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Single Family ResidenceResidential
$895,000$343 / 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 97How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $97,000 on Oct 20, 2017

521 SHELTER COVE DR

SANTA ROSA BEACH, FL 32459
4
Beds
3
Baths
2,612 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.
0.3 ac
Lot SizeThe size of the land the home sits on, from county records.
2020
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$895K
$868K low$922K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$97,000 · Oct 20, 2017

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,697 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$558,472 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$542,733
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$821,683

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.62
100
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
26
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
97
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
87
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
2
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.24 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.66%
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.Single Family Residence
CountyWALTON
Lot (acres)The size of the land the home sits on, from county records.0.30
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Central
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(4)

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.

E
Van R. Butler Elementary SchoolA
Elementary · Grades KG–5 · 3.5 mi
H
South Walton High SchoolA-
High · Grades 9–12 · 7.2 mi
M
Emerald Coast Middle SchoolA-
Middle · Grades 6–8 · 11.4 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

521 Shelter Cove Dr 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.

  • Costs less per square foot than 67% of homes in Santa Rosa Beach 32459
  • Bigger than 78% of homes in Walton County
  • Has a bigger lot than 80% of homes in Santa Rosa Beach 32459
  • Newer than 83% 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
$302K$6.1M

This home is worth more than 45% 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$895,000
CheaperTypical $992,365Pricier

Pricier than 45% of homes nearby

Price per ft²$343
CheaperTypical $491Pricier

Pricier than 33% of homes nearby

Living area2,612 ft²
SmallerTypical 2,072 ft²Bigger

Bigger than 72% of homes nearby

Lot size0.3 ac
SmallerTypical 0.15 acBigger

Bigger than 80% of homes nearby

Year built2020
OlderTypical 2008Newer

Newer than 83% of homes nearby

How 521 Shelter Cove Dr ranks against every home in each area.
MeasureThis homeSanta Rosa Beach 32459Walton County
Estimated valuepricier than$895,00045% of homes62% of homes
Price per ft²pricier than$34333% of homes50% of homes
Living areabigger than2,612 ft²72% of homes78% of homes
Lot sizebigger than0.3 ac80% of homes65% of homes
Year builtnewer than202083% of homes83% of homes

About 521 Shelter Cove Dr

How much is 521 Shelter Cove Dr, Santa Rosa Beach, FL worth?

The TopHap Estimate for 521 Shelter Cove Dr, Santa Rosa Beach, FL is $895,000 as of Sep 24, 2026. The likely range is $868,398 to $921,602. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 521 Shelter Cove Dr, Santa Rosa Beach, FL last sell?

521 Shelter Cove Dr, Santa Rosa Beach, FL last sold on Oct 20, 2017 for $97,000, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 521 Shelter Cove Dr, Santa Rosa Beach, FL?

521 Shelter Cove Dr, Santa Rosa Beach, FL has 4 bedrooms, 3 bathrooms, 2,612 square feet of living space and a 0.30-acre lot.

When was 521 Shelter Cove Dr, Santa Rosa Beach, FL built?

521 Shelter Cove Dr, Santa Rosa Beach, FL was built in 2020, making it 6 years old. The building has 2 stories.

What schools serve 521 Shelter Cove Dr, Santa Rosa Beach, FL?

521 Shelter Cove Dr, Santa Rosa Beach, FL is assigned to Van R. Butler Elementary School (elementary), rated A; South Walton High School (high), rated A-; Emerald Coast Middle School (middle), rated A-. All sit in Walton County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 521 Shelter Cove Dr, Santa Rosa Beach, FL compare to other homes in Santa Rosa Beach 32459?

Among the 19,939 homes in Santa Rosa Beach 32459, it is worth more than 45% of them ($895,000 against a typical $992,365), its price per square foot is higher than 33% of them ($343 against a typical $491), it is bigger than 72% of them (2,612 ft² against a typical 2,072 ft²), its lot is bigger than 80% of them (0.3 ac against a typical 0.15 ac) and it is newer than 83% of them (2020 against a typical 2008). Measured against all of Walton County, it is worth more than 62% 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 521 Shelter Cove Dr, Santa Rosa Beach, FL?

The 2025 property tax bill for 521 Shelter Cove Dr, Santa Rosa Beach, FL was $4,697. The county assessed it at $558,472.

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