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Harrison Lilly

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

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5101 Hwy 4 , Jay, FL 32565
$710,000
Est. Payment: $3,600.61/mo
4 Bed
4 Bath
3174 Sqft
Status: active | Days on site: 43
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Nestled on nearly 3.5 acres in Jay, this custom-built home offers a peaceful setting with a creek bordering the property and a winding driveway leading to a private homesite. Lovingly cared for by its original owners, the 4-bedroom, 3.5-bath home has been updated with a 2023 roof, two HVAC systems replaced in 2020 and 2023, and a 2024 water heater and is being sold PARTIALLY FURNISHED. Inside, 20-foot cathedral ceilings with exposed cedar beams, floor-to-ceiling windows, hardwood flooring, porcelain tile and a striking stone fireplace with a Buck Stove insert create an impressive main living space. The kitchen features solid wood cabinetry, a center island with breakfast bar, and a pantry, while the adjoining family room includes a built-in entertainment center and direct access to the open deck for easy indoor-outdoor living. The primary suite overlooks the pool and includes a spacious walk-in closet and a unique ensuite bathroom with separate his-and-hers vanities connected by a dual-access pass-through shower. Two additional main-level bedrooms each offer walk-in closets. Upstairs, a loft overlooks the living area and leads to an oversized fourth bedroom featuring cathedral ceilings, attic storage, a large walk-in closet, and an updated bathroom with double vanities and a tiled walk-in shower. Step outside to enjoy the in-ground pool surrounded by composite decking, mature landscaping, and a covered gazebo with an attached storage closet for pool equipment. A dedicated poo l-access bathroom adds convenience for outdoor entertaining. The property also includes a two-car garage with two storage rooms, a one-car carport with attached storage, Vacuflo central vacuum, an Aquasana whole-house water filtration system, a security system, and an irrigation system supplied by a private well. With wooded privacy, open space, and room to expand, this property offers the flexibility to enjoy country living while still having every modern convenience.

Highlights

Listed by Travis Talley , 850-490-1519 Keller Williams Realty Gulf Coast , 850-916-5800. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
3.5

Year Built

1987

County

Santa Rosa

Area

10 - North Santa Rosa County

Neighborhood

No Recorded Subdivision

Listing ID

1006809

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:4
  • Full Bathrooms:3
  • 1/2 Bathrooms:1
Appliances:Auto Garage Door Opn, Central Vacuum, Dishwasher, Dryer, Microwave, Refrigerator, Security System, Smooth Stovetop Rnge, Stove/Oven Electric, Washer
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Hardwood,Floor Tile,Floor Vinyl
Other:
  • Additional:Breakfast Bar, Built-In Bookcases, Ceiling Beamed, Ceiling Cathedral, Ceiling Crwn Molding, Ceiling Raised, Fireplace, Kitchen Island, Pantry, Shelving, Washer/Dryer Hookup

Exterior Features

Lot:Addl Land Available,Aerials/Topo Availbl,Interior,Creek
Lot Dimensions:498 x 278 x 497 x 273
Zoning:Horses Allowed, Resid Single Family
Others:
  • Additional:Rain Gutter, Pool - Vinyl Liner, Sprinkler System, Deck Open
Sewer:Septic Tank
Parking Features:Boat,Carport Attached,Covered,RV
Principal Interest
$3,601
Taxes
$453

Home Price

$710,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$142,000
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:
$3,600.61

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,600.61 $452.63 $0.00 $4,053.24
Yearly $43,207.34 $5,431.50 $0.00 $48,638.84
Total $1,296,220.33 $162,945.00 $0.00 $1,459,165.33

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

6%

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Market insight data is pulled from the same city as the listing being viewed (Jay, 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: 2026-08-20T06:32:47.000Z

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