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Harrison Lilly Team

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

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4126 Oak Pointe Dr , Gulf Breeze, FL 32563
$449,000
Est. Payment: $2,480.66/mo
3 Bed
2 Bath
2112 Sqft
0.14 Acres
Status: Contingent | Days on site: 92
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Harrison Lilly Team
Owner/Operator

House Description

The expensive stuff? Already done. The pretty stuff? That’s done too. This updated 3-bedroom, 2-bath brick home with a versatile bonus room pairs a fully remodeled kitchen and bathrooms with LVP flooring throughout, newer HVAC and ductwork, a screened patio, and something you don’t find every day: a 26kW whole-house Generac gas generator. The kitchen features quartz countertops, new cabinetry and appliances, and a designer backsplash. Both bathrooms have been beautifully updated, including an oversized tiled walk-in shower in the primary suite and a new tub with tile surround in the guest bath. There’s no carpet anywhere, and the bonus room gives you extra space for an office, craft room, home gym, or playroom. Out back, a newer screened patio with sunshade overlooks the landscaped yard, enclosed by an 8-foot horizontal privacy fence. And the improvements go well beyond what you can see: HVAC and ductwork were replaced in 2022 and include a UV light system, the Generac generator was installed in 2023, and the roof was replaced in 2015. A transferable termite warranty is also in place. Located in Flood Zone X, where flood insurance is not required, this is a home where the upgrades, major systems, outdoor living, and backup power have already been handled. All that’s left is moving in.

Highlights

Listed by Lisa Roy , 850-602-0171 and Pepper White , 850-602-0171 Levin Rinke Realty , 850-916-5050. Pensacola Association of REALTORS®, Inc.

Property Type

Residential

Lot/Acreage
0.14

HOA Fee

500 Annually

Year Built

1997

County

Santa Rosa

Neighborhood

Oak Pointe

Listing ID

685521

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Electric Water Heater, Dryer, Washer, Dishwasher, Disposal, Microwave, Refrigerator
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Floor:Vinyl,Simulated Wood
Other:
  • ▪ Additional:Baseboards, Bookcases, Ceiling Fan(s), High Ceilings, High Speed Internet, Recessed Lighting, Bonus Room, Master on Main

Exterior Features

Lot:Near Golf Course,Interior Lot
Lot Dimensions:50X125
Garage Capacity:4
Zoning:Res Single
Roof:Shingle
Others:
  • ▪ Additional:Irrigation Well, Lawn Pump, Sprinkler, Resale
Parking Features:2 Car Garage,Garage Door Opener
Principal Interest
$2,481
Taxes
$286
HOA
$500

Home Price

$449,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$89,800
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:
$2,480.66

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,480.66 $286.24 $500.00 $3,266.90
Yearly $29,767.92 $3,434.85 $6,000.00 $39,202.77
Total $893,037.72 $103,045.50 $180,000.00 $1,176,083.22

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 (Gulf Breeze, 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 Pensacola Association of REALTORS®, Inc., and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-10-07T07:04:08.000Z

© 2026 Pensacola Association of REALTORS®, Inc.