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Harrison Lilly Team

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

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1915 Us Highway 90 , Cottondale, FL 32431
$529,999
Est. Payment: $2,928.17/mo
4 Bed
4 Bath
2416 Sqft
5 Acres
Status: Active | Days on site: 14
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C153 - B7529
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Harrison Lilly Team
Owner/Operator

House Description

Modern farmhouse style, thoughtful design, and five acres come together in this beautiful home completed in 2025! Offering 4 bedrooms and 4 full bathrooms, this home combines a warm, inviting feel with a floor plan designed for comfortable everyday living. The heart of the home is the open living area, where vaulted ceilings with wood beams create an impressive sense of space. A floor-to-ceiling stone fireplace anchors the living room, while built-in cabinetry adds both character and function. The adjoining kitchen is equally impressive with white cabinetry, stainless steel appliances, subway tile backsplash, a custom wood vent hood, open shelving, and a large center island with seating. Just off the kitchen, the generous dining area provides plenty of room for gathering and features beautiful double doors leading outside. The primary suite is privately positioned on one side of the home and offers a large bedroom, two walk-in closets, and a beautifully finished en suite bath. The bathroom features a double vanity, soaking tub, and oversized tiled walk-in shower with glass enclosure, along with the added convenience of direct access to the laundry room. Three additional bedrooms and three additional full bathrooms provide plenty of space and flexibility for family and guests. Outside, the home sits on approximately 5 acres, giving you plenty of room to enjoy the property. A welcoming covered front porch adds to the home's farmhouse appeal, while the large covered carport, expansive concrete parking area, fenced portion of the yard, and storage building add everyday functionality. With its 2025 completion, acreage, open-concept design, beautiful finishes, abundant storage, and four full bathrooms, this property offers the space and style of a newer home with room to enjoy both indoors and out.

Highlights

Listed by Seamus J O'neill , 850-260-5851 SOUTHERN WAY REALTY, INC. , 850-638-5222. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
5

Year Built

2025

County

Jackson

Area

09 - Jackson County

Neighborhood

[No Recorded Subdiv]

Listing ID

794895

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:4
  • ▪ Full Bathrooms:4
Appliances:Electric Oven, Electric Water Heater
Air Cond:Central Air
Fireplaces:Electric
Other:
  • ▪ Additional:Double Vanity, Soaking Tub, Separate Shower, Walk-In Closet(s)

Exterior Features

Lot:Paved
Lot Dimensions:397x564x398x521
Roof:Shingle
Principal Interest
$2,928
Taxes
$33

Home Price

$529,999

Loan Details

30 yrs
7.374%

Down Payment

20%
$106,000
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:
$2,928.17

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,928.17 $33.33 $0.00 $2,961.50
Yearly $35,138.02 $400.01 $0.00 $35,538.03
Total $1,054,140.53 $12,000.30 $0.00 $1,066,140.83

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 (Cottondale, 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: 2026-10-06T23:58:41.000Z

© 2026 Bay County Association of REALTORS