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Harrison Lilly Team

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

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186 Stillwater Rd , Freeport, FL 32439
$140,000
Est. Payment: $773.48/mo
0.39 Acres
Status: Active | Days on site: 41
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ECBY26 - E22757
By proceeding and clicking the sign up button, you consent to receive calls and texts (SMS/MMS) including marketing and promotional communications, from Harrison Lilly Team, its affiliates, and agents or vendors acting on their behalf. These communications may be delivered using an automatic telephone dialing system or by using an artificial or prerecorded voice. Message and data rates may apply. To opt out of text messages, reply STOP. Your consent is not required as a condition of any purchase. By continuing, you also agree to our Terms of Use and Privacy Policy.
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Harrison Lilly Team
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House Description

Don't miss this rare canal-front opportunity featuring 70 feet of waterfront with direct access to Choctawhatchee Bay! Situated high and dry in Flood Zone X with no HOA, this property offers exceptional flexibility to build your waterfront retreat or bring your RV and start enjoying the coastal lifestyle. The property features a paved driveway, underground city water and electric, and a large septic system, with public sewer. Boaters will love being approximately 1.5 miles from the public boat ramp, while the beautiful beaches of the Emerald Coast are only about 20 minutes away. The existing mobile home is considered to have no value and will require removal, leaving you with a blank slate to create your vision. Waterfront. No HOA. Bay access. Flood Zone X. Opportunities like this are increasingly hard to find. Affordable waterfront living with incredible potential--priced to sell!
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Highlights

Listed by Crystal N Cheatham , 850-687-5118 Crystal Ball Legacy Real Estate LLC , 850-687-5118. Emerald Coast Multiple Listing Services

Property Type

Vacant Land
Lot/Acreage
0.39

County

Walton

Area

20 - Freeport

 Neighborhood

Magnolia Bay

Listing ID

1010743

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Interior Features

Exterior Features

Lot:Cleared,Within 1/2 Mile to Water,RV Lot,Canal
Lot Dimensions:86x156x77x179
Zoning:Resid Single Family
Sewer:Septic Tank
Principal Interest
$773
Taxes
$25

Home Price

$140,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$28,000
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:
$773.48

Principal

Taxes

Principal Taxes HOA Total
Monthly $773.48 $24.52 $0.00 $798.00
Yearly $9,281.76 $294.24 $0.00 $9,576.00
Total $278,452.74 $8,827.20 $0.00 $287,279.94

Today's Rates

30 Year

7.37%

20 Year

7.27%

15 Year

6.8%

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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: 2026-10-07T11:00:03.000Z

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