Agent profile image in chat bubble
Agent profile image in chat header

Harrison Lilly Team

Owner/Operator | Harrison Lilly Emerald Coast | Harrison Lilly Realty | PLACE

Agent profile image in message

640 Ridge Rd , Santa Rosa Beach, FL 32459
$899,000
Est. Payment: $4,966.85/mo
3 Bed
2 Bath
2058 Sqft
0.35 Acres
Status: Active | Days on site: 11
Get Pre-Qualified
EDRE - TEDRE9
By proceeding and clicking the sign up button, you consent to receive calls and texts (SMS/MMS) including marketing and promotional communications, from Harrison Lilly Team, its affiliates, and agents or vendors acting on their behalf. These communications may be delivered using an automatic telephone dialing system or by using an artificial or prerecorded voice. Message and data rates may apply. To opt out of text messages, reply STOP. Your consent is not required as a condition of any purchase. By continuing, you also agree to our Terms of Use and Privacy Policy.
Agent profile image
Harrison Lilly Team
Owner/Operator

House Description

Set on an expansive corner lot graced with mature trees, 640 Ridge Road offers a refined blend of privacy, comfort, and an enviable location just off Scenic Highway 30A. Nestled within the desirable Santa Rosa Ridge community, this single-level brick residence sits moments from Santa Rosa Golf & Beach Club, Gulf Place, and the renowned beaches that define 30A living. A highlight of the property is its private saltwater pool, thoughtfully screened for year-round enjoyment. Paired with a fenced yard and lush landscaping, the outdoor spaces create a peaceful retreat that feels both secluded and inviting--ideal for relaxed afternoons or effortless entertaining. Inside, the home welcomes you with a spacious, light-filled layout. The primary suite offers direct access to the screened porch, a generous walk-in closet, and an oversized en suite featuring a soaking tub and walk-in shower. A dedicated office adds versatility, while the main living areas incorporate a breakfast nook, a formal dining space, and a well-planned laundry room just off the two-car garage. Two comfortable guest bedrooms and a shared full bathroom occupy their own wing, providing privacy and ease for family or visitors. With its exceptional lot, private pool sanctuary, and premier location near 30A's most beloved amenities, 640 Ridge Road presents an opportunity to enjoy the best of coastal living in a timeless, thoughtfully designed setting.

Highlights

Listed by Joiner Group , 850-502-6044 Scenic Sotheby's International Realty , 850-231-6052. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.35

Year Built

1998

County

Walton

Area

17 - 30A West

Neighborhood

Santa Rosa Ridge Unit 2

Listing ID

1012736

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Dishwasher, Dryer, Microwave, Refrigerator W/IceMk, Stove/Oven Electric, Washer, Water Heater - Elect
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Tile
Other:
  • ▪ Additional:Breakfast Bar, Built-In Bookcases, Ceiling Crwn Molding, Lighting Recessed, Pantry, Washer/Dryer Hookup

Exterior Features

Lot:Corner,See Remarks
Lot Dimensions:95' x 160'
Zoning:Resid Single Family
Others:
  • ▪ Additional:Rain Gutter, Fenced Back Yard, Hurricane Shutters, Shower, Yard Building, Patio Covered, Patio Open, Porch, Porch Open, Porch Screened
Sewer:Public Sewer
Principal Interest
$4,967
Taxes
$262

Home Price

$899,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$179,800
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$4,966.85

Principal

Taxes

Principal Taxes HOA Total
Monthly $4,966.85 $261.75 $0.00 $5,228.59
Yearly $59,602.15 $3,140.95 $0.00 $62,743.10
Total $1,788,064.38 $94,228.50 $0.00 $1,882,292.88

Today's Rates

30 Year

7.37%

20 Year

7.27%

15 Year

6.8%

Never Miss a Property

Be the first to know when a property hits the market.

Current Listings

Last 30 Days
N/A
Oct 2026

Average Price

All Price Ranges
N/A
Oct 2026

Average Days on Market

All Price Ranges
N/A
Oct 2026
Market insight data is pulled from the same city as the listing being viewed (Santa Rosa Beach, FL).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by Emerald Coast Multiple Listing Services, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-10-07T04:14:31.000Z

© 2026 Emerald Coast Multiple Listing Services