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Harrison Lilly

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

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1023 N Bay Dr , Lynn Haven, FL 32444
$970,000
Est. Payment: $4,919.66/mo
3 Bed
3 Bath
2512 Sqft
Status: active | Days on site: 35
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Experience waterfront living at its finest on picturesque Mill Bayou, offering deep-water access to the Gulf and an exceptional blend of luxury, comfort, and coastal charm. This beautifully crafted Cape-style residence welcomes you with classic Southern architecture, highlighted by expansive covered porches and impeccably maintained landscaping that create a stunning first impression. A newly added oversized covered parking pavilion provides ample space for multiple vehicles, a large boat, RV, or recreational equipment, while the elegant wraparound driveway enhances both convenience and curb appeal. The professionally landscaped grounds offer a private, estate-like setting that perfectly complements the home's waterfront location. Designed for both everyday living and entertaining, the home features rich bamboo flooring throughout the main living areas, soaring ceilings, and a thoughtfully designed open-concept floor plan. The chef's kitchen is a true centerpiece, showcasing stainless steel appliances, a six-burner gas cooktop, an oversized island with seating, and custom finishes throughout. Adjacent to the kitchen, the spacious butler's pantry and laundry room provide exceptional storage and built-in washer and dryer accommodations. Step outside to your private waterfront retreat where a large covered deck overlooks the tranquil bayou. Entertain guests with ease in the fully equipped outdoor kitchen featuring a Big Green Egg, oversized pergola, and beautifully designed raised garden beds, all while enjoying breathtaking water views. The luxurious primary suite serves as a peaceful sanctuary with serene bayou vistas. The spa-inspired ensuite bath is beautifully appointed with marble finishes, a soaking tub, dual vanities, a separate walk-in shower, and an extraordinary custom walk-in closet with built-in organization systems. A desirable split-bedroom layout offers privacy for family and guests, with two additional bedrooms and a full bath located on the opposite side of the home. A versatile front room can serve as a sophisticated home office, library, or formal dining space. Upstairs, a massive bonus room offers endless possibilities and has been pre-plumbed for a future full bath, making it ideal for a guest suite, media room, or additional living quarters. The spacious backyard provides plenty of room for a custom in-ground pool, allowing you to create the ultimate waterfront oasis. Wake each morning to spectacular sunrises over your private estuary, then spend your evenings cruising by boat to the bay to enjoy unforgettable Gulf Coast sunsets. This is a rare opportunity to own a truly exceptional waterfront property where luxury, lifestyle, and adventure converge.

Highlights

Listed by Ida Hargaray , 850-481-2438 Coldwell Banker Realty , 850-234-6696. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.55

Year Built

2016

County

Bay

Area

02 - Bay County - Central

Neighborhood

College Point

Listing ID

791837

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Appliances:Convection Oven, Gas Cooktop, Tankless Water Heater
Air Cond:Central Air,Ceiling Fan(s),Ductless
Fireplaces:
Other:
  • Additional:Double Vanity, Jetted Tub, Main Level Primary, Soaking Tub, Separate Shower, Walk-In Closet(s), Instant Hot Water

Exterior Features

Lot:Sprinkler System,Paved
Lot Dimensions:100.0 ft x 240.0 ft
Zoning:Resid Single Family
Roof:Metal
Others:
  • Additional:Dock, Fire Pit, Outdoor Kitchen
Parking Features:Circular Driveway,Paved
Principal Interest
$4,920
Taxes
$618

Home Price

$970,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$194,000
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:
$4,919.66

Principal

Taxes

Principal Taxes HOA Total
Monthly $4,919.66 $618.38 $0.00 $5,538.03
Yearly $59,035.88 $7,420.50 $0.00 $66,456.38
Total $1,771,076.51 $222,615.00 $0.00 $1,993,691.51

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 (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