Santa Rosa Beach · Neighborhood
Mosaic Oaks Homes for Sale
Mosaic Oaks was approved in 2007 as 32 single-family lots on 5.24 acres in Santa Rosa Beach and recorded at Plat Book 18, page 15. County records for Lot 8 leave the owner and legal fields blank even though the lot has a county address and building value.
Short-term rentals: not allowed, per our brokerage's rental review.
Living in Mosaic Oaks
The Walton County Board of County Commissioners approved the Mosaic Oaks final plat on August 28, 2007: 32 single-family lots on 5.24 acres, future land use NPA/Infill, at the northwest corner of Chat Holly Road and Harstvedt Road. The county's subdivision header says the plat was recorded September 20, 2007, in Plat Book 18, page 15, and every lot legal cites the same reference. These are plat records, not statements about present condition, rules or availability.
The county parcel file has 33 parcels: 32 lots coded single family and one common-area parcel that the map draws as four separate pieces. The four drawn pieces are not four homes: the parcel's legal text refers to the plat's streets, common areas and limited common areas. Lot 8 is the odd record. It is coded single family and carries building, extra-feature, appraised and just values, yet its owner and legal-description fields are blank. It does have a county address point, 82 Mosaic Oaks Circle, so the blank row proves neither that the lot is vacant nor what stands on it.
Every lot has a county address point on Mosaic Oaks Circle with the Santa Rosa Beach 32459 postal designation, and the common-area parcel holds four more, three on Harstvedt Road and one on Mosaic Oaks Circle. Only some of the points carry the community name as a label, so a search on that label alone misses lots.
Checked outline by outline, no lot touches a special flood hazard area on FEMA's national map or Walton County's flood layer. By a grid estimate, 16 of the 32 lots have part of their ground in the shaded 0.2 percent annual chance band, up to about two thirds of one lot.
The 2026 state roll covers 31 homes and has no Lot 8 row. Those homes were built from 2008 to 2016, have 1,795 to 2,479 square feet of living area, and sit on 3,179 to 5,357 square feet of land. Do not assign those ranges to Lot 8 or to an unmatched listing.
HOA & Fees
What is the HOA fee at Mosaic Oaks?
No Mosaic Oaks home is for sale right now. On Mosaic Oaks homes sold between May 2026 and August 2026 whose MLS records state a fee, HOA fees were:
- Single-family homes: $50 to $55 a month, median $53 (4 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.
Fees billed quarterly, twice a year or yearly are shown as a monthly equivalent. Based on information from ECAR for the period May 14, 2026 through August 24, 2026.
Live Inventory
Homes Near Mosaic Oaks
Nothing is actively listed inside Mosaic Oaks today - these nearby Santa Rosa Beach homes are the closest matches.
Local Answers
Mosaic Oaks FAQ
How much is the HOA fee at Mosaic Oaks?
No Mosaic Oaks home is for sale right now. On Mosaic Oaks homes sold between May 2026 and August 2026 whose MLS records state a fee, HOA fees were: single-family homes, $50 to $55 a month, median $53 (4 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. Fees billed quarterly, twice a year or yearly are shown as a monthly equivalent. Based on information from ECAR for the period May 14, 2026 through August 24, 2026.
Which fields are absent from Lot 8 despite its SINGLE FAMILY code and value fields?
Its county row is single family with value fields, but the owner and legal-description fields are blank, and the 2026 state roll has no Lot 8 row, so no year built or living area is on file in either record. The county does carry an address point for it, 82 Mosaic Oaks Circle.
How do four features relate to one Mosaic Oaks common-area parcel?
The file contains 32 SINGLE FAMILY rows plus four features connected to a single common-area parcel. Legal text there references streets, common areas, and limited common areas, so the features do not represent four extra homes.
Which omitted Lot 8 record limits the 2008 to 2016 comparison range?
The 2026 state roll lists 31 homes built from 2008 to 2016, with living areas between 1,795 and 2,479 square feet and land between 3,179 and 5,357 square feet. Lot 8 is absent, so another property record would be needed before using those ranges for it.
How do the 2007 minutes and Plat Book 18 establish Mosaic Oaks timing?
County minutes record approval on August 28, 2007 for 32 single-family lots on 5.24 acres. The subdivision record gives a September 20, 2007 recording in Plat Book 18, page 15.
Do any Mosaic Oaks lots sit in a special flood hazard area?
Not on FEMA's national flood map or Walton County's flood layer: no lot outline touches one, and the Zone A and AE areas mapped nearby touch none of them. About half the lots, 16 of 32 by a grid estimate, carry part of the shaded 0.2 percent annual chance band. An address-specific determination still governs a given home.
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Sources
- Walton County Clerk, August 28, 2007 regular meeting minutes, Mosaic Oaks final plat (accessed September 28, 2026)
- Walton County open planning GIS, Subdivision Boundaries layer, Mosaic Oaks record (accessed September 28, 2026)
- Walton County open planning GIS, Parcels layer, Mosaic Oaks parcel series (accessed September 28, 2026)
- Florida statewide cadastral 2026 roll, Mosaic Oaks parcel series (accessed September 28, 2026)
- Walton County open planning GIS, address points around the Mosaic Oaks parcels (accessed October 4, 2026)
- FEMA National Flood Hazard Layer, polygons around the Mosaic Oaks parcels (accessed October 4, 2026)
Mosaic Oaks Market Analytics
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