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Harrison Lilly

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

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93 N Emerald Cove Ln , Inlet Beach, FL 32461
$3,190,000
Est. Payment: $16,179.08/mo
5 Bed
4 Bath
2794 Sqft
Status: active | Days on site: 171
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Harrison Lilly
Owner/Operator

House Description

FABULOUS OCEAN VIEW! 175 FEET OF PRISTINE BEACHFRONT SHARED BY ONLY 14 HOMEOWNERS — NO CUSTOMARY USE ISSUES! This rare opportunity awaits at 93 Emerald Cove Lane, an exclusive coastal retreat in Inlet Beach with direct gated, deeded private beach access just one tier off the Gulf. Tucked inside a boutique HOA south of Highway 98/30A and less than a mile to Rosemary Beach (via convenient back roads), this 5-bedroom, 3.5-bath home blends luxury, strength, and effortless beachside living. On the first floor, you'll immediately feel at home with light gray wood-tile flooring, soft blue shiplap accents, and an elevator that travels to all levels. This floor also includes a spacious guest suite with a fully remodeled bath featuring quartz countertops and custom tilework. The shiplap continues up the stairways to the second floor, home to three bedrooms including the true master retreat with a private lookout balcony and pristine Gulf views. The master showcases a wood accent wall, a Pecky Cypress barn door, a spa-like bath, and a fully built-out walk-in closet. Another full bath on this level continues the elegant coastal palette of blues, whites, and grays. On the third floor, a light-filled open living space seamlessly connects the kitchen, dining, and living areas. Enjoy a gas fireplace, a cozy sitting room with French doors, and a redesigned chef's kitchen with stainless steel appliances. Step outside to the expansive balcony, perfectly positioned for breathtaking Gulf sunsets. This level also features an additional guest bedroom. Forever-protected Gulf views stretch west over the state preserve, while the community pool is just steps away and rarely crowded. Built with ICF construction, this home is up to 10 times stronger and significantly more energy efficient than traditional builds. Additional upgrades include a backyard fenced patio, driveway pavers, and a refinished oversized garage with parking for 3-4 cars plus space for 3 more outside. Ideally located in Inlet Beach, just east of Rosemary Beach and minutes from the boutiques and dining of 30 Avenue, this immaculate home is in like-new condition and would make a perfect full-time residence, second home, or investment property. Don't miss this rare chance to experience the very best of coastal luxury living along 30A.

Highlights

Listed by Paige L Peterson , 850-259-0643 and Jennifer Bond , 850-867-9317 Compass , 850-296-9769. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.08

HOA Fee

1400 Annually

Year Built

2013

County

Walton

Area

18 - 30A East

Neighborhood

Cottages At Inlet Beach

Listing ID

984728

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:5
  • Bathrooms:4
  • Full Bathrooms:3
  • 1/2 Bathrooms:1
Appliances:Auto Garage Door Opn, Cooktop, Dishwasher, Disposal, Dryer, Freezer, Microwave, Oven Self Cleaning, Refrigerator, Refrigerator W/IceMk, Smoke Detector, Stove/Oven Gas, Washer, Wine Refrigerator, Water Heater - Elect
Air Cond:Ceiling Fans
Fireplaces:Fireplace Gas
Floor:Floor Vinyl
Other:
  • Additional:Ceiling Crwn Molding, Elevator, Kitchen Island, Lighting Recessed, Owner's Closet, Washer/Dryer Hookup, Wet Bar

Exterior Features

Lot:Covenants,Within 1/2 Mile to Water
Lot Dimensions:40x93
Zoning:Resid Single Family
Others:
  • Additional:Balcony, Shower, Sprinkler System, Patio Covered, Patio Open, Fenced Lot-Part, Fenced Privacy
Sewer:Public Sewer
Parking Features:Garage,Oversized
Principal Interest
$16,179
Taxes
$2,065
HOA
$1,400

Home Price

$3,190,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$638,000
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:
$16,179.08

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $16,179.08 $2,065.11 $1,400.00 $19,644.19
Yearly $194,148.94 $24,781.37 $16,800.00 $235,730.31
Total $5,824,468.12 $743,441.10 $504,000.00 $7,071,909.22

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 (Inlet Beach, 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: 2026-08-20T07:16:22.000Z

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