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Churchill Oaks A gated bayfront community on Choctawhatchee Bay
WELCOME
Built Around the Bay
At a Glance LOCATION
North Santa Rosa Beach, north of US 98
Most luxury communities along 30A are built around the beach. Churchill
SETTING
Oaks is built around the bay. This gated neighborhood covers roughly 40
~40 acres on Churchill & Hogtown Bayous
acres in North Santa Rosa Beach, where Churchill Bayou meets Hogtown
ACCESS
Bayou and opens onto Choctawhatchee Bay, just north of US Highway 98.
Private gated entry
Developers Roy and Wendy Sembera began the project in 2010. They kept
MARINA
the live oaks, magnolias and longleaf pines, clustered the homes, and gave residents real access to the water: a private deep-water marina, a bayfront clubhouse and more than half a mile of shoreline, all a few minutes from the beaches, dining and shops of 30A.
36 private deep-water slips, 31′–70′ CLUBHOUSE
~8,000 sq ft · three pools · fitness GREEN SPACE
About 40% of the property preserved
Short-term rentals are not permitted. The neighborhood is made up of full-time residents and second-home owners, not weekly vacation guests.
RENTALS
Short-term rentals not permitted HOA
~$1,425–$1,500 per quarter DEVELOPER
A bay-and-boating neighborhood that happens to be minutes from 30A.
CHURCHILL OAKS
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Roy & Wendy Sembera, since 2010
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LOCATION
Tucked Away, Never Far Churchill Oaks sits in the bend where Churchill Bayou and Hogtown Bayou meet Choctawhatchee Bay, on the north side of Santa Rosa Beach. Once you're off US 98 and through the gates, highway traffic
Churchill Bayou
gives way to moss-draped oaks, calm water and sunsets over the NEARBY
bay. The location has a trade-off. You can't walk to the Gulf from here. In exchange, you live outside the heavy vacation traffic of 30A and can still reach the beaches, restaurants and shops in a few minutes by car, or reach the rest of the bay by boat.
Dune Allen beaches on west 30A (page 4) Grayton Beach State Park to the east Topsail Hill Preserve State Park to the west Miramar Beach & Grand Boulevard for shopping and dining
GOOD TO KNOW
Churchill Bayou Road, just outside the gates, is a separate area of older
Destin Harbor & Crab Island by boat across the
homes with no HOA. Listings there aren't part of Churchill Oaks, even
bay
though some data sites group the two together.
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THE BEACH
Getting to the Gulf Churchill Oaks is a bay community and has no private beach access. The nearest Gulf beaches are in Dune Allen, on the west end of 30A, roughly a ten-minute drive from the gates. Dune Allen has several public beach accesses, and its regional accesses have parking, restrooms and showers, so a morning swim or sunset walk doesn’t take much planning. In peak season the lots fill early.
A Dune Allen regional beach access on 30A
CLOSEST PUBLIC ACCESSES
Dune Allen Regional Beach Access · 5999 W. County Hwy 30A · parking, restrooms, showers Fort Panic / Dune Allen Regional Access · 5753 W. County Hwy 30A · parking, restrooms, picnic pavilion Ed Walline Regional Access at Gulf Place · 4447 W. County Hwy 30A See every access on the Visit South Walton beach access map.
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ON THE WATER
A Private Deep-Water Marina The developer describes this as the first private deep-water marina built in South Walton in decades, and it is what most sets Churchill Oaks apart. A 500-foot pier reaches into the bay, so owners can keep a boat inside their own neighborhood. From the slip it's an easy run across Choctawhatchee Bay toward Destin Harbor, Crab Island and the Gulf. A sunset cruise doesn't require trailering a boat.
500 ft
36
31′–70′
Power
MARINA PIER
PRIVATE SLIPS
SLIP LENGTHS
SHORE POWER & FRESH WATER
GOOD TO KNOW
Slips don't come with every home. There are fewer slips than homesites, and only Churchill Oaks property owners can buy one. Some homes convey with a slip and others don't. The slip's length, whether it has a lift, and how it transfers can change a property's value, so confirm all three early. The marina also has a kayak and paddleboard launch and a fish-cleaning station.
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AMENITIES
The Clubhouse The clubhouse sits on a point overlooking the bay. At roughly 8,000 square feet, it was designed by Savoie Architects and built by Davis Dunn Construction with new and reclaimed materials. It works less like a neighborhood pool house and more like a private club for owners and their guests.
Three pools, including a bayfront zero-entry pool Fitness center overlooking the pool and bay Great room & commercial kitchen for events Media room, outdoor bar and locker rooms
The pools and the clubhouse great room
COMING IN PHASE TWO
Developer materials describe planned pickleball and basketball courts, grilling areas, paddleboard racks and an adults-only clubhouse. These are planned, not finished, so ask for the current timeline.
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THE SETTING
Nature, Preserved About 40% of Churchill Oaks was deliberately left green. Density is 2.4 homesites per acre, less than half of what Walton County allows. Homes are clustered into enclaves separated by parks and preserve, under live oaks, Southern magnolias and longleaf pines.
Two spring-fed lakes, stocked with bass and perch An elevated boardwalk along the bayfront Walking paths winding through the neighborhood A neighborhood playground beneath the oaks Parks & preserve buffering homesites
A lakeside enclave and the playground
Nearly half the neighborhood is trees, water and open space.
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ARCHITECTURE
The Homes Homes follow a Low Country, Colonial and Southern architectural standard and are built through an approved list of architects and builders. Typical features include painted brick, steep rooflines, metal and slate roofs, gas lanterns, deep porches, and private courtyards with pools and outdoor kitchens.
Homes clustered around one of the spring-fed lakes Every home is designed individually rather than repeated from a builder plan. Homes on the market generally run about 3,400 to 4,800 square feet, most with four to six bedrooms. Many have elevators, carriage houses or two primary suites. Homesites are compact, roughly 0.13 to 0.23 acres, and are planned around courtyards rather than big yards. Where a homesite sits matters. Bayfront and bay-view sites, lakefront sites around the spring-fed lakes, and sites facing the preserve each have a different outlook and a different price.
Two Ways to Buy You can buy a finished or under-construction home, or buy a homesite and build with an approved architect and builder. Phase Two is underway. New construction has historically been sold through the developer’s on-site agent, who represents the seller, so having your own representation matters.
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THE MARKET
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OCTOBER 2026
Buying in Churchill Oaks $2M–$4.4M
$650K–$850K
$475–$500
No STRs
CURRENT HOME ASKING PRICES
CURRENT HOMESITE ASKING PRICES
HOA PER MONTH, BILLED Q U A R T E R LY
SHORT-TERM RENTALS
RECENT CLOSED SALES
IS IT A FIT?
A strong fit for boaters, for full-time residents and second-home
255 Churchill Oaks Dr.
4,089 sf
$4,800,000
99 Perrin
5,617 sf
$4,027,875
13 Tyler Dr.
4,812 sf
$3,850,000
Probably not the fit if you want to walk to the Gulf, plan to earn
37 Perrin
4,971 sf
$3,750,000
vacation-rental income, or want a large yard.
79 Perrin
3,947 sf
$3,185,000
Questions about slip availability, upcoming homesites or a specific
owners who want a quiet gated setting, and for buyers who value architecture and club-level amenities.
home? Call 850.687.1788 or email colby@andersongroup30a.com. Price per square foot varies widely here. Bay, lake or preserve frontage, whether a slip conveys, lot position, and the home’s age and finish all affect value. VIEW HOMES FOR SALE
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Figures reflect public MLS data as of October 2026 and change frequently. Confirm HOA dues, rental restrictions and boat-slip rights with the HOA estoppel and recorded community documents before you buy. Information is deemed reliable but not guaranteed.
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Y O U R
G U I D E
T O
C H U R C H I L L
O A K S
Let’s find your place on the bay.
Colby Anderson FOUNDER
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ANDERSON GROUP 30A
850.687.1788 | colby@andersongroup30a.com | andersongroup30a.com