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Harrison Lilly Team

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

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3865 Paradise Bay , Gulf Breeze, FL 32563
$520,000
Est. Payment: $2,872.93/mo
3 Bed
3 Bath
2182 Sqft
0.5 Acres
Status: Active | Days on site: 24
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MSP001 - 17069
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

WELCOME TO PARADISE BAY! Coastal living meets comfort and convenience in this beautifully maintained 3-bedroom, 3-bath Gulf Breeze home, ideally located just across the street from the bay. Step inside to an inviting open floor plan with spacious bedrooms, three full bathrooms, and a bright Florida room that offers the perfect spot for morning coffee, relaxing, or entertaining. The home has been thoughtfully updated, including a new ROOF in 2024 and new HVAC in 2024, plus a 2020 water heater for added peace of mind. Outside is where this property really shines. The beautifully landscaped yard and brand-new deck with pergola create the perfect setting for grilling, entertaining, or simply enjoying the Florida sunshine. An extended driveway provides plenty of room for your boat or additional vehicles, making this home an ideal fit for those who love the water. A carport with a wood gate, backyard shed, and sprinkler system add even more convenience. And the location is hard to beat. Enjoy the coastal lifestyle with the bay just across the street, plus access to a neighborhood waterfront park where you can relax and take in the beautiful surroundings. You're also conveniently located near Gulf Breeze schools, Pensacola Beach, Navarre Beach, shopping, dining, and more. Updated, spacious, beautifully maintained, and ready to enjoy — welcome home to Paradise Bay!
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Highlights

Listed by Terri Steck , 850-345-0297 Better Homes And Gardens Real Estate Main Street Properties , 850-912-4123. Pensacola Association of REALTORS®, Inc.

Property Type

Residential
Lot/Acreage
0.5

HOA Fee

57 Annually

Year Built

1996

County

Santa Rosa

 Neighborhood

Paradise Bay

Listing ID

688912

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:Gas Water Heater, Microwave
Air Cond:Central Air
Fireplaces:
Other:
  • ▪ Additional:Sun Room, Master on Main
Water:Public

Exterior Features

Lot:Interior Lot
Garage Capacity:6
Zoning:City
Roof:Shingle
Others:
  • ▪ Additional:Sprinkler, Resale
Sewer:Septic Tank
Parking Features:Carport,2 Car Garage,Boat,Garage Door Opener
Principal Interest
$2,873
Taxes
$332
HOA
$57

Home Price

$520,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$104,000
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:
$2,872.93

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,872.93 $331.50 $57.00 $3,261.43
Yearly $34,475.10 $3,978.00 $684.00 $39,137.10
Total $1,034,253.04 $119,340.00 $20,520.00 $1,174,113.04

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: 2026-10-06T23:44:11.000Z

© 2026 Pensacola Association of REALTORS®, Inc.