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Harrison Lilly

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

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4 NE Bay Dr , Fort Walton Beach, FL 32548
$609,000
Est. Payment: $3,088.73/mo
4 Bed
2 Bath
2100 Sqft
Status: active | Days on site: 40
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Rare Ferry Park Multi-Generational Gem - Endless Character & Unmatched Utility! For the first time since 1977, this cherished family home is ready for its next chapter. Goodbye to predictable 'cookie-cutter' new construction, this 4-bed/2-bath/2-bonus room residence radiates authentic charm, structural integrity, and custom spaces you cannot find in modern developments. At approximately 2,100SF this property offers an upscale location (Ferry Park, Uptown Station, Brooks Bridge, Fort Walton Beach Landing Park) & unmatched functional living spaces that will maintain your family's serenity while putting you at the heart of the upbeat coastal lifestyle. Enjoy your morning coffee on the sweeping, open-air front porch, perfect for greeting neighbors in this tight-knit community. In the evening, retreat to the enclosed back porch overlooking the backyard firepit oasis, featuring mature trees & native, low-maintenance landscaping. The Hollywood Access Park is just down the street--the perfect spot to sit and catch that early Choctawhatchee Bay sunrise. Situated on a premier 0.28-acre lot in the heart of Fort Walton Beach's most sought-after, golf-cart-friendly neighborhood, this home perfectly blends coastal character with peace of mind. Recent updates include top-to-bottom paint and trim upgrades, completely refreshed kitchen, brand-new water heater (2026), new CENTRAL AC/ high-efficiency HVAC heat pump (Nov 2024), and a highly durable, insurance-friendly metal roof. The versatile interior layout flows beautifully, featuring bonus spaces ideal for his/her home offices, a media den, or private guest wing: potential for a 5th room upstairs, a kitchenette or whatever flex space your family needs. The existing termite bond, which has recently been renewed for another 10-year term is completely assumable for the new owner. Combined with R-30 blown-in treated attic insulation and the new high-efficiency HVAC, this expansive home is incredibly budget-friendly for the modern family. For the hobbyist, craftsman, or adventurer, this property offers unmatched layout utility with absolutely no HOA restrictions. The property boasts rare double driveways, including one with direct access straight to the backyard and an expansive turnaround area with a separate, high-clearance RV/boat storage pavilion equipped with its own water and electrical hookups. Nearby, you will find a detached workshop with utilities, flanked by 3 additional covered vehicle bays. Out front, the expansive parking available on the gravel pad parallel to Bay Drive, will accommodate a full sized RV. Embrace the ultimate Emerald Coast lifestyle: you are less than a 0.5 mile from the quiet neighborhood Walkedge Drive boat launch, and minutes from Cinco Bayou & the sugar white sands of Okaloosa Island. This home is a true Lifestyle legacy. Book your private tour today before this Ferry Park treasure is gone!

Highlights

Listed by Camilo D Perez , 833-700-2782 Home Sold Realty LLC , 833-700-2782. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.28

Year Built

1950

County

Okaloosa

Area

12 - Fort Walton Beach

Neighborhood

Ferry Park

Listing ID

1007250

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Water Heater - Elect
Air Cond:Central Air
Fireplaces:
Floor:Floor Hardwood,Floor Laminate,Floor Tile
Other:
  • Additional:Built-In Bookcases, Lighting Recessed, Newly Painted, Pantry, Shelving, Split Bedroom, Washer/Dryer Hookup

Exterior Features

Lot:Within 1/2 Mile to Water
Lot Dimensions:0.28 Acres
Zoning:City
Others:
  • Additional:BBQ Pit/Grill, Fenced Back Yard, Yard Building, Deck Open, Patio Covered, Patio Enclosed, Porch Screened, Fenced Privacy
Sewer:Public Sewer
Parking Features:Boat,Carport Detached,Detached,Oversized,RV
Principal Interest
$3,089
Taxes
$142

Home Price

$609,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$121,800
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:
$3,088.73

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,088.73 $141.62 $0.00 $3,230.35
Yearly $37,064.80 $1,699.40 $0.00 $38,764.20
Total $1,111,943.91 $50,982.00 $0.00 $1,162,925.91

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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