Agent profile image in chat bubble
Agent profile image in chat header

Harrison Lilly

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

Agent profile image in message

101 Island Grove Dr , Freeport, FL 32439
$749,900
Est. Payment: $3,802.96/mo
4 Bed
4 Bath
2785 Sqft
Status: pending | Days on site: 2
Get Pre-Qualified
VCR-C15903466 - VCR-C159091383,VCR-C159052275

By providing your number, you are expressly consenting, in writing, to receive telemarketing and other messages, including calls or texts at the number you provided above. This consent is not required to purchase any good or service. Message and data rates may apply. Text STOP to cancel.

This site is protected by reCAPTCHA and the GooglePrivacy Policy and Terms of Service apply.

Agent profile image
Harrison Lilly
Owner/Operator

House Description

NEW BUILD under construction with NO HOA and Lg yard big enough for pool! Exquisite & Meticulously Crafted Custom Modern Farmhouse in Cross Creek Shores, Freeport, FL NO HOA!!! Welcome to 101 Island Grove Rd-a stunning blend of timeless farmhouse charm and modern luxury. Thoughtfully designed and masterfully built by MK Home Design LLC, this one-of-a-kind signature home sits on a generous .33-acre lot in the desirable community of Cross Creek Shores. With no HOA and minimal restrictions, this 4-bedroom, 3.5-bath, 2,785 sq ft home delivers privacy, space, and exceptional craftsmanship. From the moment you arrive, you'll appreciate the oversized driveway, accommodating four vehicles, a 2-car garage ,and a welcoming front porch that sets the tone for the beauty inside. Step through the grand foyer, where 10' ceilings, custom crown molding, and luxury vinyl plank flooring create an immediate sense of elegance and warmth. At the heart of the home is a show-stopping chef's kitchen, adorned with custom solid wood ceiling beams, floating shelves, quartz waterfall countertops, KitchenAid stainless appliances, a farmhouse sink, and a built-in pantry. The open-concept design flows effortlessly into the main living area, bathed in natural light and perfectly suited for both daily living and entertaining. Just off the kitchen, the mud/laundry room offers convenience and style, featuring built-in cubbies, bench seating, and ample storage. Step outside to enjoy a spacious back deck, and a brick paver patio complete with a built-in fire pit perfect for evening gatherings under the stars. The first-floor primary suite offers a tranquil retreat, with a spa-inspired en-suite bath that includes his-and-her vanities, a freestanding soaking tub, and a custom-tiled walk-in shower. Upstairs, discover a second master suite with its own private en-suite bathroom and walk-in closet ideal for guests, multi-generational living, or a private sanctuary. You'll also find two generously sized additional bedrooms, a third full bathroom, and access to the second-floor balcony, where you can take in peaceful views of Four Mile Creek Bayou. This home's location is truly unbeatable for outdoor enthusiasts. Enjoy easy access to boating, fishing, and Florida's world-famous white sand beaches just 10 minutes away. You're also a short drive from Crab Island, Destin, 30A, Santa Rosa Beach, and Panama City Beach, as well as shopping, dining, top-rated schools, and Sacred Heart Hospital. Built with an unwavering commitment to quality, MK Home Design LLC ensures every home meets the highest standards. The builder is personally involved in daily construction, overseeing every detail and completing much of the custom carpentry himself. 101 Island Grove Rd is more than a home it's an invitation to experience the beauty, comfort, and lifestyle of modern farmhouse living in Freeport, Florida. PHOTOS ARE EXAMPLE OF THIS HOME THAT IS UNDER CONSTRUCTION. THE HOME MAY HAVE A FEW MODIFICATIONS ONCE FINISHED.

Highlights

Listed by Beverly J Buck , 850-333-0413 Coldwell Banker Realty , 850-650-4563. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.33

Year Built

2026

County

Walton

Area

20 - Freeport

Neighborhood

Cross Creek Shores

Listing ID

1001552

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:4
  • Full Bathrooms:3
  • 1/2 Bathrooms:1
Appliances:Auto Garage Door Opn, Dishwasher, Disposal, Ice Machine, Microwave, Range Hood, Refrigerator, Refrigerator W/IceMk, Smoke Detector, Smooth Stovetop Rnge, Stove/Oven Electric, Warranty Provided, Water Heater - Elect
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Tile,Floor Vinyl
Other:
  • Additional:Breakfast Bar, Built-In Bookcases, Ceiling Beamed, Ceiling Crwn Molding, Kitchen Island, Lighting Recessed, Newly Painted, Pantry, Pull Down Stairs, Split Bedroom, Washer/Dryer Hookup, Woodwork Painted
Water:Well

Exterior Features

Lot:Cleared,Flood Insurance Req,Interior,Level,Survey Available,Within 1/2 Mile to Water,See Remarks
Lot Dimensions:100' x 149' x 101' x 138' approx
Zoning:County, Resid Single Family
Others:
  • Additional:Rain Gutter, BBQ Pit/Grill, Lawn Pump, Sprinkler System, Deck Covered, Porch Open
Sewer:Public Sewer
Parking Features:Oversized,See Remarks
Principal Interest
$3,803
Taxes
$33

Home Price

$749,900

Loan Details

30 yrs
6.528%

Down Payment

20%
$149,980
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:
$3,802.96

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,802.96 $33.05 $0.00 $3,836.01
Yearly $45,635.48 $396.62 $0.00 $46,032.10
Total $1,369,064.26 $11,898.60 $0.00 $1,380,962.86

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

6%

Never Miss a Property

Be the first to know when a property hits the market.

Current Listings

Last 30 Days
N/A
Aug 2026

Average Price

All Price Ranges
N/A
Aug 2026

Average Days on Market

All Price Ranges
N/A
Aug 2026
Market insight data is pulled from the same city as the listing being viewed (Freeport, 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

© 2026 Emerald Coast Multiple Listing Services