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108 Osprey Lane

Santa Rosa Beach, FL 32459

3 beds
3 baths
2,080 sqft
~3/4 acre lot
$326 per sqft
2003 build
– on site

Welcome to 108 Osprey Lane, a beautifully updated property nestled on a quiet cul-de-sac in one of Santa Rosa Beach's most desirable areas. Set on a generously sized 0.8-acre wooded lot, this home offers privacy, versatility, and convenience—all within minutes of the bay and the emerald waters of the Gulf. Step inside to find vaulted cedar wood ceilings throughout the entire home, creating a warm, open atmosphere. The layout is light-filled and inviting, featuring new flooring throughout, updated bathrooms, and a freshly renovated kitchen with newly added clerestory windows that bring in warm, natural light. The thoughtful floor plan includes three bedrooms and three full bathrooms, with a unique transformation of the third bedroom and bath into a fully functional studio... with a private entrance and lock-off access through the laundry roomperfectly designed for short-term rental income with projected earnings of $33,000/year. This flexible space sleeps 4 and also makes a fantastic guest suite for out-of-town visitors or family looking for privacy and comfort while visiting. The home is being offered fully furnished and ready for immediate move-inmaking it a true turn-key opportunity whether you're looking for a primary residence, second home, or income-producing property. The main house also offers excellent income potential, with projected annual rental income exceeding $50,000, allowing for positive cash flow whether you choose to rent out both units or live in one and rent the other. With no shared walls and a single-story layout, there is minimal noise transfer between the units, enhancing privacy and comfort for both spaces. Enjoy peekaboo views of the bay from the property and endless opportunities to live the homestead lifestyle. This property is a rare gem for those who want both rural charm and modern amenities. The outdoor space is just as impressive as the interior, offering ample room for gardening, expansion, or simply enjoying the peace of your surroundings. Families will love the quiet street and cul-de-sac location, while still enjoying close proximity to top-rated dining and entertainment. Just a short walk to North Beach Social, Farm & Fire, and The Bay Restaurant, you'll feel tucked away yet completely connected. Centrally located between Destin and Panama City Beach, and only 2 miles from the Gulf, this is a rare opportunity to enjoy the best of both nature and convenience with the potential for passive income, homesteading, or multi-generational living.

Listing courtesy of ECARMLS / Live 30A Real Estate LLC

Last checked: Checking… • Last updated Jun 7, 2025 •

MLS# 978263 —

The Building

Year Built:

2003
Construction Materials:

Siding Vinyl
Building Area Total:

2080.0
Building Area Source:

Agent-Measured
Architectural Style:

Craftsman Style
Stories:

1
Levels:

None
Exterior Features:

BBQ Pit/Grill, Fenced Back Yard
Window Features:

Window Bay, Window Treatment All
Accessibility Features:

None
Direction Faces:

None
Patio And Porch Features:

Deck Open, Patio Open, Porch, Porch Screened
Security Features:

Fire Alarm/Sprinkler

Interior

Furnished:

Furnished - All
Interior Features:

Ceiling Vaulted, Fireplace, Guest Quarters, Lock Out, Owner's Closet, Pantry, Shelving, Walls Paneled, Washer/Dryer Hookup
Rooms Total:

5
Fireplace:

No
Fireplaces Total:

None
Laundry Features:

None
Flooring:

Floor Vinyl

Room Dimensions

Living Area:

None
Living Area Units:

None
Living Area Source:

None

Financial & Terms

Buyer Financing:

Conventional, FHA, VA

Location

Directions:

From the corner of 331 and Chat Holley go West on Chat Holley. Osprey Lane will be on your right about 1/2 mile up before JD Miller Road. The home is on your right on Osprey Lane.

The Property

Property Type:

Residential
Property Subtype:

Detached Single Family
Property Condition:

Renovated, Construction Complete
Property Attached:

None
Lot Features:

Cul-De-Sac, Dead End, Wooded
Lot Size Acres:

0.8
Lot Size Area:

0.8
Lot Size Dimensions:

See survey
Lot Size SqFt:

34848.0
Lot Size Units:

Acres
Zoning:

Resid Single Family
Possible Use:

None
Parcel Number:

19-2S-19-24090-000-0470
Topography:

None
View:

Bay
Fencing:

Fenced Lot-All
Waterfront:

No
Water Body Name:

None

Listing Agent

Contact info:

Taxes

Tax Year:

2024
Tax Annual Amount:

3758.9
Tax Legal Description:

DCOM SE/C OF SEC 19, GO S 89 DEG 59'29''W ALONG SLY LINE OF SAID SEC 1357.31 FT TO PT ON A SLY EXTENSION OF E LINE OF LOT 3 TS MICHENER'S ADD TO SANTA ROSA PLANTATION UNRECD S/D N 00 DEG 18'38''W ALONG SAID SLY EXTENSION AND SAID E LINE A DIS OF 588 FT TO POB. GO S 89 DEG 41'30''W 71.87 FT, S 49 DEG 12'32''W, A DIS OF 120.88 FT, N 47 DEG 48'59''W A DIS OF 121.27 FT, GO N 55 DEG 10'53''E A DIS 258

Beds

Bedrooms Total:

3

Baths

Total Baths:

3.0
Total Baths:

3
Full Baths:

3
Partial Baths:

None
Three Quarter Baths:

None
Quarter Baths:

None

The Listing

Virtual Tour URL Branded:

None
Home Warranty:

No

Heating & Cooling

Heating:

Central
Heating:

true
Cooling:

Ceiling Fans
Cooling:

true

Utilities

Utilities:

Electric, Gas - Propane, Public Water
Electric:

None
Sewer:

Public Sewer

Appliances

Appliances:

Cooktop, Dishwasher, Disposal, Dryer, Microwave, Refrigerator, Refrigerator W/IceMk, Smoke Detector, Stove/Oven Gas, Water Heater - Gas, Water Heater - Tnkls
Dryer:

true
Disposal:

true
Microwave:

true
Dishwasher:

true

Schools

Elementary School:

Dune Lakes
Elementary School District:

None
Middle Or Junior School:

Emerald Coast
Middle Or Junior School District:

None
High School:

South Walton

The Community

Subdivision Name:

SANTA ROSA PLANTATION
Association:

No
Association Amenities:

None
Association Fee:

None
Pool Private:

None
Spa Features:

None
Pets Allowed:

None
Senior Community:

No

Parking

Carport:

false

Monthly cost estimate

Asking price

$679,000

Expense	Monthly cost
Mortgage	$3,635
Taxes	$313
Insurance	$186
Utilities	$152 See report
Total	$4,286/mo.^*
	^*This is an estimate

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Sale history

Date	Event	Source	Price	% Change
6/7/25 Jun 7, 2025	Listed / Active	ECARMLS	$679,000	13.2% (6.7% / YR)
6/21/23 Jun 21, 2023		ECARMLS	$600,000

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This house located in FL 32459 is currently for sale for $679,000. 108 Osprey Lane is a 2,080 square foot house with 3 beds and 3 baths that has been on Estately for 0 days.

Listing Courtesy of: ECARMLS and Live 30A Real Estate LLC.

The information provided is exclusively for consumers' personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. All information provided is deemed reliable but is not guaranteed and should be independently verified.