Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$2,895,698$1,549 / 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 87How 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

640 FOREST ST

SANTA ROSA BEACH, FL 32459
5
Beds
5
Baths
1,870 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.
3,136 ft²
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.

Valuation

$2.9M
$2.5M low$3.3M high
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.$2,130,819
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$1,704,655
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.27%
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.$764,879
BANK OF BROOKHAVEN · recorded May 7, 2019

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$17,755 (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.$2,111,049 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$997,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$1,113,549
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$2,339,218
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$2,111,049

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.0.07
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.Porch · 824 ft²

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

640 Forest 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 91% of homes in Walton County
  • Costs more per square foot than 97% of homes in Walton County
  • Has a smaller lot than 80% of homes in Santa Rosa Beach 32459
  • Older 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
$284K$5.5M

This home is worth more than 87% 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$2,895,698
CheaperTypical $1,041,998Pricier

Pricier than 87% of homes nearby

Price per ft²$1549
CheaperTypical $522Pricier

Pricier than 95% of homes nearby

Living area1,870 ft²
SmallerTypical 2,072 ft²Bigger

Bigger than 39% of homes nearby

Lot size3,136 ft²
SmallerTypical 0.15 acBigger

Bigger than 20% of homes nearby

Year built1994
OlderTypical 2008Newer

Newer than 17% of homes nearby

How 640 Forest St ranks against every home in each area.
MeasureThis homeSanta Rosa Beach 32459Walton County
Estimated valuepricier than$2,895,69887% of homes91% of homes
Price per ft²pricier than$154995% of homes97% of homes
Living areabigger than1,870 ft²39% of homes50% of homes
Lot sizebigger than3,136 ft²20% of homes24% of homes
Year builtnewer than199417% of homes28% of homes

About 640 Forest St

How much is 640 Forest St, Santa Rosa Beach, FL worth?

The TopHap Estimate for 640 Forest St, Santa Rosa Beach, FL is $2,895,698 as of Jul 14, 2026. The likely range is $2,525,322 to $3,266,074. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 640 Forest St, Santa Rosa Beach, FL last sell?

640 Forest St, Santa Rosa Beach, FL last sold on Dec 30, 1993, according to the county's recorded deed.

How big is 640 Forest St, Santa Rosa Beach, FL?

640 Forest St, Santa Rosa Beach, FL has 5 bedrooms, 5 bathrooms, 1,870 square feet of living space and a 0.07-acre lot.

When was 640 Forest St, Santa Rosa Beach, FL built?

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

What schools serve 640 Forest St, Santa Rosa Beach, FL?

640 Forest 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 640 Forest 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 87% of them ($2,895,698 against a typical $1,041,998), its price per square foot is higher than 95% of them ($1549 against a typical $522), it is bigger than 39% of them (1,870 ft² against a typical 2,072 ft²), its lot is bigger than 20% of them (3,136 ft² against a typical 0.15 ac) and it is newer than 17% of them (1994 against a typical 2008). Measured against all of Walton County, it is worth more than 91% 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 640 Forest St, Santa Rosa Beach, FL?

The 2024 property tax bill for 640 Forest St, Santa Rosa Beach, FL was $17,755. The county assessed it at $2,111,049.

Closest homes

More homes in Santa Rosa Beach 32459

Assigned schools

Explore the area

See this home in context

Open 640 Forest St on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map