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Harrison Lilly

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

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12 Lucille Street B , Fort Walton Beach, FL 32548
$645,000
Est. Payment: $3,271.32/mo
3 Bed
3 Bath
2143 Sqft
Status: pending | Days on site: 6
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
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House Description

Imagine yourself gazing over Cinco Bayou from your waterfront townhome looking for dolphins every morning and every sunset! This spacious, remodeled townhome is available for new owners to enjoy their piece of paradise that even comes with a BOAT SLIP! With 2 spacious bedrooms upstairs, and an office that could be used as a flex space or bedroom downstairs, you will have plenty of room to relax and enjoy the Florida lifestyle. Some key updates include: new hurricane windows and Trex decking in 2022, refinished/repainted walls in 2022, updated electrical outlets in 2024, completely remodeled master bathroom in 2022, new flooring downstairs in 2023, updates in two other bathrooms in 2023, new kitchen cabinets in 2023, new appliances in 2024, and more- check out the feature sheet for details! There is also an assumable VA interest rate of 2.75%, as your favorite agent and make an appointment to see this wonderful home today so see how you can enjoy the waterfront Florida lifestyle and live in paradise year round!
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Highlights

Listed by Georgia B Henderson , 850-733-6973 Gulfside Haven LLC , 850-733-6973. Emerald Coast Multiple Listing Services

Property Type

Condo/Townhome
Lot/Acreage
0.11

HOA Fee

Year Built

1995

County

Okaloosa

Area

12 - Fort Walton Beach

 Neighborhood

Captiva Cove

Listing ID

1005670

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:Auto Garage Door Opn, Dishwasher, Disposal, Microwave, Refrigerator W/IceMk, Smoke Detector, Stove/Oven Electric, Water Heater - Gas
Air Cond:Attic Fan,Ceiling Fans,Central Air
Fireplaces:Fireplace Gas
Floor:Floor Hardwood,Floor Tile,Floor WW Carpet
Other:
  • ▪ Additional:Breakfast Bar, Ceiling Crwn Molding, Ceiling Raised, Fireplace, Lighting Recessed, Pantry, Shelving, Wallpaper, Walls Mirrored, Washer/Dryer Hookup, Woodwork Painted

Exterior Features

Lot:Covenants,Flood Insurance Req,Interior,Level,Restrictions,Within 1/2 Mile to Water,Unit Waterfront,Bay,Bayou
Lot Dimensions:24X194
Zoning:Resid Multi-Family
Others:
  • ▪ Additional:Boat Slip, Dock, Sprinkler System, Deck Covered, Deck Open, Porch, Porch Open
Sewer:Public Sewer
Parking Features:Garage,Detached,Guest
Principal Interest
$3,271
Taxes
$552
HOA
$0

Home Price

$645,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$129,000
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:
$3,271.32

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,271.32 $552.16 $0.00 $3,823.48
Yearly $39,255.82 $6,625.93 $0.00 $45,881.75
Total $1,177,674.59 $198,777.90 $0.00 $1,376,452.49

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 (Fort Walton Beach, 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 Emerald Coast Multiple Listing Services, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-08-20T07:16:22.000Z

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