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Santa Rosa Beach · Neighborhood

Water Oaks Homes for Sale

Water Oaks is a 2005 Walton County plat off Mussett Bayou Road in Santa Rosa Beach, with houses on Water Oaks Loop and townhomes on Shady Oaks Lane.

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    Living in Water Oaks

    Water Oaks lies on the west side of Mussett Bayou Road, north of US Highway 98, and Walton County's address records give its homes Santa Rosa Beach addresses in ZIP code 32459. The final plat that came before the Board of County Commissioners on October 11, 2005 was presented as 45 single-family residences and 24 condominiums on about 9.85 acres. The clerk's certificate on the plat records its filing on October 19, 2005, in Plat Book 17, Page 19, as a replat of Lot 46 of the Santa Rosa Plantation Company Subdivision.

    The detached houses stand on 45 numbered lots along Water Oaks Loop, which the 2026 state parcel roll puts at roughly 3,900 to 6,300 square feet of land apiece. That roll dates the houses from 2011 to 2021, with most carrying a 2011 or 2012 year, and records living areas from 1,228 to 2,212 square feet. Several sizes recur on the loop: 1,339 square feet on five houses dated 2012, 2,026 on four dated 2011, and 1,464 on each of the five dated 2020 and 2021. County address points list 23 of those houses as two-story and 21 as one-story, with one left blank.

    The 24 attached homes that the 2005 minutes counted as condominiums appear on the county roll as numbered plat lots, each described as a townhome in Building 1, 2, 3 or 4, six to a building, under the use description townhouse. County address records give the four buildings the addresses 16 and 17 West Shady Oaks Lane and 19 and 20 East Shady Oaks Lane, each at two stories and six units. The state roll dates all 24 townhomes to 2014, each at 1,718 square feet of living area.

    The county roll also carries one common-area parcel, described as all streets, common areas and limited common areas on the Water Oaks plat, in the name Water Oaks Owners Association. A not-for-profit corporation of that name was filed with the state on October 10, 2005, the day before the commissioners approved the plat, and is listed as active. The plat dedicates its private roads and drainage to the association and states that the county does not maintain them.

    HOA & Fees

    What is the HOA fee at Water Oaks?

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

    • Single-family homes: $51 a month (1 listing)
    • Townhomes: $248 to $364 a month, median $357 (3 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 4 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 Water Oaks

    4

    Active Listings

    $275K

    Median List Price

    $208

    Avg Price / Sqft

    Live from today's Water Oaks 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 4 listings.

    New

    $260,000

    16 Shady Oaks Lane Unit A

    Santa Rosa Beach, FL 32459

    3 bd 2.5 ba 1,576 sqft
    New

    $400,000

    172 Water Oaks Loop

    Santa Rosa Beach, FL 32459

    3 bd 2.5 ba 1,258 sqft
    New

    $259,900

    19 Shady Oaks Lane Unit A

    Santa Rosa Beach, FL 32459

    3 bd 2.5 ba 1,576 sqft
    New

    $289,900

    17 Shady Oaks Lane Unit C

    Santa Rosa Beach, FL 32459

    3 bd 2.5 ba 1,576 sqft

    Local Answers

    Water Oaks FAQ

    How much is the HOA fee at Water Oaks?

    As of November 11, 2026, Water Oaks homes for sale that report a fee on the MLS list these HOA fees: single-family homes, $51 a month (1 listing); townhomes, $248 to $364 a month, median $357 (3 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.

    When did Walton County approve the Water Oaks plat on Mussett Bayou Road?

    On October 11, 2005. The county's growth management director presented Water Oaks Subdivision to the Board of County Commissioners alongside two other plats, reported that all three met the minimum technical requirements, and recommended approval with Water Oaks pending Legal Services approval. A single motion then cleared Water Oaks and the other two for recordation under the conditions staff had set, with four ayes and no nays. When asking a surveyor or title agent about any lot here, cite Plat Book 17, Page 19, whose clerk's certificate records filing on October 19, 2005, eight days after the approval.

    Are the Shady Oaks Lane townhomes in Water Oaks condominiums or plat lots?

    The records use both words. The October 2005 commission minutes counted 24 condominiums in the plan, while Walton County's roll now files all 24 as numbered Water Oaks lots with a townhouse use description. Twenty-three of those lot descriptions also cite Official Records Book 2905, Page 3759; the one for Lot 3 in Building 1 does not. Before weighing one of these homes against a condominium unit elsewhere, have a title agent read that instrument and the vesting deed to confirm exactly what the lot conveys.

    What years were the houses on Water Oaks Loop built?

    The 2026 state parcel roll dates the 45 houses on the loop from 2011 to 2021, although the plat itself was recorded in 2005. Seven carry a 2011 year and twenty-two a 2012 year, eleven date from 2013 through 2015, and five from 2020 and 2021. No house on that roll carries a year before 2011, so for any loop sale recorded between the 2005 plat and 2011, confirm whether the lot held a finished house when it changed hands.

    What owners association is named on the Water Oaks common-area parcel in Santa Rosa Beach?

    Water Oaks Owners Association. Walton County's roll carries the plat's common-area parcel in that name, and the state corporate registry lists a Florida not-for-profit corporation of the same name, document number N05000010366, filed October 10, 2005. Its status is active, with reinstatement filings in 2007 and 2009 and annual reports for 2024, 2025 and 2026. The registry entry does not set out the association's duties or charges, so ask the association for any recorded documents that bind a lot on this plat.

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