521 Shelter Cove Drive, Santa Rosa Beach, FL 32459
$925,000
Property Type:
Residential
Bedrooms:
5
Baths:
3
Square Footage:
2,612
Lot Size (sq. ft.):
12,632
Status:
Active
Current Price:
$925,000
List Date:
7/03/2026
Last Modified:
7/10/2026
Description
Thoughtfully designed around comfort, functionality, and its exceptional bayside setting, this custom-built 5-bedroom, 3-bath residence is perfectly positioned directly across from Choctawhatchee Bay in the gated community of Pelican Bay and offers 3,956 square feet of thoughtfully designed indoor/outdoor living and entertaining space, including 2,162 square feet of heated and cooled living area. Framed by mature landscaping and highlighted by a spacious screened front porch with peaceful bay views, the home offers an exceptionally functional floor plan with nearly every aspect of daily living on the first floor, including the open-concept living, dining, and kitchen areas, the primary suite, three additional bedrooms, and two full baths, while the upstairs bedroom/flex space with a full bath provides exceptional versatility for guests, a home office, media room, or additional living space. Built with lasting quality in mind, the home showcases custom craftsmanship throughout with built-ins, tray ceilings, shaker-style cabinetry, granite countertops, abundant storage, a Rinnai tankless water heater, whole-house Generac generator, oversized two-car garage, long driveway, and a spacious backyard with ample room for gardening, recreation, or future outdoor enhancements including a pool. Whether you're searching for a primary residence, second home, or investment opportunity, this exceptional home offers the ideal blend of comfort, functionality, and location.
Supplements: Pelican Bay offers a peaceful coastal setting with low HOA fees, a bayfront park with community dock for fishing, kayaking, paddleboarding, and boating, along with tennis and pickleball courts. Ideally located just minutes from Grand Boulevard, Sacred Heart Hospital, Sandestin, Topsail Hill Preserve State Park, Scenic Highway 30A, and the Emerald Coast's renowned sugar-white beaches, this home offers the perfect balance of quiet coastal living and convenient access to the area's premier shopping, dining, entertainment, and outdoor recreation.
More Information MLS# 1006903
General Property Info
userdefined76: 2
Sub-Type: Detached Single Family
Design: Beach House
SqFt Source: Appraiser
Garage: Yes
Carport: No
Pool: No
Pool Type: None
Apx SqFt(Htd/Cooled): 2612
Bedrooms: 5
Full Baths: 3
Total Bathrooms: 3
# Stories: 2
Year Built: 2020
Garage Spaces: 2
Acreage: 0.29
Contract Info
Listing Board: Emerald Coast
List Price/SqFt: 354.13
List Date: 2026-07-03
Current Price: $925,000
List Price: $925,000
Location, Tax and Legal
Sub Area: 1601 - SRB NW of Hwy 98 to Church Hill Bayou
Elementary School: Van R Butler
Middle School: Emerald Coast
High School: South Walton
Legal Description: LOT 14 PELICAN BAY PH I PB 10-28 OR 1183-107 OR 1914-258 OR 2955-556 OR 3055-2344 OR 3108-3917
Listing Info, Tax & Legal
Is Subject Leased: No
Assessment Fees: Yes
Assessment Amount: 625
Annual Assessment Amount: 625
Assessment Paid: Annually
New Buyer Fee: Yes
New Buyer Fee Amt: 1250
New Buyer Fee Paid: $
Last Taxes: 4697.47
Last Tax Year: 2025
Brokerage Interest: No Interest
As Is: No
Remarks & Misc
Remarks: Thoughtfully designed around comfort, functionality, and its exceptional bayside setting, this custom-built 5-bedroom, 3-bath residence is perfectly positioned directly across from Choctawhatchee Bay in the gated community of Pelican Bay and offers 3,956 square feet of thoughtfully designed indoor/outdoor living and entertaining space, including 2,162 square feet of heated and cooled living area. Framed by mature landscaping and highlighted by a spacious screened front porch with peaceful bay views, the home offers an exceptionally functional floor plan with nearly every aspect of daily living on the first floor, including the open-concept living, dining, and kitchen areas, the primary suite, three additional bedrooms, and two full baths, while the upstairs bedroom/flex space with a full bath provides exceptional versatility for guests, a home office, media room, or additional living space. Built with lasting quality in mind, the home showcases custom craftsmanship throughout with built-ins, tray ceilings, shaker-style cabinetry, granite countertops, abundant storage, a Rinnai tankless water heater, whole-house Generac generator, oversized two-car garage, long driveway, and a spacious backyard with ample room for gardening, recreation, or future outdoor enhancements including a pool. Whether you're searching for a primary residence, second home, or investment opportunity, this exceptional home offers the ideal blend of comfort, functionality, and location.
Construction Status
Construction Complete: 1
Parking Features
Garage Detached: 1
Guest: 1
Waterview
Bay: 1
Lot Features
Covenants: 1
Flood Insurance Req: 1
Level: 1
Restrictions: 1
Within 1/2 Mile to Water: 1
Project Facilities
Dock: 1
Fishing: 1
Gated Community: 1
Minimum Rental Prd: 1
Pickle Ball: 1
Picnic Area: 1
Short Term Rental - Not Allowed: 1
Tennis: 1
Waterfront: 1
Construction/Siding
Roof Metal: 1
Siding CmntFbrHrdBrd: 1
Utilities
Electric: 1
Gas - Natural: 1
Public Sewer: 1
Public Water: 1
Zoning
Resid Single Family: 1
Exterior
Columns: 1
Lawn Pump: 1
Patio Covered: 1
Porch Screened: 1
Rain Gutter: 1
Sprinkler System: 1
Interior
Breakfast Bar: 1
Built-In Bookcases: 1
Ceiling Tray/Cofferd: 1
Floor Vinyl: 1
Floor WW Carpet: 1
Furnished - None: 1
Split Bedroom: 1
Washer/Dryer Hookup: 1
Financing
Conventional: 1
VA: 1
Appliances
Auto Garage Door Opn: 1
Dishwasher: 1
Disposal: 1
Microwave: 1
Oven Self Cleaning: 1
Range Hood: 1
Refrigerator W/IceMk: 1
Stove/Oven Gas: 1
Energy
AC - Central Elect: 1
Water Heater - Tnkls: 1
Mstr Bdrm/Mstr Bath
MBath Double Vanity: 1
MBath Walk-In Closet: 1
MBed First Floor: 1
Master Bedroom
First: 1
Bedroom
First: 1
Second: 1
Kitchen
First: 1
Living Room
First: 1
Rooms
Bedroom: 1
Dining Area: 1
Kitchen: 1
Living Room: 1
Master Bedroom: 1
Fees Include
Recreational Faclty: 1
Status Change Info
Status: Active
Location Tax and Legal
Area: 16 - North Santa Rosa Beach
Street #: 521
Street Name: Shelter Cove
Street Suffix: Drive
State: FL
Zip Code: 32459
County: Walton
Project Name/Subdivision: PELICAN BAY S/D
Parcel ID: 24-2S-21-42800-000-0140
Property Features
Construction Status: Construction Complete
Lot Features: Covenants; Flood Insurance Req; Level; Restrictions; Within 1/2 Mile to Water
Zoning: Resid Single Family
Waterview: Bay
Parking Features: Garage Detached; Guest
Project Facilities: Dock; Fishing; Gated Community; Minimum Rental Prd; Pickle Ball; Picnic Area; Short Term Rental - Not Allowed; Tennis; Waterfront
Exterior: Columns; Lawn Pump; Patio Covered; Porch Screened; Rain Gutter; Sprinkler System
Interior: Breakfast Bar; Built-In Bookcases; Ceiling Tray/Cofferd; Floor Vinyl; Floor WW Carpet; Furnished - None; Split Bedroom; Washer/Dryer Hookup
Appliances: Auto Garage Door Opn; Dishwasher; Disposal; Microwave; Oven Self Cleaning; Range Hood; Refrigerator W/IceMk; Stove/Oven Gas
Utilities: Electric; Gas - Natural; Public Sewer; Public Water
Energy: AC - Central Elect; Water Heater - Tnkls
Master Bedroom: First
Bedroom: First; Second
Kitchen: First
Living Room: First
Rooms: Bedroom; Dining Area; Kitchen; Living Room; Master Bedroom
Financing: Conventional; VA
Fees Include: Recreational Faclty
Room Information
Master Bedroom
Level: First
Dimensions: 15 x 18.8
Length: 15.00
Width: 18.80
Dimensions: 15 x 18.8
Kitchen
Level: First
Dimensions: 13 x 17
Length: 13.00
Width: 17.00
Dimensions: 13 x 17
Dining Area
Level: First
Dimensions: 8.4 x 11
Length: 8.40
Width: 11.00
Dimensions: 8.4 x 11
Living Room
Level: First
Dimensions: 21 x 21
Length: 21.00
Width: 21.00
Dimensions: 21 x 21
Bedroom
Level: First
Dimensions: 14.6 x 11.6
Length: 14.60
Width: 11.60
Dimensions: 14.6 x 11.6
Bedroom
Level: First
Dimensions: 14.6 x 11.6
Length: 14.60
Width: 11.60
Dimensions: 14.6 x 11.6
Bedroom
Level: First
Dimensions: 21 x 15.7
Length: 21.00
Width: 15.70
Dimensions: 21 x 15.7
Bedroom
Level: Second
Dimensions: 20.7 x 22.6
Length: 20.70
Width: 22.60
Dimensions: 20.7 x 22.6
Listing Office:
Real Broker LLC
Listing Agent:
Justin D Wilkerson
Last Updated: July - 10 - 2026
All information is believed to be accurate but is not guaranteed. Protected by Copyright© 2026 and is owned either by the Emerald Coast Association of REALTORS®, Inc or by the developers of the software, FBS, Inc. All rights reserved.
