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Dream Destin Realty

Santa Rosa Beach · Neighborhood

Gulf Trace Homes for Sale

Gulf Trace is an 86-parcel Gulf-side neighborhood in Santa Rosa Beach, platted in two steps: Gulf Trace in June 1980 (Plat Book 5, Page 44) and Gulf Trace 1st Addition in May 1981 (Plat Book 5, Page 73). A Walton County neighborhood plan sets its own building rules.

Updated

  • Short-Term Rental Eligible

Short-term rentals: allowed. Confirm the current minimum stay and registration with the association.

Living in Gulf Trace

Gulf Trace was platted in two steps. The original plat, Plat Book 5, Page 44, was filed June 10, 1980, and the First Addition, Plat Book 5, Page 73, followed on May 11, 1981. County parcel numbers keep them apart: 08-3S-19-25020 for the original and 08-3S-19-25040 for the addition, 44 and 42 parcels, 86 in all. The prefix and the plat reference in a legal description decide which plat a lot belongs to, not its street address, and six parcels are described by bearings and distances from the plat corner rather than by a plain lot number.

Walton County's planning overlay map labels the 29.7-acre area Gulf Trace NP and cites Ordinance 2010-03 and Appendix C NP-4 of the Land Development Code, and the county lists the Gulf Trace Neighborhood Plan among its approved plans. The plan's text applies it to both plats, and the overlay outline covers all 86 parcels, with a sliver of up to about 6 percent of ground outside it on 23 of them. Its standards allow single-family detached houses and home occupations only, with no multi-family, commercial or vending use. Buildings may stand no taller than 45 feet, as two levels of living space over pilings with no flat roofs, and must hold at least 1,200 square feet of heated and cooled space. Lots may not be subdivided further. The front setback is 25 feet, or 10 feet for Gulf-front houses. One accessory apartment of up to 600 square feet is allowed per lot, rentable only to the owner's family or together with the main house. The plan also standardizes rental and for-sale signs and bars on-street parking except for service vehicles.

The plan's own history says the subdivision's private covenants expired on December 1, 2006 and a 2008 owner vote to renew them fell one owner short of the unanimity required, which is why the plan was written. That is the plan's account as of 2009 and 2010, and nothing cited here shows whether covenants have been recorded since. The plan describes the Gulf of Mexico to the south and state park land on the other three sides, and the county roll agrees for the north, east and west, where the neighboring parcels are listed to the state's recreation and parks office. It also says the subdivision holds an access right-of-way across the park, that Gulf Trace maintains its paved roads, and that the original plat dedicates two pedestrian beach accesses to Gulf Trace property owners, between Lots 13 and 14 and between Lots 19 and 20 of Block A. Confirm road responsibility and beach access in writing before relying on them.

The county parcel file classes 74 parcels as single family, 7 vacant, 3 multi-family under 10 units, 1 common area and 1 site improvement. The 2026 state tax roll reaches the same 86 parcels, all Santa Rosa Beach 32459: 74 single-family houses dated 1981 to 2025, with 30 from the 1980s, 19 from the 1990s, 13 from the 2000s, 4 from the 2010s and 8 from the 2020s, and living areas of 1,718 to 7,964 square feet. Eight parcels are coded vacant, one of which the county calls a site improvement, three are multi-family, and one is the common area. Situs addresses fall on Gulf Shore, Savelle, White Sands, High Dune, Gulf Ridge and Gulf Breeze drives. The roll's land-area field differs from the county's drawn outlines by more than a quarter on 6 of the 85 parcels that carry one, with one parcel at 187,586 square feet against about 10,000 drawn, so use the lot tables printed on the recorded plats. The three multi-family parcels sit beside a single-family-only rule; the plan lets earlier lawful uses continue, but these records do not say which uses qualify.

One parcel, 4.31 acres on the county map, holds the shared ground, and Gulf Trace Owners Assoc Inc is its owner of record; its legal text names the common areas, streets, rights-of-way and easements of the First Addition plat. A nonprofit of that name was incorporated July 3, 2007 and reinstated February 2, 2009, and is active in the state's corporate record. The records are silent on association assessments, enforcement and rentals.

Gulf Trace's flood picture splits by position. Intersecting the 86 county outlines with FEMA's map and with the county's own layer gave identical tallies: 75 outlines meet Zone X, 20 meet VE, 4 meet AE and 12 meet the shaded X band for 0.2 percent annual chance. The counts overlap, since one parcel can meet several. All 19 lots with velocity-zone ground are Block A lots, the row the plats draw along the Gulf, and 18 of the 20 VE parcels are at least half VE, in bands labeled 11, 12 and 15 feet. Fifty-nine parcels meet nothing but the unshaded X. None of this fixes an individual floor height; that takes a lot-specific elevation certificate.

The August 19, 2026 reading of 3 active and 33 sold in Santa Rosa Beach comes from matching on the name, which spans two plats and four decades of building. It dates a moment and does not describe what is listed today.

HOA & Fees

What is the HOA fee at Gulf Trace?

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

  • Single-family homes: $83 a month (3 listings)
  • Townhomes: $83 a month (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 5 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 Trace

6

Active Listings

$5.03M

Median List Price

$1,624

Avg Price / Sqft

Live from today's Gulf Trace MLS file. This count covers condos, townhomes and single-family homes only, the same dwelling basis the market page uses, so lots and land are left out. The median and $/sq ft beside it cover the same 6 listings.

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 Trace FAQ

How much is the HOA fee at Gulf Trace?

As of November 11, 2026, Gulf Trace homes for sale that report a fee on the MLS list these HOA fees: single-family homes, $83 a month (3 listings); townhomes, $83 a month (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.

Is Gulf Trace one plat or two?

Two. Gulf Trace was filed June 10, 1980 at Plat Book 5, Page 44 and carries parcel prefix 08-3S-19-25020. Gulf Trace 1st Addition was filed May 11, 1981 at Plat Book 5, Page 73 under 08-3S-19-25040. One Walton County neighborhood plan covers both.

What does the Gulf Trace neighborhood plan allow and forbid?

The county's Gulf Trace NP overlay (Ordinance 2010-03, Appendix C NP-4) allows single-family detached houses and home occupations, and no multi-family, commercial or vending use. It sets a 45 foot height cap, a 1,200 square foot minimum for heated space, a 25 foot front setback (10 feet for Gulf-front houses) and no further lot splits. Read the plan itself before designing or renovating.

Who is responsible for the roads and beach walkways at Gulf Trace?

The neighborhood plan says Gulf Trace maintains its paved roads, and the original plat dedicates two pedestrian beach accesses to Gulf Trace property owners, between Lots 13 and 14 and between Lots 19 and 20 of Block A. On the county roll the shared parcel belongs to Gulf Trace Owners Assoc Inc. The road and walkway statements are the plan's, from about 2010, so have current responsibility confirmed in writing.

What do the tax rolls show about Gulf Trace houses?

The 2026 state roll lists 74 single-family houses dated 1981 to 2025, with living areas of 1,718 to 7,964 square feet, plus 8 vacant parcels, 3 multi-family parcels and the common area, on Gulf Shore, Savelle, White Sands, High Dune, Gulf Ridge and Gulf Breeze drives. Its land-area field is unreliable for some parcels, so use the printed plat lot tables.

How much of Gulf Trace sits in a coastal flood zone?

Mostly the Gulf-side row. Twenty of the 86 parcels meet Zone VE, the coastal high hazard zone: 19 Block A lots and a slice of the common ground. Four meet AE, 12 meet the shaded 0.2 percent band of X, and 59 meet only unshaded X. A parcel can meet several, so read the map at the specific lot.

Does the 3-active, 33-sold Gulf Trace count show what is for sale now?

No. The 3-and-33 pair is from August 19, 2026 and matches on a name that covers both plats. Check live listings, and tie any property to its plat first.

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Sources

Gulf Trace Market Analytics

Sale prices, trends, days on market, and inventory - refreshed monthly from MLS data.

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Thinking about Gulf Trace?

Covenants, rental rules, resale history - get the neighborhood file from agents who work it.