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Harrison Lilly

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

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423 Caviar Dr , Fort Walton Beach, FL 32548
$1,949,000
Est. Payment: $9,883.93/mo
5 Bed
4 Bath
3208 Sqft
Status: active | Days on site: 180
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Stunning Newly Renovated Waterfront Coastal Retreat, Just Moments from the Beach! Welcome to your slice of paradise, a beautifully reimagined 5-bed/4-full bath, single-family home spanning over 3200sf of sophisticated living space on a .32-acre lot with 100' waterfront in the highly desirable Okaloosa Island area. This 1971 built home has been completely transformed with high-end renovations throughout, blending timeless coastal charm with contemporary luxury. Step inside to discover an open-concept floor plan bathed in natural light, featuring brand-new large format porcelain tile flooring, fresh neutral paint, smooth modern ceilings and trim, and elegant recessed lighting that creates an inviting, airy atmosphere perfect for relaxed Florida living or entertaining. The gourmet kitchen is a chef's dream, boasting quartz countertops, matching solid quartz backsplash, stainless steel appliances, a large waterfall center island with breakfast bar seating, custom soft-close cabinetry, ideal for preparing meals while staying connected to family and guests in the adjoining living and dining areas. The Waterfront Dining Room is perfect for entertaining. This space boasts the ability to seat 30 guests at one time, with a custom-made natural wood dining table. The wet bar sits on one side of the room with antique glass backsplash, an icemaker, and large wine cooler, while the adjacent side has a custom banquet booth for additional seating. All 5 generous bedrooms offer ample space and comfort with access to the pool from every bedroom. The primary suite provides a peaceful retreat complete with a spa-like en-suite bathroom featuring modern fixtures, a walk-in shower, luxurious soaking tub, dual vanities, and plenty of storage. A newly built guest suite with its own private bathroom. Two bedrooms that share newly renovated jack and jill bathroom have been fully updated with contemporary tile work, new vanities, and high-efficiency fixtures. Additional highlights include: ·Brand-new roof, HVAC system, plumbing, and electrical updates for peace of mind. ·Brand new extra deep Double Car Garage for two large cars and more storage. ·Expansive living areas with flexible bonus spaces (perfect for a home office, media room, or guest suite potential). ·Large, fenced backyard with a pool, and outdoor teak dining and lounging areas for endless coastal entertaining. ·Ample parking and storage options. ·No HOA restrictions in this sought-after neighborhood. Location is everything here - you're just a short 3 min stroll (500 ft.) from the sugar-white sands and emerald waters of the Gulf of Mexico. Enjoy full Choctawhatchee Bay access with a deep-water dock with both boat & wave runner lifts. Just out the backdoor you will have access to the Florida Intercoastal Waterway, Crab Island and the Gulf of Mexico, for fishing, water sports, and the vibrant dining/shopping scene of Fort Walton Beach and Destin. This prime spot offers the best of Emerald Coast living; beach proximity without the high-rise condo fees! Whether you're seeking a primary residence, vacation getaway, or smart investment property in one of Florida's most coveted coastal markets, this turnkey renovated beauty is move-in ready and waiting for its new owners. Don't miss this rare opportunity - schedule your private showing today and start living the beach life you've always dreamed of!

Highlights

Listed by Justin B Myers , EXP Realty LLC , 850-460-2900. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.32

Year Built

1971

County

Okaloosa

Area

12 - Fort Walton Beach

Neighborhood

Santa Rosa Island

Listing ID

995651

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:5
  • Bathrooms:4
  • Full Bathrooms:4
Appliances:Dishwasher, Microwave, Oven Double, Range Hood, Refrigerator, Stove/Oven Gas, Wine Refrigerator
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Tile
Other:
  • Additional:Breakfast Bar, Fireplace 2+, Kitchen Island, Lighting Recessed, Wet Bar

Exterior Features

Lot:Bulkhead/Seawall,Within 1/2 Mile to Water,Intracoastal Wtrwy,Sound
Lot Dimensions:94 X 170 X 94 X 170
Zoning:Resid Single Family
Others:
  • Additional:Boatlift, Dock, Fenced Back Yard, Patio Open
Sewer:Public Sewer
Parking Features:Oversized
Principal Interest
$9,884
Taxes
$1,037

Home Price

$1,949,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$389,800
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:
$9,883.93

Principal

Taxes

Principal Taxes HOA Total
Monthly $9,883.93 $1,037.11 $0.00 $10,921.04
Yearly $118,607.20 $12,445.33 $0.00 $131,052.53
Total $3,558,216.09 $373,359.90 $0.00 $3,931,575.99

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

6%

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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: 2026-08-20T06:32:47.000Z

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