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Single Family ResidenceResidential
$3,847,470$2,452 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 89How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $1,450,000 on Jun 23, 2014

109 W RUSKIN ST

SANTA ROSA BEACH, FL 32459
3
Beds
2
Baths
1,569 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
4,138 ft²
Lot SizeThe size of the land the home sits on, from county records.
2001
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$3.8M
$3.4M low$4.3M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$1,450,000 · Jun 23, 2014
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$2,243,697
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$1,794,958
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.40%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$1,100,000
BANDERA FIRST STATE BANK · recorded Jun 23, 2014
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$503,773
TEXAS HILL CNTRY BK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$23,612 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$2,764,539 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$1,050,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$1,714,539
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$3,114,332
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$2,764,539

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyWalton
Lot (acres)The size of the land the home sits on, from county records.0.10
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Central
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.DeckPorch · 841 ft²

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Emerald Coast Middle SchoolA-
Middle · Grades 6–8 · 2.9 mi
E
Dune Lakes Elementary SchoolA+
Elementary · Grades KG–5 · 3.3 mi
H
South Walton High SchoolA-
High · Grades 9–12 · 4.7 mi

District: Walton County School District

Neighborhood · ZIP 32459These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.90
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.73
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.16

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.47%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.36%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.5.2%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.21,405
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.311 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$109,318
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$141,770
Average tempThe average temperature here across a full year.68°F
Annual precipHow much rain and melted snow falls here in a typical year.66 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.60%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner
Company ownedWhether the owner is a company or trust rather than a person.Yes

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

109 W Ruskin St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 95% of homes in Walton County
  • Among the highest price per square foot in Santa Rosa Beach 32459
  • Smaller than 76% of homes in Santa Rosa Beach 32459
  • Has a smaller lot than 71% of homes in Walton County
  • Older than 70% of homes in Santa Rosa Beach 32459

What homes are worth in Santa Rosa Beach 32459

Each bar is how many homes fall in that price range. The marker is this home.

This home
$285K$5.9M

This home is worth more than 93% of homes in Santa Rosa Beach 32459.

How it measures up in Santa Rosa Beach 32459

The dot is this home. The mark in the middle is the typical home in Santa Rosa Beach 32459.

Estimated value$3,847,470
CheaperTypical $1,044,996Pricier

Pricier than 93% of homes nearby

Price per ft²$2452
CheaperTypical $521Pricier

Pricier than almost all homes nearby

Living area1,569 ft²
SmallerTypical 2,080 ft²Bigger

Bigger than 24% of homes nearby

Lot size4,138 ft²
SmallerTypical 0.15 acBigger

Bigger than 30% of homes nearby

Year built2001
OlderTypical 2007Newer

Newer than 30% of homes nearby

How 109 W Ruskin St ranks against every home in each area.
MeasureThis homeSanta Rosa Beach 32459Walton County
Estimated valuepricier than$3,847,47093% of homes95% of homes
Price per ft²pricier than$2452almost all homesalmost all homes
Living areabigger than1,569 ft²24% of homes35% of homes
Lot sizebigger than4,138 ft²30% of homes29% of homes
Year builtnewer than200130% of homes41% of homes

About 109 W Ruskin St

How much is 109 W Ruskin St, Santa Rosa Beach, FL worth?

The TopHap Estimate for 109 W Ruskin St, Santa Rosa Beach, FL is $3,847,470 as of Jul 14, 2026. The likely range is $3,439,250 to $4,255,690. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 109 W Ruskin St, Santa Rosa Beach, FL last sell?

109 W Ruskin St, Santa Rosa Beach, FL last sold on Jun 23, 2014 for $1,450,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 109 W Ruskin St, Santa Rosa Beach, FL?

109 W Ruskin St, Santa Rosa Beach, FL has 3 bedrooms, 2 bathrooms, 1,569 square feet of living space and a 0.10-acre lot.

When was 109 W Ruskin St, Santa Rosa Beach, FL built?

109 W Ruskin St, Santa Rosa Beach, FL was built in 2001, making it 25 years old. The building has 2 stories.

What schools serve 109 W Ruskin St, Santa Rosa Beach, FL?

109 W Ruskin St, Santa Rosa Beach, FL is assigned to Emerald Coast Middle School (middle), rated A-; Dune Lakes Elementary School (elementary), rated A+; South Walton High School (high), rated A-. All sit in Walton County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 109 W Ruskin St, Santa Rosa Beach, FL compare to other homes in Santa Rosa Beach 32459?

Among the 19,969 homes in Santa Rosa Beach 32459, it is worth more than 93% of them ($3,847,470 against a typical $1,044,996), its price per square foot is higher than almost all of them ($2452 against a typical $521), it is bigger than 24% of them (1,569 ft² against a typical 2,080 ft²), its lot is bigger than 30% of them (4,138 ft² against a typical 0.15 ac) and it is newer than 30% of them (2001 against a typical 2007). Measured against all of Walton County, it is worth more than 95% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 109 W Ruskin St, Santa Rosa Beach, FL?

The 2024 property tax bill for 109 W Ruskin St, Santa Rosa Beach, FL was $23,612. The county assessed it at $2,764,539.

Closest homes

More homes in Santa Rosa Beach 32459

Assigned schools

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