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42 Palmetto Street, Santa Rosa Beach, FL 32459

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For Sale

$680,000

4 beds • 4 baths • 1 half baths • 3,417 sqft

Estimated Payment

$ 4,019 /mo. †

6.65% APR for 30 yrs.
$6,316 in taxes
Change Loan Terms

  • Single Family Detached
    Property type

  • Newly Listed
    Time on Century 21

  • $199.00
    Price per square foot

  • 11-20 Years Old
    Age

Explore this Property

MOTIVATED SELLER! Looking for a primary residence with an investment opportunity to help pay the mortgage? This property is perfect for you! Located in the desirable Turquoise Beach neighborhood of Santa Rosa Beach, just off Mack Bayou Drive, this three-story Florida Cottage offers a unique blend of living space and rental potential. The first floor features a lockout unit complete with a large bedroom, bathroom, living area, and kitchenette, including a sink, refrigerator, and cabinetry. Ideal for use as a long-term or short-term rental, or a convenient mother-in-law suite for guests. The second floor hosts the main living area with an open-concept floor plan. You'll find a spacious living room, kitchen, and dining area, along with a large balcony perfect for entertaining. There is also a roomy guest bedroom with an ensuite bathroom and a private balcony, plus a convenient half bath located off the kitchen for guests. On the third floor, the master suite offers a spacious bedroom with two walk-in closets, a large balcony, and an ensuite bathroom featuring dual vanities, a separate water closet, a soaking tub, and a walk-in shower. Across from the master suite is the final guest bedroom, which includes an ensuite bathroom and private balcony. The property also boasts a large yard with ample parking and no HOA fees. The seller has installed solar panels to reduce electricity costs and will pay off the loan upon the sale of the home. Additionally, a pre-inspection has been completed, with all issues addressed and repaired. The lockout unit has new LVP flooring installed in the bedroom and most of the interior has been freshly painted. This home is full of potential, competitively priced, and just minutes away from Walton County schools, 30A, Sacred Heart Hospital, and Grand Boulevard, which offers dining, shopping, and entertainment options. Buyer to verify all data, information, and/or dimensions provided herein and deemed important to Buyer before submitting an offer.
MLS# 971289

Courtesy Of Real Broker LLC

(855) 450-0442

Property Features

  • Age
    11-20 Years Old
  • Amenities
    Patio
  • Appliances
    Dishwasher, Microwave, Refrigerator, Washer
  • Architecture Style
    Other
  • Lot Size
    0.26 Acres
  • Rooms
    Dining Room, Family Room, Kitchen, Master Bathroom

Map and Directions

Directions to 42 Palmetto Street, Santa Rosa Beach, FL 32459

Home seller CENTURY 21 AllPoints Realty

Get to know the neighborhood. A local affiliated CENTURY 21 office will help you set up tours, give advice, and negotiate with sellers.

CENTURY 21 AllPoints Realty

(850) 837-7800
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Mortgage Calculator

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Monthly Payment Breakdown

  • Principle and Interest
    $3,492
  • Property Taxes
    $526
  • Hazard Insurance
    $0
  • Private Mortgage Insurance
    $0
  • HOA Dues
    $0
  • Total Monthly Payment:
    $4,019

Calculators provided for estimating purposes only. Consult with your lender to determine precise payment requirements.

Schools

Van R. Butler Elementary School

Grades KG-5 Public School

Santa Rosa Beach, FL 32459 4 miles
6694 w county highway 30a

911 total students
14:1 Student teacher ratio

School Rating: B+

School Details

Emerald Coast Middle School

Grades 6-8 Public School

Santa Rosa Beach, FL 32459 11.8 miles
4019 us highway 98 e

755 total students
17:1 Student teacher ratio

School Rating: B-

School Details

South Walton High School

Grades 9-12 Public School

Santa Rosa Beach, FL 32459 7.6 miles
645 greenway trl

1002 total students
18:1 Student teacher ratio

School Rating: A-

School Details
Other Nearby Schools Distance Type Grades School Rating
South Walton Academy 1.4 miles Private PK-11
Gateway Academy 3.5 miles Private PK-8
The Tree House Episcopal Montessori School 5 miles Private PK-KG
Les Petits Preparatory School 5.9 miles Private PK-KG

South Walton Academy

Distance: 1.4 miles

Type Private

Grades: PK-11

Gateway Academy

Distance: 3.5 miles

Type Private

Grades: PK-8

The Tree House Episcopal Montessori School

Distance: 5 miles

Type Private

Grades: PK-KG

Les Petits Preparatory School

Distance: 5.9 miles

Type Private

Grades: PK-KG

School information does not guarantee enrollment. School service boundaries are provided as a reference only, may change, and are not guaranteed to be accurate. Contact the school district directly to verify school enrollment eligibility.

Local area information for Santa Rosa Beach, FL 32459

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Santa Rosa Beach, FL 32459

This community’s employment is highest in the food and sales industries. The area’s overall household expenses are above the national average.

90° July
Hottest Average Month
42° January
Coldest Average Month
9,009 Total Households in Area
13.5% Increase in population since the year 2010
28.2%
of households
have children
20 minutes
Median Commute Time

Household Expenses vs National Average

This location’s average annual expenditures by category compared to the national average. Index score (100=National Average)

Demographic facts
for Santa Rosa Beach, FL 32459

Santa Rosa Beach, FL 32459 has a population of 19,910 people in 9,009 households with a median age of 47 years old.

13.5%
Increase in population
since the year 2010
Population is Trending up
7,292
Total households as of 2010
15.6%
projected percent change in total
households in 5 years

Community Population By Age

The median age for this area is 47 years old. The smallest percentage group is 45-54 years and the largest percentage is the 85+ years age range.

Community Population By Ethnicity

White 85%
Hispanic 9%
Other 4%
Asian 2%
Black 1%
Native American <1%
The most prevalent ethnicity is White at 85%, followed by Hispanic at 9%, Other at 4%, and Asian at 2%.

Economics
for Santa Rosa Beach, FL 32459

290 /sq mi
Population Density
$97,745 /yr
Median Household Income
$930,000
Median Sales Price
20 min
Median Commute Time

Household Expenses vs National Average

This location’s average annual expenditures by category compared to the national average. Index score (100=National Average)

Household by Income

Out of the households in this area, the largest income group is $100-124,999k representing 15.73% of the households.

Transportation to Work

  • Drive 76%
  • Work from Home 20%
  • Walk or Bike 3%
  • Public Transit 0%

Occupancy by Type

Vacant 10,070 53%
Owned 7,341 38%
Rented 1,668 9%

White vs Blue Collar Jobs







White Collar 81%
Blue Collar 19%

Family & Education Facts
for Santa Rosa Beach, FL 32459

47 Median Age

Average Household Size

2.2
persons per
household

61.9%

Married Households

Community Population By Education

Bachelors Degree 35%
High School Graduate 19%
Graduate Degree 16%
Some College 16%
Associates Degree 9%
Some High School 5%
Of the total people surveyed, the most prevalent educational attainment level is Bachelors Degree, representing 34.79% of the population.

Household Family Expenses vs National Average

This location’s average annual expenditures compared to the national average. Index score (100=National Average)
28.2% of households have children

Weather
for Santa Rosa Beach, FL 32459

The weather for this area ranges from a high of 90° F in July to a low of 42° F in January

90° July
Hottest Average Month
42° January
Coldest Average Month

Average Temperature by Month

Low (°F)
High (°F)
Jan
42°
62°
Feb
45°
65°
Mar
51°
70°
Apr
57°
77°
May
65°
83°
Jun
71°
88°
Jul
74°
90°
Aug
73°
90°
Sep
70°
87°
Oct
59°
80°
Nov
50°
71°
Dec
44°
64°

Average Temperature in Degrees Fahrenheit

Precipitation

Precipitation (inch)

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There's more to learn about Santa Rosa Beach, FL 32459!
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Copyright © 2025 Emerald Coast Association of Realtors. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified. Information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Data powered by Attom Data Solutions. Copyright© 2025. Information deemed reliable but not guaranteed.

This information is provided for general informational purposes only and should not be relied on in making any home-buying decisions. School information does not guarantee enrollment. Contact a local real estate professional or the school district(s) for current information on schools. This information is not intended for use in determining a person's eligibility to attend a school or to use or benefit from other city, town or local services.

† Based on a 30-year fixed rate of 3.38% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Interest rates are also subject to credit and property approval based on secondary market guidelines. The rates shown are based on average rates for our best qualified customers. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

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