110 Mosaic Oaks Circle, Santa Rosa Beach, FL 32459
Local realty services provided by:Better Homes and Gardens Real Estate Emerald Coast
110 Mosaic Oaks Circle,Santa Rosa Beach, FL 32459
$465,000
- 3 Beds
- 3 Baths
- - sq. ft.
- Single family
- Sold
Listed by: darlene s kluck
Office: lokation
MLS#:998598
Source:FL_ECAR
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Price summary
- Price:$465,000
About this home
With nearly $100,000 in thoughtful seller upgrades and a rare 2.75% assumable VA loan (exclusively available to qualified VA buyers), this charming Florida cottage in Mosaic Oaks presents a standout opportunity just under 4 miles from 30A's sugar-white beaches and only a mile from Choctawhatchee Bay and Kellogg Regional Park.
Impeccably maintained, this 3-bedroom, 2.5-bath home offers a beautifully upgraded coastal retreat with meaningful enhancements throughout, including a complete primary suite renovation, new luxury vinyl plank flooring, and a refreshed kitchen featuring professionally refinished cabinetry, a modern tile backsplash, and upgraded cabinet lighting.
Fresh interior and exterior paint, added trim detail, new shutters, gutters, & exterior doors create a cohesive, designer- -inspired aesthetic that carries seamlessly from inside to out. The backyard is a true showstopper--expertly designed for both entertaining and everyday enjoyment, featuring a Trex floating deck, custom paver patio, lush landscaping, irrigation system, and a fully fenced yard. An outdoor umbrella and elegant fire feature complete the setting, offering the perfect backdrop for grilling, gathering, or unwinding under the stars in your own private retreat.
Enjoy quiet mornings on the screened front porch or step upstairs to the private balcony off the primary suite--both ideal for catching coastal breezes and starting the day. The spacious primary retreat serves as a true sanctuary with dual closets, balcony access, and a spa-like bath featuring a separate garden tub and tiled shower.
Upstairs, a generous landing connects the bedrooms and provides flexible space for a lounge, office, or playroom. Additional improvements include new sod, professional landscaping, a storage shed, and numerous functional upgrades that enhance both comfort and long-term value.
Additional seller improvements since ownership include:
* Luxury vinyl flooring upstairs and in the stairwell
* Complete primary bathroom renovation
* Kitchen cabinet refinishing, backsplash, lighting, and vent hood
* Interior paint with added beadboard and trim detail
* Exterior paint and screened porch addition
* Fence installation and irrigation improvements
* Trex floating deck and custom paver patio
* New gutters and exterior doors
* Bermuda shutters
* Landscaping and sod
* Garage storage cabinetry
* Outdoor storage shed
The assumable VA loan at approximately 2.7% interest offers a valuable financing advantage for qualified buyers. Mosaic Oaks is a peaceful 32-home community conveniently located near Alaqua Dog Park, Padgett Park, South Walton High School, South Walton Library, local dining, shopping, and a daycare/preschool across the street. With beaches less than 10 minutes away and access to Choctawhatchee Bay within walking or biking distance, this home blends location, lifestyle, and meaningful upgrades into one beautifully maintained coastal property....
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Home facts
- Year built:2016
- Listing ID #:998598
- Added:55 day(s) ago
- Updated:June 10, 2026 at 06:43 AM
Rooms and interior
- Bedrooms:3
- Total bathrooms:3
- Full bathrooms:2
- Half bathrooms:1
- Rooms Total:6
- Kitchen Description:Dishwasher, Disposal, Microwave, Oven Self Cleaning, Refrigerator, Stove/Oven Electric
Heating and cooling
- Central air:Yes
Structure and exterior
- Year built:2016
- Lot Features:Covenants
- Architectural Style:Florida Cottage
- Exterior Features:BBQ Pit/Grill, Balcony, Fenced Area, Hurricane Shutters, Sprinkler System, Yard Building
Schools
- High school:South Walton
- Middle school:Emerald Coast
- Elementary school:Dune Lakes
Utilities
- Water:Public Water
Finances and disclosures
- Price:$465,000
- Tax amount:$2,941 (2025)
Features and amenities
- Appliances:Dishwasher, Disposal, Dryer, Microwave, Oven Self Cleaning, Refrigerator, Stove/Oven Electric, Washer
- Laundry features:Dryer, Washer
- Amenities:Kitchen Island, Pantry
Parking
- Garage:Yes
- Garage spaces:1
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