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For sale
  • $3,495,000

    45 White Cliffs Ln, Santa Rosa Beach, FL 32459

    5beds
    4,279sqft
    : 
    Single Family Residence
    Built in 1995
    8,276.4 Square Feet Lot
    $3,162,800 Zestimate®
    $817/sqft
    $417/mo HOA

    What's special

    Set behind the gates of the exclusive Village of White Cliffs, this stunningly reimagined residence blends timeless coastal design with elevated elegance, just moments from the sugar-white sands of Blue Mountain Beach. Completely remodeled in 2020 and meticulously maintained since, this 5-bedroom, 5 full bath, 2 half bath, plus office retreat offers over 4,200 square feet of refined living space and gulf views from its top-floor, covered veranda.The home makes a statement from the moment you arrive--clean-lined white stucco, professional landscaping, and a gracious front entry framed by swaying palms. Inside, wide-plank hardwood floors, custom millwork, and a palette of soft neutrals provide an atmosphere of understated luxury. The vaulted great room impresses with its beamed wood ceilings and dual iron chandeliers, anchored by Restoration Hardware furnishings that convey with the home. The designer kitchen offers style and substance with custom cabinetry, sleek appliances, quartz countertops with waterfall edges, and a spacious island perfect for entertaining. A butler's pantry with wine cooler, ice maker and custom cabinetry adds both function and flair. Each bedroom is a sanctuary, featuring en suite baths with spa-like finishes, generous closet space, and designer lighting. The home features two true primary suites, each offering its own distinctive character and comfort. The first suite boasts a serene sitting area, expansive custom-built closet, and a spa-like bath with freestanding soaking tub, oversized glass shower, and twin vanities. A second primary suite dazzles with chevron-accent feature wall, designer lighting, and a bath featuring upscale decor. The home also features a built-in bunk room, a separate dedicated office, two laundry areas, and a drop-zone style mudroom with custom storage built-ins. Tech-savvy upgrades include motorized window shades, surround sound, and elevator access to all levels. Even the garage has been outfitted with cabinets and extra storage. Outdoor living is just as exceptional. The covered summer kitchen is equipped with built-in grill, vent hood, sink, and prep space, while the adjacent fireplace lounge with TV connection invites year-round enjoyment. The third-story covered veranda captures breezes and gulf viewsideal for morning coffee or golden-hour gatherings. Additional highlights: " Oversized two-car garage with extended paver driveway " Exquisite trim detail " Offered fully furnished with Restoration Hardware pieces " Non-short-term rental community with deeded beach access, resort-style community pool, and tennis court " Gated entry in the heart of Blue Mountain Beach All within walking distance to favorites like Red Fish Taco, Blue Mountain Creamery, Basmati's, Mimmo's and so much more. A rare offering in one of 30A's most sought-after enclaveswhere design meets livability, and every detail is polished to perfection.
    234 days
    |
    248
    |
    9
    |

    Zillow last checked: 8 hours ago

    Listing updated: November 12, 2025 at 11:26pm

    Listed by:

    Blake C Jones blake.jones@scenicsir.com,

    Scenic Sotheby's International Realty,

    Carroll Jones Group Beckman Group 850-624-0037,

    Scenic Sotheby's International Realty

    Source: ECAOR,MLS#: 975852MLS LogoOriginating MLS: Emerald Coast

    Tour with a local agent

    Facts & features

    Interior

    Bedrooms & bathrooms
    • Bedrooms: 5
    • Bathrooms: 7
    • Full bathrooms: 5
    • 1/2 bathrooms: 2
    Primary bedroom
    • Features: Walk-In Closet(s)
    • Level: Second
    Bedroom
    • Level: First
    Primary bathroom
    • Features: Double Vanity, Soaking Tub, MBath Separate Shwr, MBath Tile, Walk-In Closet(s)
    Kitchen
    • Level: Third
    Living room
    • Level: Third
    Heating
    • Electric
    Cooling
    • Electric
    Appliances
    • Included: Cooktop, Dishwasher, Disposal, Dryer, Ice Maker, Microwave, Double Oven, Self Cleaning Oven, Range Hood, Refrigerator W/IceMk, Stove/Oven Dual Fuel, Washer
    • Laundry: Washer/Dryer Hookup
    Features
    • Breakfast Bar, Bookcases, Cathedral Ceiling(s), High Ceilings, Vaulted Ceiling(s), Elevator, Kitchen Island, Recessed Lighting, Newly Painted, Owner's Closet, Pantry, Renovated, Walls Wainscoting, Wet Bar, Woodwork Painted, Bedroom, Dining Area, Kitchen, Living Room, Master Bedroom
    • Flooring: Hardwood, Tile
    • Windows: Plantation Shutters, Window Treatments
    • Furnished: Yes
    • Common walls with other units/homes: No Common Walls
    Interior area
    • Total structure area: 4,279
    • Total interior livable area: 4,279 sqft
    Video & virtual tour

    Property

    Parking
    • Total spaces: 8
    • Parking features: Attached
    • Attached garage spaces: 3
    • Carport spaces: 1
    • Covered spaces: 4
    • Has uncovered spaces: Yes
    Accessibility
    • Accessibility features: Handicap Provisions
    Features
    • Stories: 3
    • Patio & porch: Deck Covered, Porch
    • Exterior features: Balcony, Barbecue, Columns, Renovated, Sprinkler System, Outdoor Kitchen, BBQ Pit/Grill, Tennis
    • Pool features: Community
    • Fencing: Partial
    • Has view: Yes
    • View description: Gulf
    • Has water view: Yes
    • Water view: Gulf
    • Waterfront features: Beach, Waterfront
    Lot
    • Size: 8,276.4 Square Feet
    • Dimensions: 63 x 201 x 70 x 130
    • Features: Controlled Access, Cleared, Corner Lot, Covenants, Restrictions, Sidewalk, Within 1/2 Mile to Water, Deed Access
    Details
    • Parcel number: 123S203463100B0010
    • Zoning description: Resid Single Family

    Construction

    Type & style
    • Home type: SingleFamily
    • Architectural style: Beach House
    • Property subtype: Single Family Residence
    Materials
    • Siding CmntFbrHrdBrd, Stucco
    • Roof: Metal
    Condition
    • Construction Complete
    • Year built: 1995

    Utilities & green energy

    • Sewer: Public Sewer
    • Water: Public
    • Utilities for property: Electricity Connected, Natural Gas Connected

    Community & HOA

    Community
    • Features: Community Room, Fitness Center, Game Room, Gated, Pickleball, Picnic Area, Pool
    • Security: Security System, Smoke Detector(s)
    • Subdivision: Village Of White Cliffs The
    HOA
    • Has HOA: Yes
    • Services included: Accounting, Land Recreation, Management, Master Association, Recreational Faclty
    • HOA fee: $1,250 quarterly
    Location
    • Region: Santa Rosa Beach

    Financial & listing details

    • Price per square foot: $817/sqft
    • Tax assessed value: $1,695,512
    • Annual tax amount: $14,867
    • Date on market: 5/8/2025
    • Cumulative days on market: 235 days
    • Listing terms: Conventional
    • Lease term: Minimum Rental Prd
    • Electric utility on property: Yes
    • Road surface type: Paved
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    Estimated market value

    $3,162,800

    $3.00M - $3.32M

    $7,692/mo

    Price history

    Price history
    DateEventPrice
    8/22/2025Price change$3,495,000-1.4%$817/sqft
    Source: ECAOR #975852 Report a problem
    7/2/2025Price change$3,545,000-6.6%$828/sqft
    Source: ECAOR #975852 Report a problem
    5/8/2025Listed for sale$3,795,000+99.7%$887/sqft
    Source: ECAOR #975852 Report a problem
    3/23/2021Sold$1,900,000+129.9%$444/sqft
    Source: Public Record Report a problem
    12/2/2019Sold$826,400-12.9%$193/sqft
    Source: ECAOR #814075 Report a problem

    Public tax history

    Public tax history
    YearProperty taxesTax assessment
    2024$15,487 +5.2%$1,695,512 +4.6%
    2023$14,722 +7%$1,620,248 +9.1%
    2022$13,757 +43.5%$1,484,465 +51.3%

    Find assessor info on the county website

    BuyAbility℠ payment

    Est. payment
    $21,663/mo
    Principal & interest
    $17314
    Property taxes
    $2709
    Other costs
    $1640

      Climate risks

      Neighborhood: 32459

      Nearby schools

      GreatSchools rating
      Schools provided by the listing agent
      • Elementary: Van R Butler
      • Middle: Emerald Coast
      • High: South Walton

      Source: ECAOR. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.

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