Santa Rosa Beach · Neighborhood
Kara Lake Homes for Sale
Kara Lake Townhomes is a Walton County plat for 44 townhome lots and common area near Veterans Road. Its published mapping must be considered by individual lot because flood intersections vary across the recorded footprint.
Updated
- Short-Term Rental Eligible
Short-term rentals: allowed. Confirm the current minimum stay and registration with the association.
Living in Kara Lake
Walton County's land-use hearing minutes of May 28, 2020 record Kara Lake Townhomes as project PLA19-000023, a final plat for 44 townhome lots and common area on 9.0 acres, more or less, west of Veterans Road and about 0.2 miles north of US 98. The commissioners approved it contingent on the conditions in the staff report. The minutes name an earlier parent parcel rather than a current identifier for each residence, and they document plat approval, not present inventory, condition, ownership, fees or association rules.
The county parcel layer carries a separate legal record for each of LOT 1 KARA LAKE TOWNHOMES through LOT 44, all coded townhouse. It also draws one common-area parcel in three separate pieces, and the roll lists Kara Lake Homeowners Assoc Inc as that parcel's owner of record. The three pieces do not add homes or create a second common-area parcel. Relate a site to its recorded lot and parcel number before calling a record a residence.
The county and FEMA flood layers return the same pattern around the plat: Zone A, Zone AE and Zone X. One AE polygon, listed at an 11.5-foot static elevation, lies just north of the plat; neither layer shows it touching any of the 44 lots or the three common-area pieces. Testing each lot outline against both layers, lots 1 through 31 and 36 through 38 show only Zone X. Lots 32 through 35 and 39 through 44 include some Zone A ground, from a sliver under one percent on lots 35 and 39 to roughly 8.5 percent of lot 44 by sampled area. The common-area pieces are mixed, and the largest Zone A share, about two-thirds, sits in one of them. Neither layer lists a base flood elevation for Zone A. These readings cannot assign one flood label to every Kara Lake residence, so obtain current map evidence and an address-level qualified determination before relying on any of them.
The December 18, 2018 land-use hearing minutes record the applicant's engineer saying an on-site lake and a mosquito-control ditch would handle stormwater drainage. That limited engineering remark does not establish current amenities, access, maintenance, association obligations, rental terms or condition. Verify those matters from recorded documents and property-specific disclosures.
HOA & Fees
What is the HOA fee at Kara Lake?
As of November 11, 2026, Kara Lake homes for sale that report a fee on the MLS list these HOA fees:
- Townhomes: $325 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 2 active MLS listings that report an HOA fee.
Live Inventory
Homes for Sale in Kara Lake

$374,000
172 Kara Lake Drive
Santa Rosa Beach, FL 32459

$470,000
94 Kara Lake Drive
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
Kara Lake FAQ
How much is the HOA fee at Kara Lake?
As of November 11, 2026, Kara Lake homes for sale that report a fee on the MLS list these HOA fees: townhomes, $325 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.
Which 2020 hearing record documents project PLA19-000023 and its 44 townhome lots?
Walton County's May 2020 minutes identify PLA19-000023 and approval, contingent on the staff report's conditions, to plat 44 townhome lots plus common area on 9.0 acres, more or less, west of Veterans Road, about 0.2 miles north of US 98. It is not a current inventory, condition report or association rule.
What do the Kara Lake LOT 1 through LOT 44 legal descriptions and common-area geometries show?
The county layer lists 44 legal descriptions from LOT 1 through LOT 44 KARA LAKE TOWNHOMES and three geometries under one common-area parcel number. The latter are map pieces of a single parcel, not extra residences or a second common-area property.
Why does Kara Lake need a lot-by-lot flood review?
Lots 1 through 31 and 36 through 38 show only Zone X, while lots 32 through 35 and 39 through 44 include some Zone A ground, at most about 8.5 percent of a lot. The common area is mixed. The local AE area shows 11.5 feet but touches no lot.
Why can a single map point disagree with a parcel-wide comparison?
A point samples one coordinate, while the parcel comparison examines the full recorded geometry. A lot can show X at that point yet include a smaller A portion elsewhere. Use the exact parcel and a current qualified determination.
What due diligence remains for an individual Kara Lake property?
For the subject address, verify its parcel and recorded lot, then review the current FEMA mapping with a qualified address-specific determination. The plat minutes and parcel layer leave condition, obligations, maintenance, access, rental terms and insurance requirements unresolved. A dwelling-only listing search for Santa Rosa Beach on August 19, 2026 showed 43 sold records and two active listings, a dated observation and not current inventory.
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Sources
- Walton County Clerk, May 28, 2020 final plat minutes, Kara Lake Townhomes (accessed September 28, 2026)
- Walton County Clerk, December 18, 2018 land-use hearing minutes, Kara Lake Townhomes (accessed September 28, 2026)
- Walton County open planning GIS, Parcels layer, Kara Lake Townhomes parcel series (accessed September 28, 2026)
- Walton County open planning GIS, Special Flood Hazard Areas layer, Kara Lake mapped area (accessed September 28, 2026)
- FEMA National Flood Hazard Layer, Kara Lake mapped area query (accessed September 28, 2026)
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