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Indian Cove Homes for Sale

Indian Cove in Santa Rosa Beach is a Plat Book 21, page 74 plat of 30 named single-family lots and an association-owned common area, with houses built in 2020 and 2021 and every parcel mapped in Zone AE at 7 feet.

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    Living in Indian Cove

    In county records Indian Cove is Plat Book 21, page 74, under parcel prefix 14-2S-20-33210. A search of the county's legal text for the name finds 31 parcels: 30 single-family lots numbered 1 through 8 and 10 through 31, and one common-area parcel of about 3.8 acres owned by Indian Cove Owners Association and described as all streets, roads, common areas and easements shown on the plat. The county parcel layer also holds a 32nd parcel, numbered where Lot 9 would fall, with no owner or legal text, a single-family use code and about 0.14 acre. The state's 2026 tax roll does not list it and shows 31 parcels. No named Lot 9 appears anywhere in the legal text, so do not renumber the plat to fit; match a property by its parcel number and full legal description.

    On the 2026 roll, all 30 houses carry Santa Rosa Beach addresses with ZIP code 32459 and were built in 2020 (23 houses) or 2021 (seven). Twenty-six of the 30 lots measure between 6,011 and 6,359 square feet; the other four run from 6,751 to 10,454 square feet.

    County and FEMA flood maps agree when each parcel is tested on its own: all 32, including the one without legal text, lie in Zone AE with a base flood elevation of 7 feet, and one parcel also touches an AE area at 8 feet. Floor height for a house comes from its elevation certificate rather than the zone map, and Walton County's flood desk can answer for a given address. All 32 Indian Cove parcels sit in the unincorporated area, and no city boundary on the county's boundary map touches any of them.

    The county address layer lists 35 points for the 32 parcels: 32 single-family points on American Court, one temporary-pole point on American Court, and two on Indian Woman Road, one typed commercial and one untyped. Each is addressed to Santa Rosa Beach, 32459. An Indian Cove Owners Association, Inc. filed on April 17, 2019 and still listed as active shares its name with the county's common-area owner. Dues, rules and upkeep duties appear in neither source.

    A listing search for Santa Rosa Beach run on August 19, 2026 found 26 closed dwellings and none for sale. It draws on a different population than the county parcels, so it is a dated reading, not a count of the homes here.

    HOA & Fees

    What is the HOA fee at Indian Cove?

    No Indian Cove home is for sale right now. On Indian Cove homes sold in May 2026 whose MLS records state a fee, HOA fees were:

    • Single-family homes: $97 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.

    Fees billed quarterly, twice a year or yearly are shown as a monthly equivalent. Based on information from ECAR for the period May 8, 2026 through May 8, 2026.

    Live Inventory

    Homes Near Indian Cove

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    Local Answers

    Indian Cove FAQ

    How much is the HOA fee at Indian Cove?

    No Indian Cove home is for sale right now. On Indian Cove homes sold in May 2026 whose MLS records state a fee, HOA fees were: single-family homes, $97 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. Fees billed quarterly, twice a year or yearly are shown as a monthly equivalent. Based on information from ECAR for the period May 8, 2026 through May 8, 2026.

    How does the Indian Cove record reconcile the missing named Lot 9?

    County legal text for Indian Cove names 30 single-family lots, 1 through 8 and 10 through 31, plus a common-area parcel. The county parcel layer also holds a 32nd parcel where Lot 9 would fall, with no owner or legal text, and the state's 2026 roll omits it. Treat it as an unexplained record rather than a named lot.

    Why do county and state records disagree on how many Indian Cove parcels there are?

    The county parcel layer has 32 parcels under the Indian Cove prefix: 30 named lots, the common area and a blank record. The county's legal-text search sees 31 because the blank one has no text, and the state's 2026 roll lists 31 because it leaves the blank one out. None of the three is a home count.

    Which FEMA zone covers the Indian Cove parcels?

    Tested parcel by parcel, FEMA's flood layer and the county's own layer both place all 32 parcels in Zone AE with a base flood elevation of 7 feet; one parcel also touches an area at 8 feet. Neither layer records a finished floor height, which only an elevation certificate for the house gives.

    What accounts for the extra address features in this county response?

    The 35 points belong to 32 parcels. Thirty-two are single-family points on American Court; the rest are a temporary pole on American Court and a commercial point and an untyped point on Indian Woman Road. None of them is an extra residence.

    What did the August 2026 Santa Rosa Beach listing search show for Indian Cove?

    On August 19, 2026 it returned no homes for sale and 26 closed sales. That is one day's reading of a search, not a count of the 30 houses on the roll, and it says nothing about the association's dues, rules or rental terms.

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