Last week, I wrote about mistakes people make ó but I misspoke.  Instead of focusing on self-generated slip-ups, I should have pointed to roadblocks that hinder reaching your goals.  Like me last week, sometimes we inadvertently dig the hole ourselves. Other times we find our path blocked by forces beyond our control.

South Walton real estate prices have bounced back nicely, thank you, especially when compared nationwide, but there is a game afoot that could negatively affect property values.

On Jan. 28, the Walton County Board of County Commissioners had the first reading of proposed land use classification changes.  Perhaps Iím being too cautious, a trait that works better than foolhardy, but we should pay close attention. One of the reasons we bought property here and moved back in the í90s was Walton County was not Destin or Panama City. 

Our then-teenaged daughter was aghast, ďNo one goes there, buy a place in Panama City.Ē  Old Dad reminds her of the youthful folly to an obnoxious degree. 

People notice South Waltonís unique qualities immediately. Walton Countyís height ordinance meant no high rises, a definite plus for us.  South Walton has been discovered and when the four lane asphalt cools on 331, just wait.

Unless we screw it up, South Walton growth will continue soaring.  However sweeping changes to land use codes could negatively alter our quality of life and land values. Out of state developers donít care, they donít live here and once the check clears they are down the road. While I understand how Adam Smithís invisible hand works, changing the rules and regulations will have unintended, unforeseen consequences. 

Some will argue current regulations stifle job creation. Drop that hoary canard; itís like saying I love my mother, drunk or sober.  If someone in Mossy Head wants to work in the South Walton construction or hospitality industry just head south on 331 then show up on time. Sure we need industry north of the bay but changing South Walton land use categories wonít bring a single new job to the Mossy Head Industrial Park. Increased real estate values along with bulging sales tax revenues mean one thing: If it ainít broke, donít fix it.

Anecdotally, I was struck by some odd requirements when we built out our new office but in reality Walton County has bare-bones regulations.  If someone wants to build in a wetland, a dozer will be moving dirt. Inexplicability no coastal dune lakes are recognized as ďOutstanding Florida WatersĒ despite the fact Walton County has the highest concentration per square mile of dune lakes under the sun. Dune lakes need more protection not less.

Only a fool would measure their quality of life simply by numbers and account statements. However, proposed land use changes could have a double barrel effect by impacting your bottom line with reduced land values while destroying the unique beauty of where we live.  The county should hold public workshops for citizen comment on the proposed changes.  We might not realize what we have until itís gone. 

Buz Livingston, CFP has a Blue Mountain Beach based fee-only, hourly financial planning and investment management firm.  For more information, visit or come by our new office at 2050 Scenic 30A, M1-Unit 230, Redfish Village.