Agent profile image in chat bubble
Agent profile image in chat header

Harrison Lilly

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

Agent profile image in message

3301 Crystal Lake Dr , Chipley, FL 32428
$689,000
Est. Payment: $3,494.48/mo
3 Bed
2 Bath
1763 Sqft
Status: active | Days on site: 70
Get Pre-Qualified
VCR-C15903466 - VCR-C159091383,VCR-C159052275

By providing your number, you are expressly consenting, in writing, to receive telemarketing and other messages, including calls or texts at the number you provided above. This consent is not required to purchase any good or service. Message and data rates may apply. Text STOP to cancel.

This site is protected by reCAPTCHA and the GooglePrivacy Policy and Terms of Service apply.

Agent profile image
Harrison Lilly
Owner/Operator

House Description

Iconic Waterfront Views Meets Unapologetic Luxury on Crystal Lake! Prepare to fall head over heels for this absolute showstopper on the pristine, white-sand shores of Crystal Lake--one of the area's premier, skiable freshwater paradises! Every single square inch of this estate has been flawlessly reimagined and custom-rebuilt from the inside out to offer a turnkey lifestyle of pure coastal luxury. Step through the door into an open-concept sanctuary defined by soaring vaulted ceilings, gorgeous decorative wood detailing, and premium ceramic tile floors. The heart of the home is a magnificent living space anchored by a majestic, real sealed brick fireplace with a custom wood mantel and exposed decorative beams. Flowing effortlessly from the living room is a chef's dream kitchen, boasting premium custom cabinetry, high-end granite countertops, a massive statement island, and a jaw-dropping real brick backsplash. Both bathrooms offer a true spa experience, featuring granite-topped vanities and breathtaking walk-in custom tile showers enclosed in flawless glass with ultra-chic matte black hardware. Unwind against the backdrop of your private waterfront playground. Step out onto the massive, heavy-duty back deck built for a lifetime of entertaining. Both the front and back porches are fully enclosed with premium ''Tough Screen'' to keep your pets perfectly safe while you soak in the breeze. A custom staircase leads down to a fully fenced, private backyard oasis featuring lush Zoysia sod, automated sprinklers, and a brand-new retaining wall. From the secure, locking entry gate to the pristine landscaping, the curb appeal is unmatched. Peace of mind is the ultimate luxury, and this home is engineered like a fortress. Both the main house and the detached garage feature brand-new metal roofs with hurricane tie-downs, brand-new interior framing, and durable Hardy Board siding. Every window and door--including the rear sliding glass doors and garage door--is brand-new and hurricane-rated. Behind the beautiful walls lies an entirely modernized infrastructure, featuring full spray-foam insulation for massive energy savings, a whole-house smart climate and dehumidification network, a brand-new tankless water heater, and completely updated electrical, septic, and well systems. Stop dreaming about the lake life and start living it in a luxury waterfront masterpiece that truly has it all.

Highlights

Listed by Brian Clowdus , 256-504-3799 Christies International Real Estate Emerald Coast , 850-213-2800. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.35

Year Built

1984

County

Washington

Area

10 - Washington County

Neighborhood

[No Recorded Subdiv]

Listing ID

790848

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Electric Cooktop, Electric Oven, Electric Range, Tankless Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Main Level Primary, Sitting Area in Primary, Separate Shower, Walk-In Closet(s)

Exterior Features

Lot Dimensions:280X48X276X50
Zoning:Resid Single Family
Roof:Metal
Others:
  • Additional:Covered Patio, Porch
Parking Features:Additional Parking,Garage,Garage Door Opener,Gravel
Principal Interest
$3,494
Taxes
$385

Home Price

$689,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$137,800
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:
$3,494.48

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,494.48 $385.25 $0.00 $3,879.73
Yearly $41,933.74 $4,623.00 $0.00 $46,556.74
Total $1,258,012.08 $138,690.00 $0.00 $1,396,702.08

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

Never Miss a Property

Be the first to know when a property hits the market.

Current Listings

Last 30 Days
N/A
Aug 2026

Average Price

All Price Ranges
N/A
Aug 2026

Average Days on Market

All Price Ranges
N/A
Aug 2026
Market insight data is pulled from the same city as the listing being viewed (Chipley, 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