Agent profile image in chat bubble
Agent profile image in chat header

Harrison Lilly Team

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

Agent profile image in message

105 Circle Dr , Mexico Beach, FL 32456
$1,299,000
Est. Payment: $7,176.79/mo
5 Bed
3 Bath
2912 Sqft
0.15 Acres
Status: Active | Days on site: 124
Get Pre-Qualified
HNR1 - B12632
By proceeding and clicking the sign up button, you consent to receive calls and texts (SMS/MMS) including marketing and promotional communications, from Harrison Lilly Team, its affiliates, and agents or vendors acting on their behalf. These communications may be delivered using an automatic telephone dialing system or by using an artificial or prerecorded voice. Message and data rates may apply. To opt out of text messages, reply STOP. Your consent is not required as a condition of any purchase. By continuing, you also agree to our Terms of Use and Privacy Policy.
Agent profile image
Harrison Lilly Team
Owner/Operator

House Description

Single Family Home, Ask About the Boat and the Boat Slip Credit, Great location, BEACHSIDE OF HWY 98 + GULF VIEWS + just STEPS TO THE BEACH + MOMENTS FROM THE MARINA! Never rented and used only as a second home, this beautifully upgraded custom finished 2022 Affinity Home offers 5 bedrooms, 3 bathrooms, two wrap around expansive Decks, NO HOA, and an exceptional Mexico Beach location for beach lovers, boaters, anglers, second-home buyers, or investors, 1031 Exchange. Enjoy GULF VIEWS from TWO EXPANSIVE DECKS and easy access to the sugar-white sand and emerald waters of the Gulf. Positioned beachside of Hwy 98 and tucked behind the Mexico Beach Marina, 105 Circle Drive combines beach access and boating convenience with the privacy of one of the area's quieter streets, away from Hwy 98 road noise. Offered FULLY FURNISHED--down to linens and kitchenware--and thoughtfully stocked to host many guests, this home is truly TURNKEY for immediate personal use, entertaining, or short-term rental. The efficient floor plan provides inviting gathering spaces while maintaining privacy for family and guests. Inside, you'll find 9-foot ceilings, crown molding, a bright coastal interior, Samsung kitchen appliances, and Samsung washer and dryer. A generously sized laundry room, Energy Star-rated systems, and tankless hot water heater with an instant recirculating pump provide added efficiency and near-instant hot water throughout the home. Generous covered space for PARKING, STORAGE, BEACH GEAR, GOLF CARTS, BOATS, RVs and more. This expansive outdoor area becomes another gathering space for cornhole, ping pong, yard games, coolers, casual seating, and post-beach entertaining. An 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, 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. BOATERS & ANGLERS: The Mexico Beach boat slips and boat ramp are just moments away. The City of Mexico Beach owns and rents nearby canal slips by the day, week, month, or year. The 12-foot-wide slips accommodate many fishing boats, including boats with upper stations and towers. This custom-finished SINGLE-FAMILY HOME offers what many coastal buyers are searching for: NO SHARED WALLS, NO ATTACHED NEIGHBORS and NO HOA FEES. Circle Drive is one of Mexico Beach's quieter streets and one of the few that is not a straight front-to-back roadway, providing added ease for maneuvering boats, trailers, and golf carts. SHORT-TERM RENTALS ARE PERMITTED, while the area retains a quieter atmosphere appealing to full-time residents, second-home owners, and vacation buyers alike. Mexico Beach is known for sugar-white sand, emerald water, boating, fishing, and laid-back ''Old Florida'' charm--without the crowds, high-rises, and heavy traffic of larger beach destinations. Port St. Joe and Panama City are also within easy reach for dining, shopping, entertainment, and travel convenience. 105 CIRCLE DRIVE delivers a rare combination of GULF VIEWS, BEACH ACCESS, MARINA & BOATING CONVENIENCE, 1,500+ SQ. FT. OF DECK SPACE, TURNKEY FURNISHINGS, RENTAL POTENTIAL, NO HOA and the relaxed Mexico Beach lifestyle.

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?

Contact Agent

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:
Floor:Plank,Vinyl
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
$7,177
Taxes
$1,280

Home Price

$1,299,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$259,800
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:
$7,176.79

Principal

Taxes

Principal Taxes HOA Total
Monthly $7,176.79 $1,279.58 $0.00 $8,456.37
Yearly $86,121.45 $15,355.00 $0.00 $101,476.45
Total $2,583,643.64 $460,650.00 $0.00 $3,044,293.64

Today's Rates

30 Year

7.37%

20 Year

7.27%

15 Year

6.8%

Never Miss a Property

Be the first to know when a property hits the market.

Current Listings

Last 30 Days
N/A
Oct 2026

Average Price

All Price Ranges
N/A
Oct 2026

Average Days on Market

All Price Ranges
N/A
Oct 2026
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: 2026-10-07T08:07:44.000Z

© 2026 Bay County Association of REALTORS