76 Mosaic Oaks Circle, Santa Rosa Beach, FL 32459 (MLS# 783773)

76 Mosaic Oaks Circle, Santa Rosa Beach, FL 32459

$414,900

Boat Ramp/Thomas Pilcher Park 331 Bridge

Property Type: Residential Bedrooms: 3 Baths: 3 Square Footage: 1,874 Lot Size (sq. ft.): 3,659 Status: Active

Current Price: $414,900 List Date: 4/07/2026 Last Modified: 6/11/2026

Overview

Description

***VA Loan Assumable Interest Rate 3.125%*** Welcome to 76 Mosaic Circle, a beautifully updated home in the peaceful community of Mosaic Oaks, just minutes from the sugar-white beaches and turquoise waters of 30A. This 3 bedroom, 2.5 bath property offers 1,874 square feet of thoughtfully designed living space, blending comfort, convenience, and the relaxed luxury that makes Florida's Gulf Coast so desirable. Inside, the home feels bright and inviting with fresh interior paint, brand-new carpet upstairs, and an open-concept layout that creates an effortless flow for both everyday living and entertaining. The kitchen features stainless steel appliances, two pantries, and a breakfast bar that opens into the living and dining areas, offering an ideal setup for gathering after beach days or hosting out-of-town guests. Upstairs, the owner's suite serves as a private retreat with a balcony featuring new Trex decking (2024), elegant crown molding, and two generous walk-in closets … (Read more) ***VA Loan Assumable Interest Rate 3.125%*** Welcome to 76 Mosaic Circle, a beautifully updated home in the peaceful community of Mosaic Oaks, just minutes from the sugar-white beaches and turquoise waters of 30A. This 3 bedroom, 2.5 bath property offers 1,874 square feet of thoughtfully designed living space, blending comfort, convenience, and the relaxed luxury that makes Florida’s Gulf Coast so desirable. Inside, the home feels bright and inviting with fresh interior paint, brand-new carpet upstairs, and an open-concept layout that creates an effortless flow for both everyday living and entertaining. The kitchen features stainless steel appliances, two pantries, and a breakfast bar that opens into the living and dining areas, offering an ideal setup for gathering after beach days or hosting out-of-town guests. Upstairs, the owner’s suite serves as a private retreat with a balcony featuring new Trex decking (2024), elegant crown molding, and two generous walk-in closets. The spacious en-suite bath includes dual vanities, a soaking tub, and a separate walk-in shower, perfect for unwinding after a day in the sun. Additional highlights include a newer HVAC system (2022), Reme Halo air purifier, second-floor laundry hookups, attic stairs for storage, an outdoor shower for sandy beach returns, and an irrigation system complete with a new well pump system. The exterior of the home was also freshly painted in 2023, adding to its low-maintenance appeal. Santa Rosa Beach offers a quiet, welcoming atmosphere with sidewalks and green spaces ideal for walking, biking, and enjoying Florida’s year-round sunshine. From this convenient location, you’re just minutes from pristine beaches, local dining, boutique shopping, grocery stores, parks, and scenic nature trails. Whether you’re relocating, searching for a second home, or dreaming of a serene coastal lifestyle, 76 Mosaic Circle presents an exceptional opportunity to experience the beauty, comfort, and convenience of life along the Emerald Coast.

Listing Details MLS# 783773

Contract Info

List Price/SqFt: 221.4

Location

Area: 12 – Walton County
Street #: 76
Street Name: Mosaic Oaks
Street Suffix: Circle
State: FL
Zip Code: 32459
County: Walton
Sub Area: 1202 – Walton – Santa Rosa Beach
Subdivision: No Named Subdivision
Community/Resort: None
Waterfront: No
Parcel ID: 24-2S-20-33510-000-0070
Elementary School: Van R Butler
Middle School: Emerald Coast
High School: South Walton
Directions: Directions: From From Hwy 98, turn north onto JD Miller Rd, turn left onto Chat Holley Rd, turn right onto Harstvedt Rd, turn left onto Mosaic Oaks Cir. to 76 Mosaic Oaks Circle.
Legal Description: LOT 7 MOSAIC OAKS S/D PB 18-15 OR 2859-69 OR 2866-3602 OR 2902-82 OR 2939-4082 OR 3101-577

General Property Info

Sub-Type: Detached Single Family
Design: Beach House
Apx SqFt(Htd/Cooled): 1874
SqFt Source: Prop App Site
Full Baths: 2
Half Baths: Yes
Total Baths: 3
# of Stories in Building: 2
Year Built: 2013
Immediate Occupancy: Yes
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: Yes
Lot Dimensions: 43x87x43x85
Acreage: 0.08
Lot Size (SqFt): 3659
Pool: No

Listing Info, Tax and Legal

Homestead: No
HOA Fee: Yes
HOA Amount: 50
HOA Frequency: Monthly
HOA Annual Amount: 600
New Buyer Fee: No
Last Taxes: 3155
Last Tax Year: 2025
Brokerage Interest: No Interest
As Is: Yes

Remarks & Misc

Remarks: ***VA Loan Assumable Interest Rate 3.125%*** Welcome to 76 Mosaic Circle, a beautifully updated home in the peaceful community of Mosaic Oaks, just minutes from the sugar-white beaches and turquoise waters of 30A. This 3 bedroom, 2.5 bath property offers 1,874 square feet of thoughtfully designed living space, blending comfort, convenience, and the relaxed luxury that makes Florida's Gulf Coast so desirable. Inside, the home feels bright and inviting with fresh interior paint, brand-new carpet upstairs, and an open-concept layout that creates an effortless flow for both everyday living and entertaining. The kitchen features stainless steel appliances, two pantries, and a breakfast bar that opens into the living and dining areas, offering an ideal setup for gathering after beach days or hosting out-of-town guests. Upstairs, the owner's suite serves as a private retreat with a balcony featuring new Trex decking (2024), elegant crown molding, and two generous walk-in closets. The spacious en-suite bath includes dual vanities, a soaking tub, and a separate walk-in shower, perfect for unwinding after a day in the sun. Additional highlights include a newer HVAC system (2022), Reme Halo air purifier, second-floor laundry hookups, attic stairs for storage, an outdoor shower for sandy beach returns, and an irrigation system complete with a new well pump system. The exterior of the home was also freshly painted in 2023, adding to its low-maintenance appeal. Santa Rosa Beach offers a quiet, welcoming atmosphere with sidewalks and green spaces ideal for walking, biking, and enjoying Florida's year-round sunshine. From this convenient location, you're just minutes from pristine beaches, local dining, boutique shopping, grocery stores, parks, and scenic nature trails. Whether you're relocating, searching for a second home, or dreaming of a serene coastal lifestyle, 76 Mosaic Circle presents an exceptional opportunity to experience the beauty, comfort, and convenience of life along the Emerald Coast.

Dining Room

First: Yes

More Information

Appliances

Cooktop – Electric: Yes
Dishwasher: Yes
Disposal: Yes
Microwave: Yes
Oven – Electric: Yes
Refrigerator: Yes
Water Heater – Electric: Yes

Interior Features

Breakfast Bar: Yes
Floor – Laminate: Yes
Floor – Tile: Yes
Pantry: Yes
Stairs: Yes

Construction/Siding

Foundation – Slab on Grade: Yes
Wood/Frame: Yes
Siding – Hardie Board: Yes

Exterior

Balcony: Yes
Fenced Back Yard: Yes
Fenced Privacy: Yes
Porch Covered: Yes
Porch Screened: Yes

Association Fees Include

Accounting: Yes
Management: Yes

Financing

Cash: Yes
Conventional: Yes
FHA: Yes
VA: Yes

Furnished

Unfurnished: Yes

Living Room

First: Yes

Parking Features

Driveway: Yes
Garage Attached: Yes
Paved: Yes

Present Zoning

Resid Single Family: Yes

Rooms

Bedroom: Yes
Dining Room: Yes
Living Room: Yes
Primary Bedroom: Yes

Utilities

Cable – Available: Yes
Electricity – Availabile: Yes
Sewer Available: Yes
Public Water – Available: Yes

Sale Type

As Is: Yes

Primary Bedroom

Second: Yes

Bedroom

Second: Yes

Cooling

Ceiling Fan(s): Yes
Central Air: Yes
Electric: Yes

Heating

Central: Yes
Electric: Yes

Primary Bdrm/Primary Bath

MBath Double Vanity: Yes
MBath Separate Shwr: Yes
MBath Tub – Soaking: Yes
MBed Balcony: Yes
MBed Walk-in Closet: Yes

Security Features

Smoke Detector(s): Yes

Property Features

Appliances: Cooktop – Electric; Dishwasher; Disposal; Microwave; Oven – Electric; Refrigerator; Water Heater – Electric Primary Bedroom: Second Bedroom: Second Cooling: Ceiling Fan(s); Central Air; Electric Heating: Central; Electric Exterior: Balcony; Fenced Back Yard; Fenced Privacy; Porch Covered; Porch Screened Association Fees Include: Accounting; Management Financing: Cash; Conventional; FHA; VA Furnished: Unfurnished Living Room: First Dining Room: First Security Features: Smoke Detector(s) Parking Features: Driveway; Garage Attached; Paved Rooms: Bedroom; Dining Room; Living Room; Primary Bedroom Sale Type: As Is Utilities: Cable – Available; Electricity – Availabile; Sewer Available; Public Water – Available Present Zoning: Resid Single Family

Room Information

Room Name	Level	Dimensions	Length	Width	Remarks
Living Room	First	15 x 14.5	15.00	14.50	Approximate
Dining Room	First	20 x 9	20.00	9.00	Dining/Kitchen Combo Approximate
Master Bedroom	Second	15.5 x 14.5	15.50	14.50	Approximate
Bedroom	Second	12.5 x 12.25	12.50	12.25	Approximate
Bedroom	Second	12.5 x 11.5	12.50	11.50	Approximate

Listing Office: Anchor Realty Florida

Last Updated: June – 11 – 2026

Information deemed reliable but not guaranteed.