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Harrison Lilly

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

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3202 Bay St , Gulf Breeze, FL 32563
$1,374,000
Est. Payment: $6,968.67/mo
4 Bed
3.5 Bath
2957 Sqft
Status: active | Days on site: 259
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Crafted for beauty, efficiency, and sustainability — 3202 Bay St. defines modern coastal elegance with timeless craftsmanship. This new custom-built 4-bedroom, 3.5-bath residence is located just steps from the Santa Rosa Sound. Inside you will find soaring ceilings accented with historic Sinker Cypress beams, a gourmet kitchen featuring stainless appliances including a gas dual-fuel stove, quartz countertops, a bar area with wine fridge, and integrated lighting. The gas fireplace, framed by custom built-in shelving, creates a warm focal point in the open living area, enhanced by a Smart Home system compatible with Apple Home, Alexa, and Google for complete control and convenience. Exterior touches include Cypress ship lap porch ceilings, 10’ garage doors to accommodate boat storage, and a dedicated dog wash in the garage for added practicality. The open-concept layout flows seamlessly to the outdoors, where an outdoor kitchen with granite countertops set the stage for relaxed coastal entertaining. Built to last with premium building systems, the home features two Trane HVAC units for reliable efficiency, a Mitsubishi split system in the primary suite for personalized comfort, blown-in insulation for enhanced energy performance and noise reduction, and a robust 400-amp electrical service to power modern living securely and efficiently. Every element of 3202 Bay St. reflects a perfect blend of beauty, technology, and durability- designed for those who value craftsmanship, comfort, and a sustainable lifestyle by the water. Certificate of Occupancy has been issued. Newly installed backyard privacy fence and epoxied garage and porch floors. This one is ready!

Highlights

Listed by Amanda Alberson , 850-932-3513 and Leah Patroni , 850-288-9685 Alberson Realty , 352-636-3700. Pensacola Association of REALTORS®, Inc.

Property Type

Residential

Lot/Acreage
0.34

Year Built

2026

County

Santa Rosa

Neighborhood

Oriole Beach

Listing ID

674474

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:3.5
  • Full Bathrooms:3
  • 1/2 Bathrooms:1
Appliances:Water Heater, Gas Water Heater, Tankless Water Heater/Gas, Wine Cooler, Built In Microwave, Dishwasher, Disposal, Microwave, Refrigerator
Air Cond:Multi Units
Fireplaces:
Floor:Tile,Simulated Wood
Other:
  • Additional:Storage, Baseboards, Bookcases, Ceiling Fan(s), High Ceilings, High Speed Internet, Recessed Lighting, Sound System, Smart Thermostat, Master on Main
Water:Public

Exterior Features

Lot:Central Access
Lot Dimensions:70X210
Garage Capacity:2
Zoning:Res Single
Roof:Shingle,Gable,Metal
Others:
  • Additional:Balcony, Irrigation Well, Lawn Pump, Outdoor Kitchen, Sprinkler, Under Construction
Sewer:Grinder Pump,Public Sewer
Parking Features:2 Car Garage,Boat,Oversized,RV Access/Parking,Garage Door Opener
Principal Interest
$6,969
Taxes
$876

Home Price

$1,374,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$274,800
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:
$6,968.67

Principal

Taxes

Principal Taxes HOA Total
Monthly $6,968.67 $875.93 $0.00 $7,844.59
Yearly $83,624.03 $10,511.10 $0.00 $94,135.13
Total $2,508,720.75 $315,333.00 $0.00 $2,824,053.75

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 (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: 2026-08-20T07:06:24.000Z

© 2026 Pensacola Association of REALTORS®, Inc.