a month, median $239 (2 listings)
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.
Live Inventory
Homes for Sale in Gulf Reflections

$999,000
11 Emma Huggins Lane
Santa Rosa Beach, FL 32459

$1,100,000
14 Emma Huggins Lane
Santa Rosa Beach, FL 32459
The short-term rental badge above is not a permission of record. It reflects the MLS short-term-rental field where a listing discloses one, and otherwise where the home sits. Confirm the association's current rules and the local registration requirement before relying on it.
Local Answers
Gulf Reflections FAQ
How much is the HOA fee at Gulf Reflections?
As of November 11, 2026, Gulf Reflections homes for sale that report a fee on the MLS list these HOA fees: single-family homes, $203 to $275 a month, median $239 (2 listings). 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.
Which plat book and page holds the Gulf Reflections plat?
The county subdivision record reads as recorded October 31, 2005 in Plat Book 17, page 20, covering all of parent parcel 02-3S-20-34160-000-0100. Match a listing's legal description to that plat book and page before setting its sale beside the others.
How many homes and parcels does Gulf Reflections have?
The county roll holds 16 parcel numbers: 15 single-family lots and one common-area parcel, owned of record by Gulf Reflections Homeowners Assoc. The common parcel is drawn in four pieces, so a map shows 19 outlines. The 2026 state roll dates the 15 houses to 2014 through 2017.
Is there an owners' association registered for Gulf Reflections?
Yes in name: an active nonprofit called Gulf Reflections Owners' Association, Inc. was chartered in June 2005. The county roll spells the common-parcel owner Gulf Reflections Homeowners Assoc, so the tie is by name. No record cited here states dues, rules or rental limits; ask for the recorded declaration.
What flood zone do the Gulf Reflections lots fall in?
None of the Emma Huggins Lane lots touches a special flood hazard area on either map; Zone X is all that appears. Any one house's floor height still needs its own survey.
Can the 2-active, 16-sold Gulf Reflections count be used as current supply?
No. The pair belongs to August 20, 2026 and to a name match, not to a count of houses. Fifteen lots cannot yield sixteen separate sales, so tie each sale to a lot number and look at live listings for supply.
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Sources
- Walton County open planning GIS, Gulf Reflections subdivision header (accessed September 29, 2026)
- Walton County open planning GIS, Gulf Reflections exact parcel family (accessed September 29, 2026)
- Florida statewide cadastral, 2026 roll, Gulf Reflections parcel series (accessed October 4, 2026)
- Walton County open planning GIS, special flood hazard layer over the Gulf Reflections plat (accessed October 4, 2026)
- Florida Division of Corporations: Gulf Reflections Owners' Association, Inc. (accessed October 4, 2026)
- Walton County open planning GIS, zoning layer over the Gulf Reflections plat (accessed October 4, 2026)
- Walton County open planning GIS, planning overlay areas over the Gulf Reflections plat (accessed October 4, 2026)
- FEMA National Flood Hazard Layer over the Gulf Reflections plat (accessed October 4, 2026)
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