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Harrison Lilly

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

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42 Flora Ln , Freeport, FL 32439
$554,900
Est. Payment: $2,814.35/mo
4 Bed
3 Bath
2372 Sqft
Status: pending | Days on site: 33
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Tucked away on an intimate cul-de-sac street of just 23 homes, 42 Flora Lane offers the rare opportunity to own a home with custom features and upgrades not available from the builder. Most notably, this home features natural gas including a gas range, tankless gas water heater, and charming gas lanterns bringing everyday comfort, and added convenience. ***Seller offering $5,000 that may be applied toward buyer's closing costs or an interest rate buydown. Inside, soaring 12-foot ceilings create a bright, open living space accented by crown molding, quartz countertops, board and batten details, a cozy fireplace, and an inviting layout designed for gathering with family and friends. The refrigerator, washer, and dryer are included, making your move effortless from day one. Enjoy Florida living on the extended patio overlooking the fully fenced backyard with a privacy wall and outdoor TV. Additional enhancements include epoxy garage floors, an expanded driveway for additional parking, whole-home water softener with reverse osmosis system, HVAC air purification, gutters, soffit lighting, and more. Located just minutes from Hammock Bay's resort-style amenities, Steamboat Landing, and a short drive to the Emerald Coast's world-famous white-sand beaches, this exceptional home offers custom features and upgrades rarely found even in new construction. Ideally located just 5 minutes from the Steamboat Landing Bay Clubhouse and moments from Hammock Bay's resort-style amenities, including pools, fitness center, pickleball courts, walking trails, parks, and year-round community events, this exceptional home offers the perfect blend of comfort, convenience, and elevated living.

Highlights

Listed by The Wheeler Sauls Collective , 850-527-2275 Salty Marlin Realty LLC , 850-615-2406. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.2

HOA Fee

420 Quarterly

Year Built

2024

County

Walton

Area

12 - Walton County

Neighborhood

Hammock Bay

Listing ID

792333

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:3
  • Full Bathrooms:3
Appliances:Electric Cooktop, Electric Oven, Gas Water Heater, Tankless Water Heater
Air Cond:Central Air
Fireplaces:

Exterior Features

Lot Dimensions:70.0 ft x 128.0 ft
Sewer:Public Sewer
Parking Features:Garage,Garage Door Opener
Principal Interest
$2,814
Taxes
$389
HOA
$420

Home Price

$554,900

Loan Details

30 yrs
6.529%

Down Payment

20%
$110,980
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:
$2,814.35

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,814.35 $389.10 $420.00 $3,623.45
Yearly $33,772.18 $4,669.18 $5,040.00 $43,481.36
Total $1,013,165.32 $140,075.40 $151,200.00 $1,304,440.72

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 Bay County Association of REALTORS, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-08-20T06:33:19.000Z

© 2026 Bay County Association of REALTORS