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Duplex (2 Units, Any Combination)Residential

40 COTTAGE ST

SANTA ROSA BEACH, FL 32459
6
Beds
4
Baths
3,200 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.
0.86 ac
Lot SizeThe size of the land the home sits on, from county records.
1994
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$11,656 (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.$1,680,069 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$1,100,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$580,069
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$1,687,505
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$1,680,069

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.36 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.77%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Duplex (2 Units, Any Combination)
CountyWalton
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.2002
Lot (acres)The size of the land the home sits on, from county records.0.86
RoofThe main material covering the roof, such as asphalt shingle or tile.Tin
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 · 752 ft²

Transaction History(1)

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.

H
South Walton High SchoolA-
High · Grades 9–12 · 3.5 mi
M
Emerald Coast Middle SchoolA-
Middle · Grades 6–8 · 3.6 mi
E
Dune Lakes Elementary SchoolA+
Elementary · Grades KG–5 · 3.8 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%

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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

40 Cottage 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.

  • Bigger than 89% of homes in Walton County
  • Has a bigger lot than 96% of homes in Santa Rosa Beach 32459
  • Older than 83% 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.

Living area3,200 ft²
SmallerTypical 2,082 ft²Bigger

Bigger than 85% of homes nearby

Lot size0.86 ac
SmallerTypical 0.15 acBigger

Bigger than 96% of homes nearby

Year built1994
OlderTypical 2008Newer

Newer than 17% of homes nearby

How 40 Cottage St ranks against every home in each area.
MeasureThis homeSanta Rosa Beach 32459Walton County
Living areabigger than3,200 ft²85% of homes89% of homes
Lot sizebigger than0.86 ac96% of homes84% of homes
Year builtnewer than199417% of homes28% of homes

About 40 Cottage St

When did 40 Cottage St, Santa Rosa Beach, FL last sell?

40 Cottage St, Santa Rosa Beach, FL last sold on Jun 8, 2005, according to the county's recorded deed.

How big is 40 Cottage St, Santa Rosa Beach, FL?

40 Cottage St, Santa Rosa Beach, FL has 6 bedrooms, 4 bathrooms, 3,200 square feet of living space and a 0.86-acre lot.

When was 40 Cottage St, Santa Rosa Beach, FL built?

40 Cottage St, Santa Rosa Beach, FL was built in 1994, making it 32 years old. The building has 2 stories.

What schools serve 40 Cottage St, Santa Rosa Beach, FL?

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

How does 40 Cottage St, Santa Rosa Beach, FL compare to other homes in Santa Rosa Beach 32459?

Among the 19,945 homes in Santa Rosa Beach 32459, it is bigger than 85% of them (3,200 ft² against a typical 2,082 ft²), its lot is bigger than 96% of them (0.86 ac against a typical 0.15 ac) and it is newer than 17% of them (1994 against a typical 2008). These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 40 Cottage St, Santa Rosa Beach, FL?

The 2024 property tax bill for 40 Cottage St, Santa Rosa Beach, FL was $11,656. The county assessed it at $1,680,069.

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