Santa Rosa Beach 32459

Crestview-Fort Walton Beach-Destin, FL · Walton County, FL · 24,095 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

15affordability /100

Buyer leverage is seller slight; weigh payment burden and the 3-lens valuation before bidding.

Payment burden
51.4%
severe
Days on market
89
daily
Price cuts
22.2%
of active
Valuation
-22.7%
vs assessor
Look up an address
29
/100
weak
cooling · seller slight · prices easing year-over-year.

Verdict grades housing conditions; buyer-timing, investor cash-flow, supply-tightness and county macro scores answer different questions — each in its own section.

Buyer / sellerbuyer-timing lens

78/ 100SellerBalancedBuyer
Negotiate Hard
Needs 41.6% correction for affordability
DOM: 136d (stable) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)100
Valuation Gap (25%)10
Supply & Demand (20%)100
Buy vs Rent (15%)100
Cancellation Rate (10%)100
Days on Market (5%)100

Moderate buyer leverage in 32459. Room to negotiate 5-10% below list. Payment burden: 51.5% of median income. A 32% price correction needed to reach 30% affordability threshold. Median days on market: 136. Renting is approximately 197% cheaper than buying (price-to-rent ratio: 35.6).

What to Offer

Offer 5-10% below list. You have room to negotiate.

Conditions resemble 2019 pre-pandemic levels — moderate overvaluation with slowing demand. Negotiation room exists.
COOLINGSELLER SLIGHT

Market is cooling with expanding inventory. Sellers hold a slight edge.

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Market snapshoteach number, once

Median price
$857,310
▾ 1.0% YoY
Days on market
89
daily · zip_data
Median rent
$2,005
ZORI
Investor score
24/100
cash-flow lens
Active listings
845
90-day

Valuation3 lenses, different anchors

vs assessor
-22.7%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$662,300
county CAMA · properties_v
vs income
—
Fair-value model not available for this market.
fair_value_scores · 10-state coverage
vs county comps
+69.4%
County-wide market — the widest, slowest signal.
Walton+69.4%
Lotvox comps · mv_valuation_gap
Read together: Above county comps but sustainable on local incomes.
Pricing detail
Price / sqft$405
Price-to-income8.5×

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How 32459 ranks in FL
percentile vs all FL ZIPs
Comparative ranking not available for this ZIP.

Affordability, supply & momentum

12SUPPLY
OversuppliedSupply Tightness

Ample inventory — buyers have time and leverage to negotiate.

Months of Supply32.9 mo
Days on Market89d
Inv vs History-6.9%
Listing Density97.8/1k
Market dynamics
Price cut %22.2%
Momentumcooling
LeverageSELLER SLIGHT
Months of supply32.9
Sales (90d)0
Investment analysis
Median rent$2,005
Price-to-rent35.6
Est. cap rate1.8%
Buy vs rentfavors renting

Livability

Walk score2
Transit score—
Bike score—

Historical trends

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Walton County contextmacro · jobs · debt · migration

ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.

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Crestview Metro·Overpriced ZIPs·Investor ZIPs·View on Map·Walton County