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Harrison Lilly

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

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4520 Misty Ln , Lynn Haven, FL 32444
$699,900
Est. Payment: $3,549.39/mo
4 Bed
4 Bath
2454 Sqft
Status: active | Days on site: 171
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Just reduced!!!!!Welcome to your waterfront dream home on highly desirable North Bay! This remarkable canal-front property offers the ultimate coastal lifestyle with direct access to the water, a private inground pool, and a 12,000 lb. boat lift designed extra wide to accommodate a boat up to 30 feet. From your backyard, enjoy just a short boat ride to the open waters of the bay and the Gulf, perfect for fishing, cruising, or sunset rides. The private dock is thoughtfully equipped with a fish cleaning station and convenient stairs leading directly into the water, making it ideal for boaters and water enthusiasts alike. Prefer to store your boat out of the water? A separate on-site boat/trailer parking pad provides added flexibility and convenience. This beautifully updated 4-bedroom, 4-bath home has been completely renovated over the past few years, with an effective year built of 2020, and still shows like new. In February 2026, the downstairs flooring was replaced with durable luxury vinyl plank (LVP). There is no tile or carpet anywhere in the home, offering a seamless, modern look throughout. The kitchen is a true centerpiece, featuring newer cabinetry, granite countertops, a large island perfect for gathering, and a unique tile backsplash that complements the home's theme. The spacious dining and living areas provide plenty of room for all your furnishings and open through French doors to a private patio overlooking the stunning backyard and canal views. The first floor offers a well-designed layout with a large primary suite and private bath, an additional bedroom, two more full bathrooms, and a conveniently located laundry room. Upstairs, you'll find two additional bedrooms and another full bath. The rear upstairs bedroom enjoys beautiful water views, while the front bedroom features a private balcony, perfect for morning coffee in peaceful privacy. Designed for entertaining, this home offers multiple indoor and outdoor spaces to host family and friends. The interior has been freshly painted in recent years in a neutral palette that blends beautifully with the updated flooring. Step outside to a fully fenced backyard complete with a utility shed for additional storage. Major improvements over the last five years include a stunning red metal roof, water heater, two air conditioning units, and pool pump, providing peace of mind for years to come. The oversized garage offers abundant storage space, while the home's well and septic system, paired with a water softener, help minimize utility expenses. Additional value: The seller had professional plans drawn to extend the back porch. These plans are included with the sale and have been uploaded to the MLS, offering even more potential to customize your outdoor living space. This is truly one of those homes you must see in person to fully appreciate the thoughtful layout, upgrades, and waterfront lifestyle it offers. Contact your Realtor® today to schedule a private showing before your dream of owning a piece of paradise becomes someone else's reality. Age, schools, square footage, room dimensions, taxes, or any information contained in this MLS listing must be verified by the buyer via personal or professional inspection if important.

Highlights

Listed by Cindy K Chavira , 850-867-0506 Own It Real Estate LLC , 850-867-0506. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.4

Year Built

1981

County

Bay

Area

02 - Bay County - Central

Neighborhood

Baywood Shores Est Unit 4

Listing ID

785918

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:4
  • Full Bathrooms:4
Appliances:Electric Range, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s),Multi Units
Fireplaces:
Other:
  • Additional:Double Vanity, Interior Steps, Main Level Primary, Tub Shower, Walk-In Closet(s)

Exterior Features

Lot:Sprinkler System
Lot Dimensions:110x160
Roof:Metal
Others:
  • Additional:Boat Lift, Deck, Dock
Parking Features:Garage,Garage Door Opener
Principal Interest
$3,549
Taxes
$535

Home Price

$699,900

Loan Details

30 yrs
6.528%

Down Payment

20%
$139,980
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:
$3,549.39

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,549.39 $535.00 $0.00 $4,084.39
Yearly $42,592.70 $6,420.00 $0.00 $49,012.70
Total $1,277,781.14 $192,600.00 $0.00 $1,470,381.14

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 (Lynn Haven, 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 Bay County Association of REALTORS, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-08-20T06:33:19.000Z

© 2026 Bay County Association of REALTORS