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Harrison Lilly Team

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

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102 St Charles St , Mexico Beach, FL 32456
$505,900
Est. Payment: $2,795.02/mo
3 Bed
2 Bath
1583 Sqft
0.17 Acres
Status: Active Under Contract | Days on site: 282
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BPREG - B2532,B3143
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Harrison Lilly Team
Owner/Operator

House Description

CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS' must be placed at the beginning of the Public Remarks. Welcome to 102 St. Charles Lane, a thoughtfully designed and impeccably cared-for home located in the desirable Casuna neighborhood of Mexico Beach. Built in 2021 and situated in the sought-after X flood zone, this 3-bedroom, 2-bath residence offers the perfect balance of modern construction, coastal charm, and low-maintenance living. From the moment you arrive, the enlarged front porch, metal roof, and durable Hardie-board siding set the tone for quality and curb appeal. Inside, the home feels fresh and inviting with luxury vinyl plank flooring, granite countertops, and a well-appointed kitchen featuring stainless steel appliances, including a gas range--ideal for both everyday living and entertaining. The layout is functional yet comfortable, designed to live well year-round. A tankless gas water heater provides endless hot water, while the spacious two-car garage with epoxy flooring adds both style and practicality. Outside, the fully landscaped yard, paver driveway, and full sprinkler system make upkeep easy, allowing you more time to enjoy the coastal lifestyle. Residents of Casuna appreciate the peaceful neighborhood atmosphere, friendly community feel, and access to amenities such as a community pool and clubhouse. Best of all, you're just a short golf cart ride from the beach, local shops, and restaurants. This move-in-ready home is ideal for full-time living and offers a quiet, well-kept setting with pride of ownership throughout. With no short-term rentals allowed, Casuna maintains a true neighborhood feel--making this home an excellent opportunity to enjoy coastal living with comfort, quality, and community at the forefront.

Highlights

Listed by Heather L Thompson , 850-247-2173 Beach Properties Real Estate , 850-227-2500. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.17

HOA Fee

900 Annually

Year Built

2021

County

Bay

Area

05 - Bay County - East

Neighborhood

Casuna

Listing ID

782975

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Gas Oven, Tankless Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • ▪ Additional:Double Vanity, Main Level Primary, Walk-In Closet(s)

Exterior Features

Lot:Sprinkler System,Paved
Lot Dimensions:75x100
Zoning:City, Resid Single Family
Roof:Metal
Sewer:Public Sewer,Sewer Tap Paid
Parking Features:Additional Parking
Principal Interest
$2,795
Taxes
$557
HOA
$900

Home Price

$505,900

Loan Details

30 yrs
7.374%

Down Payment

20%
$101,180
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:
$2,795.02

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,795.02 $557.00 $900.00 $4,252.02
Yearly $33,540.30 $6,684.00 $10,800.00 $51,024.30
Total $1,006,208.87 $200,520.00 $324,000.00 $1,530,728.87

Today's Rates

30 Year

7.37%

20 Year

7.27%

15 Year

6.8%

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Market insight data is pulled from the same city as the listing being viewed (Mexico Beach, 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: 2026-10-07T08:26:25.000Z

© 2026 Bay County Association of REALTORS