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Santa Rosa Beach · Neighborhood

The Shoal Homes for Sale

Listings call it The Shoal, while Walton County records the plat as THE SHOALS, number 34-2S-19-24060, in Plat Book 26, page 68. It holds 31 parcels: 30 lots, of which 20 carry houses that the 2026 property roll dates to 2025 and 10 are vacant, plus one common parcel of about 6.9 acres drawn in six pieces.

Updated

    Short-term rentals: not allowed, per our brokerage's rental review.

    Living in The Shoal

    Listings use the singular The Shoal, while Walton County files the plat as THE SHOALS under subdivision number 34-2S-19-24060. Its header record reads THE SHOALS PB 26-68 and divides the platted area by 30 lots, which is Plat Book 26, page 68. Both names should travel with a match, since a similar name alone proves nothing about inclusion.

    Walton County's parcel file holds 36 records under 31 parcel numbers. Thirty are lots: 20 classed single-family and 10 vacant, each between about 0.21 and 0.45 acre. The thirty-first, parcel 34-2S-19-24060-000-00A0, covers all streets, common areas and wetlands in the plat, lists Shoals Owners Assoc Inc as its owner, and is drawn in six pieces that add up to about 6.9 acres, against roughly 8.2 acres in the 30 lots together. That is why the record count runs ahead of the parcel count. A search of Florida's corporate registry found no association filed under that name, so the recorded deed is where to confirm who holds the common ground and what dues apply. Thirty lots over about 15 acres of plat works out to two lots per acre, the density in the zoning district's own name, with the open ground held in the common parcel rather than in the lots.

    The 2026 property roll dates all 20 houses to 2025 and gives them 2,583 to 3,569 square feet of living area, so no older house exists on the plat to compare against.

    County address points place 32 addresses inside the outlines, all labeled Santa Rosa Beach, 32459: 27 on Channel Shoal Drive and five on Camp Shoal Drive, with two of them on the common parcel. On the county's municipal layer nothing encloses these outlines, so the plat belongs to unincorporated Walton County rather than to any town. Zoning here is Conservation Residential at two units per acre (Ordinance 2018-29), and the future land use class carries the same name (Ordinance 2018-28). The county's list of adopted planning overlays includes none that reach the plat. The zoning layer also draws a separate Conservation district across about 4 to 8 percent of Lots 8, 9 and 10.

    Flood is mixed from lot to lot, and the county and FEMA maps agree on the mix. Counted by how much of each lot the map covers, 16 of the 30 lots lie wholly in Zone X, the minimal-hazard class, and 14 hold some Zone A ground, a mapped hazard area with no published base flood elevation. Eight of those 14 carry houses and six are vacant. The Zone A share runs from about 6 percent of a lot to all of Lot 16, a vacant lot, and reaches about half of the common parcel. The county wetlands layer draws forested wetland over part of eight lots, every one of them among the 14 and largely over the same ground, so on this plat a wetland question tends to travel with a flood question.

    On August 19, 2026 the singular name The Shoal drew three active and 26 sold Santa Rosa Beach listings, a tally that predates any match to parcel series 34-2S-19-24060.

    HOA & Fees

    What is the HOA fee at The Shoal?

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

    • Single-family homes: $100 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.

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    Homes for Sale in The Shoal

    Local Answers

    The Shoal FAQ

    How much is the HOA fee at The Shoal?

    As of November 11, 2026, The Shoal homes for sale that report a fee on the MLS list these HOA fees: single-family homes, $100 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.

    Why does the county spell it THE SHOALS when listings say The Shoal?

    County records list the plat as THE SHOALS, number 34-2S-19-24060, recorded in Plat Book 26, page 68, while listings use the singular name. Only the plat reference and parcel number tie a listing to the series, so check both.

    How many lots are in The Shoals plat?

    The county header divides the platted area by 30 lots, and the parcel layer agrees with 30 lot parcels: 20 single-family and 10 vacant. The thirty-first parcel is the common ground: streets, shared areas and wetlands.

    Why does the county show 36 records for 31 parcels at The Shoals?

    The common parcel, drawn in six separate pieces, returns one record per piece under a single parcel number, which swells 31 parcels into 36 records.

    Which streets and postal label do The Shoals addresses carry?

    County address points inside the plat show 27 on Channel Shoal Drive and five on Camp Shoal Drive, all labeled Santa Rosa Beach 32459. None of the plat's 36 outlines falls inside a town boundary on the county layer, so The Shoals is unincorporated Walton County.

    Does one flood zone cover The Shoals?

    No. Measured by coverage, 16 of the 30 lots are wholly Zone X and 14 hold some Zone A ground, which carries no published base flood elevation, from about 6 percent of a lot up to all of one vacant lot. Eight of the 14 carry houses and six are vacant, so elevation and coverage questions belong with the current map for the lot in question.

    What does the August 2026 count under the singular name The Shoal actually describe?

    The August 19, 2026 tally of three active and 26 sold Santa Rosa Beach listings came from the singular name, which carries no parcel numbers on its own, so it describes the name more than the plat.

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