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Harrison Lilly

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

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65 Island Grove Dr , Freeport, FL 32439
$488,000
Est. Payment: $2,475.04/mo
3 Bed
3 Bath
2618 Sqft
Status: active | Days on site: 148
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

**Assumable 2.75% VA Loan Offered to Qualified Buyers** Not all new homes are created equal, and 65 Island Grove Drive makes that clear the moment you walk through the door. While today's subdivisions rush homes to market on postage-stamp lots with builder-grade finishes, this custom-built home in Cross Creek Shores was crafted differently, with intention, quality materials, and the kind of attention to detail that simply can't be replicated at scale. Every corner of this 3-bedroom, 3-bath, 2,618 sq ft home reflects the care that goes into building something meant to last. The open floor plan gives the home a natural, expansive feel. With no wasted space, no awkward layouts, just a thoughtful design that flows from living to dining to kitchen with ease. Three full bathrooms mean the whole family is accommodated without compromise, and the generous square footage offers the kind of room that newer, smaller homes in the area simply can't match. But step outside, and the real magic begins. This is a nature lover's paradise in the truest sense. The sprawling yard is framed by the natural beauty Northwest Florida is famous for. Towering pine trees, open skies, and the kind of stillness you can't manufacture. Where new construction crowds homes onto minimal lots, this property gives you space to breathe, watch the sunrise with a cup of coffee, spot deer grazing at dusk, or simply sit and listen to the birds. There's plenty of room to add a pool, create a garden sanctuary, or leave it wild and let nature do what it does best. Cross Creek Shores sits at the heart of some of Florida's most pristine natural landscape, with easy access to the Choctawhatchee Bay, local fishing holes, hiking trails, and the legendary white sand beaches of the Emerald Coast just a short drive away. This is the kind of place where you wake up and feel like you're on vacation every single day. If you've toured the new builds and found yourself wondering is this it? Then this is your answer!! Custom quality, real space, and a home surrounded by the natural beauty of Northwest Florida that you'll never want to leave!

Highlights

Listed by Michael S Pechacek , 850-361-8561 Real Broker LLC , 855-450-0442. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.32

Year Built

2007

County

Walton

Area

20 - Freeport

Neighborhood

Cross Creek Shores

Listing ID

996991

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:3
Appliances:Dishwasher, Disposal, Dryer, Microwave, Refrigerator W/IceMk, Smoke Detector, Stove/Oven Electric, Washer
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Tile,Floor Vinyl
Other:
  • Additional:Breakfast Bar, Ceiling Raised, Fireplace, Pantry, Split Bedroom, Washer/Dryer Hookup

Exterior Features

Lot:Flood Insurance Req,Within 1/2 Mile to Water
Lot Dimensions:128.23’ x 110.62’
Zoning:Resid Single Family
Others:
  • Additional:Sprinkler System, Patio Enclosed, Porch Open, Porch Screened
Sewer:Public Sewer
Parking Features:Garage Detached,Oversized,RV
Principal Interest
$2,475
Taxes
$253

Home Price

$488,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$97,600
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:
$2,475.04

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,475.04 $253.48 $0.00 $2,728.53
Yearly $29,700.53 $3,041.79 $0.00 $32,742.32
Total $891,015.81 $91,253.70 $0.00 $982,269.51

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

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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: 2026-08-20T07:16:22.000Z

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