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Harrison Lilly

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

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2610 Hwy 4 , Jay, FL 32565
$3,500,000
Est. Payment: $17,749.50/mo
0 Bed
0 Bath
0 Sqft
Status: active | Days on site: 393
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Jay, FL - 320.545+/- Acres on Escambia River – Outdoor Recreation Meets RV Potential - Located in sought-after Santa Rosa County, large waterfront tract offers 1,604 feet on the Escambia River, plus frontage on 3 lakes - a rare blend of outdoor adventure, income potential, and waterfront beauty. Already in place: *6 completed RV pads with power, water well, 1 septic tank, partial natural gas, and dump station. *Infrastructure potential for up to 100 RV sites. *2 structures moved onto property: 24x36 pole barn & bathroom facility. *16x24 gazebo by the river *24x38 church building *16x16 cabin *24x32 school building *3 boat ramps to lakes and 1 to the river *Dry camping areas. *Improved internal roads lead to scenic homesite options near the lakes and river. *Permitted year-round roads to six-acre hayfield pasture with culvert. Utilities: *190 3hp well. *Electrical service through EREC. *High-Speed Fiber internet from Uniti Fiber on Hwy 4 and John Lowery Rd. *City water on John Lowery Rd through Moore Creek/Mount Carmel. *Natural Gas on John Lowery Rd. Outdoor enthusiasts will appreciate the river’s sandbar. Plus, enjoy a mix of pine and hardwoods ideal for deer, duck, turkey, and other small game hunting, along with excellent fishing—bluegill, shellcracker, bream, bass, and speckled trout. The Escambia River flows from South Alabama into Escambia Bay, eventually reaching the Gulf of Mexico—making this a uniquely positioned recreational tract. Road access includes 1,400 ft of paved frontage on John Lowery Rd (county-maintained) and an easement off Hwy 4. The property is positioned just south of the Alabama state line—between the towns of Jay and Century—and only 37 miles north of Pensacola and 20 miles north of Pace. There are recorded covenants and restrictions. Whether you're envisioning an outdoor retreat, full-scale RV campground, event venue, or private getaway, the groundwork is in place for multiple development paths.

Highlights

Listed by Patty Helton Davis , 251-294-2057 and Brett Helton , 251-359-4533 PHD Real Estate, LLC , 251-368-1063. Pensacola Association of REALTORS®, Inc.

Property Type

Vacant Land

Lot/Acreage
320.54

County

Santa Rosa

Neighborhood

None

Listing ID

668224

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:0
  • Bathrooms:0
  • Full Bathrooms:
Water:Private

Exterior Features

Lot:Wooded,Central Access,Interior Lot,Lake,River Front,Waterfront,Beach Access
Zoning:Agricultural,Commercial,County,Deed Restrictions,Horses Allowed,Industrial,No Mobile Homes,Res Multi,Res Single
Others:
  • Additional:Boat Slip, Dock
Sewer:See Remarks
Principal Interest
$17,749
Taxes
$2,231

Home Price

$3,500,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$700,000
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:
$17,749.50

Principal

Taxes

Principal Taxes HOA Total
Monthly $17,749.50 $2,231.25 $0.00 $19,980.75
Yearly $212,993.95 $26,775.00 $0.00 $239,768.95
Total $6,389,818.53 $803,250.00 $0.00 $7,193,068.53

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 Pensacola Association of REALTORS®, Inc., and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-08-20T05:37:29.000Z

© 2026 Pensacola Association of REALTORS®, Inc.