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Harrison Lilly Team

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

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217 NE Yacht Club Dr , Fort Walton Beach, FL 32548
$2,200,000
Est. Payment: $12,154.68/mo
4 Bed
3 Bath
3106 Sqft
0.74 Acres
Status: Active | Days on site: 5
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Harrison Lilly Team
Owner/Operator

House Description

Tucked along the protected waters of Cinco Bayou, this estate-sized property offers clear water for swimming, room for boats, and sweeping views--all close to Ferry Park, the Fort Walton Yacht Club, downtown Fort Walton Beach, and the beaches. The sense of arrival begins well before the front door. A long driveway winds through mature landscaping, beneath arching live oaks and past tropical plantings and carefully trimmed hedges. At the end stands a stately home with a broad front porch and two-story columns: a place that feels both grand and welcoming. Inside, the home is ready for its next chapter. Much of the interior has been renovated, including modern bathrooms and updates to the electrical, plumbing, fixtures, and HVAC ductwork. The traditional floor plan gives each part of the day its own place. A formal living room could become a library or home office; the dining room is made for gathering; and the kitchen connects to the family living area while retaining a space of its own. Beside it, a waterside breakfast nook offers the kind of everyday luxury that matters most: a place to start the morning together, share the day's plans, and linger over the view. The main living room looks across a covered brick porch toward the pool and bayou, with a wet bar ready for evenings with friends. A waterfront guest bedroom and remodeled bath on the main level make hosting easy; the bath also opens outdoors for poolside use. A laundry room, two-car garage, and generous additional storage complete the first floor. Upstairs, the private bedrooms are set apart from the gathering spaces, including a spacious primary suite with a remodeled bath and large balcony overlooking the pool and bayou and two large bedrooms with walk-in closets and a shared Jack-and-Jill bath. Then there is the waterfront--the reason a home like this becomes part of a family's story. The pool, hot tub, and covered porch invite long afternoons outside, while nearly 100 feet of shoreline opens onto protected Cinco Bayou. Sandy, shallow water near the edge is inviting for swimming, fishing, and play; deeper water farther out can accommodate larger boats. With no intervening bridge between the property and the bay, days on the water can take you well beyond the neighborhood. Picture sunrise paddleboarding, an afternoon sail, children learning to fish from the dock, friends gathered by the pool, and summer sunsets over the water. On Yacht Club Drive, those moments can become everyday life.

Highlights

Listed by Matthew N McGee , 850-426-4136 Livin Right Real Estate LLC , 850-426-4136. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.74

Year Built

1988

County

Okaloosa

Area

12 - Fort Walton Beach

Neighborhood

Hughes Estates 1St Addn

Listing ID

1012854

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:2
  • ▪ 1/2 Bathrooms:1
Appliances:Auto Garage Door Opn, Cooktop, Disposal, Microwave, Oven Self Cleaning, Security System, Stove/Oven Electric
Air Cond:Central Air
Fireplaces:
Floor:Floor Hardwood,Floor WW Carpet
Other:
  • ▪ Additional:Built-In Bookcases, Ceiling Crwn Molding, Fireplace, Pull Down Stairs

Exterior Features

Lot:Within 1/2 Mile to Water,Bay,Bayou,Shore - Seawall
Lot Dimensions:61.92' x 370' x 103' x 444'
Zoning:City
Others:
  • ▪ Additional:Balcony, Pool - Gunite Concrt, Patio Covered, Porch, Porch Screened
Sewer:Public Sewer
Parking Features:Garage
Principal Interest
$12,155
Taxes
$430

Home Price

$2,200,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$440,000
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Monthly Price:
$12,154.68

Principal

Taxes

Principal Taxes HOA Total
Monthly $12,154.68 $429.71 $0.00 $12,584.40
Yearly $145,856.20 $5,156.56 $0.00 $151,012.76
Total $4,375,685.92 $154,696.80 $0.00 $4,530,382.72

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: 2026-10-07T06:31:40.000Z

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