query.nytimes.com — Santa Rosa Beach, Fla. What: Four-bedroom house How Much: $2,895,00 Per Square Foot: $885.32 This 3,270-square-foot, two-story, Florida cottage-style house was built in 2004 in the 500-acre planned housing community of Watercolor. The community is on the Gulf of Mexico between Destin and Panama City. Watercolor is surrounded by dunes and walking