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Harrison Lilly

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

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23 Neptune Dr , Mary Esther, FL 32569
$1,091,000
Est. Payment: $5,533.35/mo
3 Bed
3.5 Bath
2156 Sqft
Status: active | Days on site: 76
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator
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House Description

89 feet of canal frontage opening to a private island and the Intracoastal Waterway. Single-story home, no HOA. 2156 sq ft, 3 bedroom suites, each with an en suite bath and walk-in closet. Two suites face the canal, private island, and Intracoastal. Additional half bath. Professional remodel complete in early 2026. 15 foot vaulted ceilings, 9.5 foot ceilings throughout. Custom finishes and LED lighting. Kitchen: gas appliances, quartz countertops, oversized center island, open concept facing the water. Built with 2x6 construction. No history of flooding. 10x40 screened, under roof back patio, outside deck, laundry/mud room, oversized garage. Professional quotes are available for a Gunite pool, paver patio, dock, and boat lift, priced below what buyers typically expect for this scope of work.
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Highlights

Listed by Christopher Thom , Levin Rinke Realty , 850-916-5050. Pensacola Association of REALTORS®, Inc.

Property Type

Residential
Lot/Acreage
0.42

Year Built

1992

County

Okaloosa

 Neighborhood

Mariners Cove

Listing ID

683868

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:3.5
  • ▪ Full Bathrooms:3
  • ▪ 1/2 Bathrooms:1
Appliances:Tankless Water Heater/Gas, Disposal
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • ▪ Additional:Cathedral Ceiling(s), Ceiling Fan(s), High Ceilings, Vaulted Ceiling(s), Master on Main

Exterior Features

Lot:Cul-De-Sac,Canal Front,Waterfront,Block/Seawall
Lot Dimensions:89 x 190
Garage Capacity:5
Zoning:Res Single
Roof:Metal
Others:
  • ▪ Additional:Balcony, Lawn Pump, Sprinkler, Rain Gutters, Resale
Sewer:Public Sewer
Parking Features:2 Car Garage,Front Entrance,Guest,Oversized,Garage Door Opener

Open House

Upcoming Open Houses
Saturday 2:00 pm - 4:00 pm Aug 22
Sunday 1:00 pm - 3:00 pm Aug 23
Principal Interest
$5,533
Taxes
$696

Home Price

$1,091,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$218,200
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:
$5,533.35

Principal

Taxes

Principal Taxes HOA Total
Monthly $5,533.35 $695.51 $0.00 $6,228.86
Yearly $66,400.15 $8,346.15 $0.00 $74,746.30
Total $1,992,004.61 $250,384.50 $0.00 $2,242,389.11

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 (Mary Esther, 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: 2026-08-20T07:06:24.000Z

© 2026 Pensacola Association of REALTORS®, Inc.