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Harrison Lilly

Owner/Operator | Harrison Lilly Emerald Coast | Harrison Lilly Realty | PLACE

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3950 Cutty Sark Cv , Orange Beach, AL 36561
$4,700,000
Est. Payment: $23,854.85/mo
5 Bed
6 Bath
3884 Sqft
Status: active | Days on site: 31
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

AN UNMATCHED ONO ISLAND LOCATION! Built in 2021, furnished, custom 5-bedroom, 5 full bath, 2 half bath luxury home spans nearly 4,000sqft on Bayou St. John in one of the island's most sought-after locations. Rarely does a property combine expansive waterfront views, premier boating amenities, newer construction, & the convenience of being less than a quarter mile from the Ono Island bridge for quick access on & off the island. The open floor plan showcases soaring ceilings, walls of windows, shiplap accents, designer lighting, plank tile flooring, custom tile selections throughout, & an elevator servicing every level. The chef's kitchen offers an oversized quartz island, premium stainless appliances, professional gas range, farmhouse sink, custom cabinetry, elegant tile backsplash, & an impressive butler's pantry. Bring your fresh catch straight from the dock to the kitchen with ease! Each bedroom offers a private bath, including a spacious primary suite with beautiful water views. A convenient half bath serves the main living level, while the oversized laundry room provides abundant cabinetry, workspace, utility sink, & exceptional storage. Completed in 2021, the outdoor amenities are every boater's dream. The heated & chilled saltwater gunite pool overlooks the bay, while the impressive 40' x 40' covered boathouse features two slips, a 20,000 lb interior lift, a 44,000 lb exterior lift, expansive dock space, swings on the dock overlooking the water, & a downstairs half bath & fishing gear storage & outdoor shower. The homesite was thoughtfully elevated during construction, enhancing both the setting & functionality of this remarkable waterfront property. Located on open Bayou St. John, you'll enjoy quick access to the Gulf, Intracoastal Waterway & Robinson Island. This combination of open water, luxury finishes, exceptional boating amenities, & one of Ono Island's most convenient locations rarely becomes available. Call today for your tour!

Highlights

Listed by Susan Carleton , 850-361-4154 POINTE SOUTH , 850-492-1826. Pensacola Association of REALTORS®, Inc.

Property Type

Residential

Lot/Acreage
0.42

HOA Fee

2643 Annually

Year Built

2021

County

Baldwin

Neighborhood

Ono Island

Listing ID

686160

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:5
  • Bathrooms:6
  • Full Bathrooms:5
  • 1/2 Bathrooms:2
Appliances:Tankless Water Heater/Gas, Dryer, Washer, Dishwasher, Disposal, Microwave, Refrigerator
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Floor:Tile
Other:
  • Additional:Storage, Ceiling Fan(s), Elevator, High Ceilings, High Speed Internet
Water:Public

Exterior Features

Lot:Bayou,Waterfront
Garage Capacity:2
Zoning:Res Single
Roof:Metal
Others:
  • Additional:Dock, Resale
Sewer:Public Sewer
Parking Features:2 Car Garage,Front Entrance
Principal Interest
$23,855
Taxes
$2,996
HOA
$2,643

Home Price

$4,700,000

Loan Details

30 yrs
6.536%

Down Payment

20%
$940,000
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$23,854.85

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $23,854.85 $2,996.25 $2,643.00 $29,494.10
Yearly $286,258.16 $35,955.00 $31,716.00 $353,929.16
Total $8,587,744.94 $1,078,650.00 $951,480.00 $10,617,874.94

Today's Rates

30 Year

6.54%

20 Year

6.33%

15 Year

5.81%

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Market insight data is pulled from the same city as the listing being viewed (Orange Beach, AL).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by Pensacola Association of REALTORS®, Inc., and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-08-20T07:06:24.000Z

© 2026 Pensacola Association of REALTORS®, Inc.