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Harrison Lilly

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

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105 Circle Dr , Mexico Beach, FL 32456
$1,499,000
Est. Payment: $7,602.65/mo
5 Bed
3 Bath
2912 Sqft
Status: active | Days on site: 48
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Single-family home built in 2022, built by Affinity with many custom upgrades inside and out. Located on the desirable beachside of Hwy 98 in Mexico Beach. This beautifully designed coastal retreat offers 5 bedrooms, 3 bathrooms, and is positioned approximately 300 steps from the sugar-white sand and emerald waters of the Gulf. Designed for both personal enjoyment and strong guest appeal, the home is being offered fully furnished (down to linens and kitchenware) and thoughtfully stocked to host many guests, Turn-Key, rental or hosting ready. The efficient floor plan provides comfortable gathering spaces, privacy for guests, and an easy, low-maintenance beach lifestyle. Inside, you'll find 9-foot ceilings, crown molding, and a bright coastal feel throughout. The kitchen features Samsung appliances, and the Samsung washer and dryer convey with the purchase, making this a truly Turnkey opportunity. The home also features a generously sized laundry room, Energy Star-rated systems, and a tankless hot water heater with an instant recirculating pump for energy efficiency and near-instant hot water throughout the home. Two levels of expansive decks offer beautiful Gulf views and create the perfect setting for morning coffee, evening breezes, and relaxing after a day at the beach. Below the home, generous covered space provides parking, storage, and room for beach gear, golf carts, boats, RVs, and more. This lower-level outdoor area extends the fun beyond the walls of the home and is ideal for cornhole, ping pong, yard games, coolers, casual seating, and post-beach gatherings. The outdoor shower makes rinsing off after the Gulf easy and convenient. Built to current Florida coastal construction standards, the property features impact-rated windows and sliding glass doors, elevated construction, a durable coastal-grade roof, covered parking, outdoor shower, and convenient storage for beach and boating essentials. The home is located in the X Flood Zone and offers enhanced storm resilience. Located just moments from the Mexico Beach boat slips and boat ramp, 105 Circle Drive offers the ideal combination of beach access, boating convenience, rental potential, and coastal comfort. The City of Mexico Beach owns and rents canal slips nearby by the day, week, month, or year. These 12-foot-wide slips accommodate many fishing boats, including boats with upper stations and towers. This custom-finished, single-family residence offers the privacy and flexibility today's coastal buyers are looking for -- no shared walls, no attached neighboring homes, and no HOA fees. Circle Drive is one of the quieter streets in Mexico Beach, tucked away from Hwy 98 road noise and perfectly positioned behind the marina for peace, privacy, and a relaxed beachside feel with over 1500 square feet of deck. Short-term rentals are permitted, yet the area maintains a quieter coastal atmosphere that appeals to full-time residents, second-home owners, and vacation buyers alike. Positioned on one of the few streets in Mexico Beach that is not a straight front-to-back roadway, the property also offers added ease for maneuvering boats, trailers, and golf carts. Mexico Beach is loved for its sugar-white sand, emerald water, and laid-back ''Old Florida'' charm without the crowds, high-rises, or heavy traffic found in larger beach destinations. Families, second-home owners, and vacation renters are drawn here for the slower pace, beautiful beaches, boating, fishing, and strong sense of community. Conveniently located, Mexico Beach also offers easy access to Port St. Joe and Panama City for dining, shopping, entertainment, and travel convenience.

Highlights

Listed by Sharon F Smith , 850-247-2319 Corcoran Reverie , 850-231-5030. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.15

Year Built

2022

County

Bay

Area

05 - Bay County - East

Neighborhood

No Named Subdivision

Listing ID

790505

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:5
  • Bathrooms:3
  • Full Bathrooms:3
Appliances:Bar Fridge, ENERGY STAR Qualified Appliances, Gas Oven, Gas Range, Gas Water Heater, Tankless Water Heater
Air Cond:Central Air,ENERGY STAR Qualified Equipment
Fireplaces:
Other:
  • Additional:Sitting Area in Primary, Shower Only, Smart Thermostat, Upper Level Primary, Storage

Exterior Features

Lot:Sprinkler System,Paved
Lot Dimensions:75 x 90
Zoning:Resid Single Family
Roof:Metal
Others:
  • Additional:Covered Patio, Outdoor Shower
Sewer:Public Sewer
Principal Interest
$7,603
Taxes
$1,280

Home Price

$1,499,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$299,800
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:
$7,602.65

Principal

Taxes

Principal Taxes HOA Total
Monthly $7,602.65 $1,279.58 $0.00 $8,882.23
Yearly $91,231.74 $15,355.00 $0.00 $106,586.74
Total $2,736,952.26 $460,650.00 $0.00 $3,197,602.26

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 (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: 2026-08-20T06:33:19.000Z

© 2026 Bay County Association of REALTORS