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Harrison Lilly Team

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

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4 NE Bay Dr , Fort Walton Beach, FL 32548
$589,000
Est. Payment: $3,254.14/mo
4 Bed
2 Bath
2100 Sqft
0.28 Acres
Status: Active | Days on site: 28
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Harrison Lilly Team
Owner/Operator

House Description

Positioned across the street from the shimmering waters of the Choctawhatchee Bay, this 1950-built residence offers a blend of mid-century warmth and timeless coastal soul. Cherished by the same family since 1977, this home is ready for its next chapter in the heart of the sought-after Elliott Park neighborhood. NO HOA and Short-Term Rentals are allowed with strong rental projections. The sellers are motivated to provide this home as an option for the next potential owners. Sellers are also offering up to $10,000 towards the buyer's closing costs. Seller to provide wood fireplace with acceptable offer. Step out to the open front porch to watch the morning light or wander just 200 feet down the street to the Hollywood Water Access Park. Sitting on 0.28-acre lot, the property features a private backyard complete with covered boat storage, keeping your watercraft protected and ready for quick launches onto the water. Inside, a refreshed kitchen serves as a bright, inviting centerpiece, seamlessly pairing historic charm with modern ease. Upstairs you will find a bonus room with potential to be converted to a 5th bedroom. High-ticket system updates deliver peace of mind, including a metal roof (2013), HVAC system (2024), and a new water heater (2026). Coastal properties offering this rich family legacy, prime bay proximity, and dedicated space for your coastal lifestyle are an absolute rarity

Highlights

Listed by Brandon Jennings , 850-598-9878 Keller Williams Realty FWB , 850-226-6323. 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

1011365

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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
$3,254
Taxes
$142

Home Price

$589,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$117,800
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:
$3,254.14

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,254.14 $141.62 $0.00 $3,395.76
Yearly $39,049.68 $1,699.40 $0.00 $40,749.08
Total $1,171,490.46 $50,982.00 $0.00 $1,222,472.46

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 (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: 2026-10-07T15:01:32.000Z

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