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Harrison Lilly Team

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

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6435 Garden Dr , Gulf Breeze, FL 32563
$359,000
Est. Payment: $1,983.42/mo
3 Bed
2 Bath
1615 Sqft
0.25 Acres
Status: Active | Days on site: 79
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EKW11 - E30520
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Harrison Lilly Team
Owner/Operator

House Description

Welcome to your own slice of Gulf Breeze paradise! Tucked within the sought-after Holley by the Sea community, this beautiful home offers the perfect blend of comfortable living, thoughtful updates, and access to a coastal lifestyle. Step inside to discover an open and inviting floor plan designed for both everyday living and effortless entertaining with a bonus/flex space above the garage, perfect for a private office or playroom! The updated kitchen is the heart of the home, featuring modern finishes, stainless steel appliances, and a breakfast bar that connects to the main living area. The spacious primary suite provides a relaxing retreat, complete with a charming bay window, built-in seating, and an updated ensuite bathroom featuring dual vessel sinks and a tiled walk-in shower. Upstairs, a versatile bonus space offers endless possibilities for a home office, media room, playroom, fitness space, or hobby room. Outside, the backyard pergola creates the perfect setting for morning coffee, weekend gatherings, or quiet evenings enjoying Florida's year-round sunshine. Recent updates include a roof replacement in 2019, kitchen in 2022, HVAC replacement in 2024, water heater 2025 and interior paint. As a resident of Holley by the Sea, you'll enjoy access to an impressive collection of community amenities, including a beach, boat launch, swimming pools, fitness facility, tennis courts, recreation areas, and more. Conveniently located near Navarre Beach, schools, and mor

Highlights

Listed by Susan Mesa , 404-353-3113 Keller Williams Realty Navarre , 850-515-0250. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.25

Year Built

1994

County

Santa Rosa

Area

11 - Navarre/Gulf Breeze

Neighborhood

Palmetto Ridge/Holley By The Sea

Listing ID

1006390

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Auto Garage Door Opn, Ice Machine, Microwave, Refrigerator, Stove/Oven Electric, Water Heater - Elect
Air Cond:Central Air
Fireplaces:
Floor:Floor Tile,Floor Vinyl
Other:
  • ▪ Additional:Breakfast Bar

Exterior Features

Lot Dimensions:81 x 135
Zoning:Resid Single Family
Others:
  • ▪ Additional:Fenced Back Yard, Yard Building, Patio Open
Sewer:Septic Tank
Principal Interest
$1,983
Taxes
$192

Home Price

$359,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$71,800
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:
$1,983.42

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,983.42 $192.12 $0.00 $2,175.54
Yearly $23,801.08 $2,305.41 $0.00 $26,106.49
Total $714,032.38 $69,162.30 $0.00 $783,194.68

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 Emerald Coast Multiple Listing Services, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-10-07T06:31:40.000Z

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