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Harrison Lilly

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

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535 Dolphin Ave , Fort Walton Beach, FL 32548
$799,000
Est. Payment: $4,051.96/mo
5 Bed
3 Bath
2770 Sqft
Status: active | Days on site: 27
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Welcome to a place where life slows down, salt air fills your lungs, and every day feels like you slipped quietly into vacation mode. This 5-bedroom, 3-bath coastal retreat sits on a rare barrier island just three miles in length, where the sugar-white Gulf waters stretch along the southern shore and the calm Sound and Intracoastal Waterway shimmer to the north. In other words--you're surrounded by water, beauty, and the kind of scenery people travel thousands of miles to find. Here, mornings begin with the soft glow of sunrise dancing across the Sound and end with fiery Gulf sunsets that paint the sky in impossible colors. A quick stroll or golf-cart ride places your toes in the sand, while the quiet rhythm of island living replaces the rush of the mainland. Inside, the home.... offers five spacious bedrooms and three full baths, creating room for gathering, hosting, and making memories that feel a little bigger when they happen near the water. Whether it's weekend guests, family holidays, or simply spreading out after a long beach day, this home was designed to welcome everyone. But what truly sets this property apart isn't just the home itself; it's the rare lifestyle that comes with living on a narrow ribbon of land between two breathtaking bodies of water. Paddleboard the Sound in the morning. Walk the Gulf beach in the evening. Watch dolphins pass by as if they're part of the neighborhood. Because when you live on an island like this...you don't just own a home you claim a piece of the coast.

Highlights

Listed by Nikki Segraves Wood , 850-420-0955 ERA American Real Estate , 850-651-2454. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.41

Year Built

1973

County

Okaloosa

Area

12 - Fort Walton Beach

Neighborhood

Santa Rosa Island

Listing ID

997888

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:5
  • Bathrooms:3
  • Full Bathrooms:3
Appliances:Dishwasher, Disposal, Dryer, Microwave, Range Hood, Refrigerator, Refrigerator W/IceMk, Smoke Detector, Washer, Water Heater - Elect
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Parquet,Floor Tile,Floor Vinyl
Other:
  • Additional:Breakfast Bar, Lighting Recessed, Pantry, Washer/Dryer Hookup

Exterior Features

Lot:Cul-De-Sac,Within 1/2 Mile to Water
Lot Dimensions:49x221x130x168
Zoning:Deed Restrictions, Resid Single Family
Others:
  • Additional:Balcony, Fenced Back Yard, Deck Covered, Deck Open, Patio Open, Porch
Sewer:Public Sewer
Parking Features:Oversized
Principal Interest
$4,052
Taxes
$473

Home Price

$799,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$159,800
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:
$4,051.96

Principal

Taxes

Principal Taxes HOA Total
Monthly $4,051.96 $472.93 $0.00 $4,524.89
Yearly $48,623.48 $5,675.20 $0.00 $54,298.68
Total $1,458,704.29 $170,256.00 $0.00 $1,628,960.29

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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