$464,900

190 L Street, Santa Rosa Beach, FL 32459

3 beds |
3 baths |
1,152 sqft

Single-Family Home
Built in 1984
0.33acre lot
—— car garage
$404/sqft
Listed 1 month ago

Property Description

Assumable 3.5% Mortgage! Private Bay view retreat with private balconies, deep, screened porch & direct canal access! Welcome to 190 L Street, a beautifully remodeled coastal retreat tucked away in the peaceful bay-front area of Santa Rosa Beach. Renovated in 2023, this charming 3-bedroom, 2.5-bath home offers 1,152 square feet of thoughtfully designed living space with stunning bay views and direct canal frontage. Wake up to serene water views from both the primary suite and second bedroom, each featuring private balconies perfect for morning coffee or sunset unwinding. The main living level opens to a spacious screened porch, creating the ideal space for relaxing, entertaining, and enjoying the coastal breeze. Set on a large lot for the area, the property offers privacy while embracing the laid-back coastal lifestyle that makes Santa Rosa Beach so special. Located just minutes from Cessna Landing Park and waterfront dining at The Bay, this home is perfectly positioned for those who love life on the water. Launch your kayaks or paddleboards directly from the canal in your backyard and spend the day exploring the bay. The beach and the world-famous 30A corridor are only about 10 minutes away, giving you quick access to white sand beaches, dining, and shopping while still enjoying a quiet retreat. With room for boat or RV parking, potential space for a pool, and additional lots available that could expand the property to nearly 0.7 acres, this is a rare opportunity offering flexibility, privacy, and strong investment potential in Santa Rosa Beach. Short-term rentals are allowed, making this property ideal as a primary residence, vacation home, or income-producing investment. Add in lots 18/19/20 for an additional $120,000. If purchased together, the seller is more negotiable.

Listing Status:: Active
Date Added:: February 28, 2026
Data Last Updated:: April 3, 2026 at 2:22PM
Listing Office:: Live 30A Real Estate LLC : 850-687-5300
Listing Agent:: Blaine A Atkinson : 850-324-7422
MLS ID:: 996542

General: FireplaceKitchen IslandRecessed LightingNewly PaintedPantryWasher/Dryer Hookup
Appliances: DishwasherDisposalMicrowaveRefrigeratorElectric Water Heater
Flooring: Vinyl
Heating: Heat High Efficiency

Style: Cabin

General: Foundation StiltsSiding CmntFbrHrdBrd2Foundation On Piling

Road/Access: County Road
Golf: Short Term Rental - Allowed
Originating MLS: Emerald Coast Association of REALTORS®
County: Walton

Zoning: Resid Single Family222S20331200300060
View: BayBayouCanal

Water: 0

Source: Emerald Coast Association of REALTORS®

This listing courtesy of Blaine A Atkinson , Live 30A Real Estate LLC

Monthly Payment

$Est. Payment

Principal & Interest $
Property Taxes $
Home Insurance $
VA Funding Fee $

Ready to Start a VA Loan?

Get Started

NMLS #1907 ^†

Get Prequalified »

Interest rates used in the VA mortgage calculator are shown for illustrative purposes only. Your rate may differ based on a variety of factors, including your credit score and the current market conditions. To get your personalized interest rate, start your quote online.

Location

Schools Nearby

Van R. Butler Elementary School

6694 W County Highway 30A, Santa Rosa Beach, FL, 32459

Grades KG-5

3.47 miles away

Emerald Coast Middle School

4019 US Highway 98 E, Santa Rosa Beach, FL, 32459

Grades 6-8

7.02 miles away

South Walton High School

645 Greenway Trl, Santa Rosa Beach, FL, 32459

Grades 9-12

2.85 miles away

Disclaimer: School and School District information courtesy of the National Center for Education Statistics (NCES). School boundaries may change. Proximity to listed schools does not guarantee enrollment eligibility. Contact the school district for more information and exact boundaries.