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521 Shelter Cove Drive, Santa Rosa Beach, FL 32459 (MLS# 1006903)

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.