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Harrison Lilly

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

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5845 Hwy 4 , Jay, FL 32565
$145,000
Est. Payment: $735.34/mo
2 Bed
1 Bath
891 Sqft
Status: pending | Days on site: 25
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

There are some places that simply make you slow down... and this is one of them. Tucked beneath a canopy of towering oak trees on approximately 4.5 beautiful acres, this charming 2-bedroom, 1-bath cottage feels like it was pulled straight from the pages of a storybook. From the moment you pull into the driveway, you're greeted by a setting that's becoming harder and harder to find—peaceful, private, and full of possibility. The yard is truly the star of the show. Mature shade trees, wide open green space, room for gardens, chickens, fruit trees, a workshop, or even your dream home someday... it's a blank canvas waiting for someone with imagination. Whether you're searching for a weekend retreat, an investment opportunity, a place to renovate, or the perfect homesite while enjoying the existing home, the possibilities here are endless. Inside, the home is filled with character you simply can't recreate today. Original hardwood floors, beautiful crown molding, oversized baseboards, detailed door trim, and natural light pouring through the windows create a warm, inviting feeling throughout. The kitchen is full of vintage charm, complete with a farmhouse-style sink that's sure to steal your heart. Two gas heaters provide warmth during the winter months, while the home is ready for someone to add central air and make it their own. Step onto the screened front porch with its classic brick flooring, settle into a rocking chair, and enjoy evenings watching the sun disappear behind the trees. A single carport, attached storage room, and utility room off the back porch add practical space to this already special property. Being sold AS-IS and priced to sell, this is the kind of property that rarely comes along in such a desirable area. Whether you restore its timeless charm, build your forever home among the oaks, or create an incredible investment, this little storybook property is ready for its next chapter.

Highlights

Listed by Taylor Helton Lee , 251-294-2060 PHD Real Estate, LLC , 251-368-1063. Pensacola Association of REALTORS®, Inc.

Property Type

Residential

Lot/Acreage
4.5

Year Built

1948

County

Santa Rosa

Neighborhood

None

Listing ID

685661

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:1
  • Full Bathrooms:1
Appliances:Electric Water Heater
Floor:Hardwood,Vinyl
Other:
  • Additional:Baseboards, Master on Main
Water:Public

Exterior Features

Lot:Central Access
Garage Capacity:1
Zoning:Agricultural,County,Horses Allowed
Roof:Composition,Metal
Others:
  • Additional:Resale
Sewer:Septic Tank
Parking Features:Carport,Front Entrance,Guest
Principal Interest
$735
Taxes
$92

Home Price

$145,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$29,000
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:
$735.34

Principal

Taxes

Principal Taxes HOA Total
Monthly $735.34 $92.44 $0.00 $827.77
Yearly $8,824.04 $1,109.25 $0.00 $9,933.29
Total $264,721.05 $33,277.50 $0.00 $297,998.55

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.