Short answer: Churchill Oaks is a 40-acre gated bayfront community of 87 homesites on the north side of Santa Rosa Beach, with over half a mile of Choctawhatchee Bay frontage, an 8,000-square-foot clubhouse, and a private 36-slip deep-water marina. It is built for buyers who want a multi-million-dollar primary or second home with privacy and direct boating access.
What the community is
Spanning 40 acres with over half a mile of waterfront on the Choctawhatchee Bay, 87 homesites sit inside the gates, an intimate neighborhood with easy access to everything in the area. New homes carry top-tier, individually designed floor plans with custom finishes, built from an approved architects and builders list focused on high design and construction standards. Nearly every homesite has water views with room for courtyards, outdoor kitchens, and gardens that fit the natural setting.
Amenities
The developer placed the 8,000-square-foot clubhouse on the community's best location: three pools, a fitness center with locker rooms, an outdoor bar, a media room, and a full commercial kitchen, used as a large indoor and outdoor gathering space.
The marina, the differentiator
Extending from the clubhouse is a private 36-slip deep-water marina with shore power, fresh water, a fish-cleaning station, and a kayak and paddleboard launch. Slips run 31 to 70 feet to handle daysailers, fishing boats, and cruiser yachts, with boating access to Crab Island in Destin, Shell Island in Panama City Beach, and the Gulf. An eight-foot boardwalk stretches 500 feet from the clubhouse with golf-cart access.
The natural setting
The community is designed around Southern landscape: magnolias, live oaks, and longleaf pines, with about 40% kept green and natural, suited to the Low-Country architecture. An elevated boardwalk runs over half a mile along the bay, connecting to roughly two miles of nature trails and sidewalks, interior parks, and two spring-fed lakes, with preservation areas keeping privacy between homesites.
Frequently Asked Questions
Is Churchill Oaks a good investment?
It is one of the few intimate, gated bayfront communities with a private deep-water marina on this part of the coast, and limited turnover plus that boating access support long-term demand. It is a multi-million-dollar primary or second-home market, priced accordingly.
What makes Churchill Oaks worth the price?
You are buying privacy, bay frontage, and a private 36-slip deep-water marina with direct access to Crab Island, Shell Island, and the Gulf. Boating built into the community, not just nearby, is the core of the value.
Is Churchill Oaks better than Watersound Camp Creek?
They serve different buyers. Churchill Oaks is for boating access, a finished bayfront setting, and an intimate gated community. Camp Creek is for new construction, estate lots, and a long-term non-rental build play. It is a lifestyle decision, not a quality ranking.
What kind of boats fit in the Churchill Oaks marina?
Slips range from 31 to 70 feet, handling daysailers, fishing boats, and cruiser yachts, with shore power, fresh water, a fish-cleaning station, and a kayak and paddleboard launch.
Is Churchill Oaks a quiet community?
Yes. It is gated, intimate at 87 homesites, and about 40% kept green and natural, with low turnover, which keeps it residential and private.
