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Harrison Lilly Team

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

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120 W Ovation Dr , Cape San Blas, FL 32456
$1,499,000
Est. Payment: $8,281.76/mo
5 Bed
5 Bath
2697 Sqft
0.12 Acres
Status: Active | Days on site: 99
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B98RE - B11994
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Harrison Lilly Team
Owner/Operator

House Description

CUSTOM BUILT | X FLOOD ZONE | 2026 NEW CONSTRUCTION | GULF VIEWS Designed with both elegance and comfort in mind, this exceptional 5-bedroom, 4-bath coastal retreat showcases luxury finishes, quality craftsmanship, and upscale beachside living throughout. Located in an X Flood Zone (NO FLOOD INSURANCE REQUIRED) for added peace of mind and cost savings, this stunning home offers Gulf views and the perfect blend of style and functionality. Inside, you'll find a bright open-concept floor plan filled with natural light, soaring ceilings, and thoughtfully selected designer details. The spacious living area flows seamlessly into a gourmet kitchen featuring premium appliances, custom cabinetry, quartz countertops, and an oversized island ideal for entertaining. The primary suite offers a private escape with a spa-inspired bath, while the additional bedrooms provide ample space for guests, vacation rental potential, or multi-generational living. Every detail has been carefully designed to capture the charm and relaxed luxury of the Forgotten Coast lifestyle. Located BEACHSIDE within the exclusive gated community of Ovation, residents enjoy unmatched resort-style amenities. The Bay Club features an infinity-edge pool, fitness center, hot tub, fire pits, and scenic day docks overlooking St. Joe Bay, perfect for boating, kayaking, or simply unwinding by the water. Tennis and pickleball courts, gathering spaces, a Gulf-side pool, bathhouse, and private beach boardwalks complete the amenities. Conveniently located near St. Joseph Peninsula State Park, home to the beach once named the #1 Beach in America, residents enjoy easy access to pristine shoreline, nature trails, fishing, shelling, and endless outdoor adventure. Whether you're searching for a primary residence, second home, or investment property, this extraordinary new build offers the very best of Cape San Blas coastal living.

Highlights

Listed by Julia L Cunningham , 850-624-6147 98 Real Estate Group, LLC , 850-648-2200. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.12

HOA Fee

3069 Annually

Year Built

2026

County

Gulf

Area

07 - Gulf County

Neighborhood

Ovation

Listing ID

790470

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:5
  • ▪ Bathrooms:5
  • ▪ Full Bathrooms:4
  • ▪ 1/2 Bathrooms:1
Appliances:Electric Cooktop, Electric Oven, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • ▪ Additional:Balcony, Double Vanity, Interior Steps, Sitting Area in Primary, Upper Level Primary, Walk-In Closet(s)

Exterior Features

Lot:Paved
Lot Dimensions:20 x 105
Zoning:County, Resid Single Family
Roof:Metal
Others:
  • ▪ Additional:Covered Patio, Outdoor Shower
Sewer:Public Sewer,Sewer Tap Paid
Parking Features:Gravel,Gated
Principal Interest
$8,282
Taxes
$956
HOA
$3,069

Home Price

$1,499,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$299,800
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:
$8,281.76

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $8,281.76 $955.61 $3,069.00 $12,306.37
Yearly $99,381.11 $11,467.35 $36,828.00 $147,676.46
Total $2,981,433.27 $344,020.50 $1,104,840.00 $4,430,293.77

Today's Rates

30 Year

7.37%

20 Year

7.27%

15 Year

6.8%

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Market insight data is pulled from the same city as the listing being viewed (Cape San Blas, 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: 2026-10-07T12:26:16.000Z

© 2026 Bay County Association of REALTORS