Located in the charming community of Mosaic Oaks in Santa Rosa Beach, this coastal home offers smart functionality, generous storage, and one of the largest backyards in the neighborhood - all with an ultra-low $50/month HOA. Classic double covered porches define the exterior and create timeless coastal charm. Inside, engineered hardwood floors and calming hues complement the open-concept design. The kitchen offers granite countertops, a spacious breakfast bar, expanded pantry and effortless flow into the dining and living areas. Upstairs, you'll find the guest bedrooms, a hall bath, and a spacious primary suite with a glass-enclosed tiled shower and private access to the second-floor balcony. Situated on an exterior lot, this private backyard retreat features an expansive wood deck surrounded by lanterns and creates an inviting setting for entertaining or quiet evenings under the trees. Enjoy the best of coastal living from Bay to Beach. Just minutes to Choctawhatchee Bay access at Kellogg Bayside Park and Cessna Landing for paddleboarding, kayaking, and boating, and only 10 minutes to Ed Walline Public Beach Access and Gulf Place along Scenic Hwy 30A -- placing South Walton's beautiful beaches, local dining, and boutique shopping within easy reach.