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Harrison Lilly

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

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20 4th St , Apalachicola, FL 32320
$549,000
Est. Payment: $2,784.42/mo
5 Bed
5 Bath
2145 Sqft
Status: pending | Days on site: 315
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

HISTORIC RENTAL GEM!! The distinguished Taranto House is named for the Taranto family & dates back to circa 1880. A beautifully restored historic treasure in the heart of enchanting Apalachicola, this 5-bedroom/5-bath residence seamlessly blends turn-of-the-century character with modern comfort, offering a rare opportunity to own a piece of local history. Perfectly positioned in the walkable downtown district, the home features five individually designed rooms, each with its own charm & each rented individually for maximum rental potential. Thoughtfully preserved to honor its historic integrity, the home has been updated with contemporary conveniences that enhance its appeal. Inviting shared spaces—including a comfortable common area & kitchen—reflect its hospitality roots while providing residential ease. From the lofty porches, enjoy glimpses of Apalachicola Bay & immediate access to the Big Bend Scenic Byway Coastal Trail. Just steps from galleries, cafes, boutiques & the waterfront, the location could not be more ideal. Shaded porches & quiet garden corners invite you to linger beneath moss-draped oaks, savoring coastal breezes & southern charm. For locals, the preferred method of travel is, bar none, by golf cart. Easy to drive, easy to park & the perfect way to let your hair down. Golf carts are a celebrated part of daily life here—often with a dog or two happily riding along offering the chance to explore more of Apalachicola's hidden nooks & crannies. Whether enjoyed as a private residence or continued as a sought-after rental, this home offers both charm & versatility. Embrace the Apalachicola lifestyle—stroll to seafood markets, sip your morning coffee on the porch, explore local art studios & watch golden sunsets melt into the bay. This is more than a home—it's a living legacy. Don't miss your chance to own this one-of-a-kind treasure in a town defined by timeless beauty. Call for your private tour & LIVE THE BEACH LIFE!!

Highlights

Listed by Kaye Haddock , 850-299-0086 Beach Properties Real Estate , 850-227-2500. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.07

Year Built

1925

County

Franklin

Area

18 - Franklin County

Neighborhood

Historic South Side

Listing ID

779623

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:5
  • Bathrooms:5
  • Full Bathrooms:5
Appliances:Electric Range, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s),Ductless,Multi Units
Fireplaces:
Other:
  • Additional:Interior Steps

Exterior Features

Lot:Paved
Lot Dimensions:IRR
Zoning:Commercial, Historical
Roof:Metal
Others:
  • Additional:Patio
Sewer:Public Sewer
Parking Features:Gravel
Principal Interest
$2,784
Taxes
$561

Home Price

$549,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$109,800
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:
$2,784.42

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,784.42 $560.50 $0.00 $3,344.92
Yearly $33,413.09 $6,726.00 $0.00 $40,139.09
Total $1,002,392.79 $201,780.00 $0.00 $1,204,172.79

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

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Market insight data is pulled from the same city as the listing being viewed (Apalachicola, FL).

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 Bay County Association of REALTORS, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-08-20T06:33:19.000Z

© 2026 Bay County Association of REALTORS