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Single Family ResidenceResidential
$900,032$238 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 91How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $875,000 on Jul 8, 2025

86 RIVER CIR

SANTA ROSA BEACH, FL 32459
3
Beds
3
Baths
3,789 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.83 ac
Lot SizeThe size of the land the home sits on, from county records.
2006
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$900K
$815K low$985K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$875,000 · Jul 8, 2025
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$200,032
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$160,026
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.78%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$700,000
CITIZENS BANK NA · recorded Jul 8, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,449 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$420,298 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$408,453
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$752,078

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.12 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.69%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyWALTON
Lot (acres)The size of the land the home sits on, from county records.0.82
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Central
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.Yes
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.DeckPorch · 1,344 ft²

Transaction History(6)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Foreclosure Filings(1)

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Van R. Butler Elementary SchoolA
Elementary · Grades KG–5 · 1.8 mi
H
South Walton High SchoolA-
High · Grades 9–12 · 4.5 mi
M
Emerald Coast Middle SchoolA-
Middle · Grades 6–8 · 8.7 mi

District: Walton County School District

Neighborhood · ZIP 32459These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.90
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.73
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.16

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.47%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.36%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.5.2%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.21,405
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.311 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$109,318
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$141,770
Average tempThe average temperature here across a full year.68°F
Annual precipHow much rain and melted snow falls here in a typical year.66 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.60%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

86 River Cir measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Costs less per square foot than 92% of homes in Santa Rosa Beach 32459
  • Bigger than 94% of homes in Walton County
  • Has a bigger lot than 96% of homes in Santa Rosa Beach 32459

What homes are worth in Santa Rosa Beach 32459

Each bar is how many homes fall in that price range. The marker is this home.

This home
$284K$5.6M

This home is worth more than 44% of homes in Santa Rosa Beach 32459.

How it measures up in Santa Rosa Beach 32459

The dot is this home. The mark in the middle is the typical home in Santa Rosa Beach 32459.

Estimated value$900,032
CheaperTypical $1,042,604Pricier

Pricier than 44% of homes nearby

Price per ft²$238
CheaperTypical $518Pricier

Pricier than 8% of homes nearby

Living area3,789 ft²
SmallerTypical 2,068 ft²Bigger

Bigger than 91% of homes nearby

Lot size0.83 ac
SmallerTypical 0.15 acBigger

Bigger than 96% of homes nearby

Year built2006
OlderTypical 2007Newer

Newer than 48% of homes nearby

How 86 River Cir ranks against every home in each area.
MeasureThis homeSanta Rosa Beach 32459Walton County
Estimated valuepricier than$900,03244% of homes61% of homes
Price per ft²pricier than$2388% of homes33% of homes
Living areabigger than3,789 ft²91% of homes94% of homes
Lot sizebigger than0.83 ac96% of homes83% of homes
Year builtnewer than200648% of homes55% of homes

About 86 River Cir

How much is 86 River Cir, Santa Rosa Beach, FL worth?

The TopHap Estimate for 86 River Cir, Santa Rosa Beach, FL is $900,032 as of Jul 14, 2026. The likely range is $815,357 to $984,707. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 86 River Cir, Santa Rosa Beach, FL last sell?

86 River Cir, Santa Rosa Beach, FL last sold on Jul 8, 2025 for $875,000, according to the county's recorded deed. TopHap holds 5 recorded sales for this parcel.

How big is 86 River Cir, Santa Rosa Beach, FL?

86 River Cir, Santa Rosa Beach, FL has 3 bedrooms, 3 bathrooms, 3,789 square feet of living space and a 0.82-acre lot.

When was 86 River Cir, Santa Rosa Beach, FL built?

86 River Cir, Santa Rosa Beach, FL was built in 2006, making it 20 years old. The building has 2 stories.

What schools serve 86 River Cir, Santa Rosa Beach, FL?

86 River Cir, Santa Rosa Beach, FL is assigned to Van R. Butler Elementary School (elementary), rated A; South Walton High School (high), rated A-; Emerald Coast Middle School (middle), rated A-. All sit in Walton County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 86 River Cir, Santa Rosa Beach, FL compare to other homes in Santa Rosa Beach 32459?

Among the 19,978 homes in Santa Rosa Beach 32459, it is worth more than 44% of them ($900,032 against a typical $1,042,604), its price per square foot is higher than 8% of them ($238 against a typical $518), it is bigger than 91% of them (3,789 ft² against a typical 2,068 ft²), its lot is bigger than 96% of them (0.83 ac against a typical 0.15 ac) and it is newer than 48% of them (2006 against a typical 2007). Measured against all of Walton County, it is worth more than 61% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 86 River Cir, Santa Rosa Beach, FL?

The 2025 property tax bill for 86 River Cir, Santa Rosa Beach, FL was $3,449. The county assessed it at $420,298.

More homes on River Cir

Closest homes

More homes in Santa Rosa Beach 32459

Assigned schools

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