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Harrison Lilly

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

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11413 Church Rd , Ebro, FL 32437
$649,000
Est. Payment: $3,291.61/mo
4 Bed
3 Bath
1040 Sqft
Status: active | Days on site: 87
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Rare East River waterfront retreat and investment opportunity offering approximately 6.76 total acres across two parcels, with deepwater access, two concrete boat launches, and a dock creating an ideal setup for boating, fishing, and waterfront living. Surrounded by the natural beauty of Pine Log Forest, this property delivers privacy, river access, outdoor recreation, and multiple income or expansion possibilities. The primary parcel includes approximately 1.19 acres with 294 feet of East River frontage. The main residence is elevated on pilings and features 3 bedrooms, 2 bathrooms, approximately 1,040 square feet, a 1-car garage, and a 30' x 8' porch overlooking the East River and wooded surroundings. The home has been updated with luxury vinyl plank flooring, modern lighting, stainless steel appliances, kitchen and bathroom improvements, an open living and dining layout, and a fireplace. The lower level of the primary residence is partially finished and offers approximately 1,280 square feet with concrete flooring, exterior walls, plumbing, electrical, and storm windows and doors in progress, creating potential for additional living space or duplex-style use. A separate renovated 1 bedroom, 1 bathroom guest cottage offers flexibility for guests, rental income, or multi-generational living. There is also a 16' x 14' backyard shed that may offer additional storage or future use potential. The adjacent 5.57 acre parcel includes approximately 1,605 feet of river frontage and features a concrete deepwater cove boat launch. The parcel has been partially cleared with driveway access, and power, septic, and artesian well water are reported to be available on site. This additional acreage creates a strong opportunity for a private retreat, rental compound, tiny home concept, or build-to-suit vision, subject to zoning, permitting, and buyer verification. The property also includes two concrete pad boat launches, a riverside dock landing area, and pier walkway access for convenient access to the river. The East River connects toward the Choctawhatchee River, Choctawhatchee Bay, and the Gulf. Reported improvements include a 2019 architectural roof, 2020 HVAC system, 2020 50-gallon water heater, 2019 storm windows and sliding glass doors, 2022 septic leach field upgrade, 2020 LVP flooring, kitchen and bathroom updates, stainless steel appliances, and modern lighting. The detached guest cottage was built in 2011, and the backyard shed was built in 2012. Conveniently located approximately 21 miles from the Gulf and approximately 15 miles from Northwest Florida Beaches International Airport. Seller financing may be available to qualified investment buyers.

Highlights

Listed by Carl E Allen , 850-960-8808 and Tiffani Harnish , 850-358-6732 Counts Real Estate Group Inc , 850-249-1414. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
6.76

Year Built

1997

County

Bay

Area

04 - Bay County - North

Neighborhood

No Named Subdivision

Listing ID

789777

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:3
  • Full Bathrooms:3
Appliances:Electric Cooktop, Electric Oven, Electric Water Heater, Ice Maker
Air Cond:Central Air,Ceiling Fan(s),ENERGY STAR Qualified Equipment
Fireplaces:
Other:
  • Additional:Interior Steps, Smart Thermostat, Tub Shower, Upper Level Primary

Exterior Features

Lot:Paved
Lot Dimensions:irr
Roof:Composition,Shingle
Others:
  • Additional:Deck, Dock, Patio, Fire Pit
Parking Features:Additional Parking,Circular Driveway
Principal Interest
$3,292
Taxes
$414

Home Price

$649,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$129,800
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:
$3,291.61

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,291.61 $413.74 $0.00 $3,705.34
Yearly $39,499.27 $4,964.85 $0.00 $44,464.12
Total $1,184,978.00 $148,945.50 $0.00 $1,333,923.50

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 (Ebro, 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