Sell a Waterfront Home in Santa Rosa Beach, FL
for $99 — Full MLS Exposure

Flood zone & insurance disclosure

Disclose the FEMA flood zone designation and current flood insurance costs. Post-Hurricane Ian, buyers are acutely sensitive to flood risk and insurance premiums, high insurance costs can affect financing qualification.

Dock & boat lift permits

Disclose the permit status of any dock, davit, boat lift, or seawall. Unpermitted structures delay or kill sales. Obtain copies of all dock permits and include them in your disclosure package.

Seawall condition

Seawall replacement costs $500–$1,500+ per linear foot. Have your seawall inspected and disclose its age and condition. Buyers' inspection contingency will almost certainly include a seawall inspection.

Water access type

Specify: ocean frontage, direct Gulf access, navigable canal with or without fixed bridges, freshwater lake, river, or bay. Water access type fundamentally determines price and buyer pool.

Photography matters most here

Waterfront homes sell on lifestyle, invest in professional aerial/drone photography and twilight shots. Aerial photos of the water, dock, and surrounding area convert Zillow scrollers into showing requests.

Insurance Premium impact

Florida waterfront insurance has skyrocketed since 2022. Provide your current premium and carrier name, buyers need to budget for this, and some lenders require insurance commitments before issuing loan approval.

Other Florida cities

The same property type, in nearby markets.