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Harrison Lilly

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

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107 Circle Dr , Mexico Beach, FL 32456
$1,990,000
Est. Payment: $10,092.90/mo
4 Bed
3 Bath
3368 Sqft
Status: active | Days on site: 55
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

A custom-built, single-family residence located on the coveted beachside of Hwy 98 in Mexico Beach. This thoughtfully designed home has 4 generously sized bedrooms, 3-bath at approximately 3,368 square feet of living space, about 300 steps from the sugar-white sand and emerald waters of the Gulf. Designed for both full-time living and a low-maintenance beach retreat, the home features multiple living areas ideal for relaxing, entertaining, or working remotely. The efficient floor plan balances privacy and connection, while abundant natural light and Gulf views from many rooms enhance the home's beachside setting. The beautifully appointed kitchen features custom wood cabinetry and Frigidaire Gallery appliances, large laundry room with custom wood cabinetry. Single Family Residences are hard to find that are steps from the beach and minutes from the marina and are in Flood Zone X! This custom-built 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. Located on desirable Circle Drive in Mexico Beach positioned on one of the few quiet streets, this home is conveniently located removed from Highway 98 and still tucked away from road noise. Perfectly situated behind the marina, it offers peace, privacy, and that relaxed beachside feeling -- a true slice of coastal heaven. While short-term rentals are permitted, the area maintains a quieter coastal atmosphere that appeals to full-time residents, second-home owners, and vacation buyers alike. This home offers enhanced storm resilience, covered parking, and dedicated storage areas. Built to current Florida coastal construction standards, the property also features impact-rated windows and sliding glass doors, elevated construction, a durable coastal-grade roof, covered parking with a garage door for golf cart storage, an outdoor shower, and convenient storage for beach and boating essentials. Inside, the home features custom hardwood cabinetry in the kitchen and laundry room, along with upgraded closet systems throughout. Energy Star-rated systems and a tankless hot water heater with an instant recirculating hot water pump provide energy efficiency and near-instant hot water throughout the home. Positioned on one of the few streets in Mexico Beach that is not a straight front-to-back roadway, the property offers added ease for maneuvering boats, trailers, and golf carts. For all boaters out there, the City of Mexico Beach owns and rents out the Canal slips down the street. These slips are 12 feet wide, fitting almost all fishing boats, including boats with upper stations and towers. Call today! Mexico Beach is beloved 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. The vibe is less "tourist hotspot" and more "coastal escape," where mornings begin with beach walks, afternoons are spent boating or fishing, and sunsets become part of your daily routine. Families, second-home owners, and vacation renters are drawn here for the slower pace, beautiful beaches, and strong sense of community. Conveniently located, Mexico Beach also offers easy access to Port St. Joe, Panama City, for dining, shopping, entertainment, and travel convenience. Square footage does not include the additional 430 sq. ft. heated and cooled entry mudroom/flex space. This versatile area could serve as a game room, kids' hangout, sectional lounge, home gym, or golf cart garage. DISCLOSURE: Digital photography and staging have been used to showcase a possibilities of a pool, landscaping, and interiors. Mattresses are not included. Pool design is also available, offering the opportunity to further elevate this exceptional coastal property.

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

2026

County

Bay

Area

05 - Bay County - East

Neighborhood

No Named Subdivision

Listing ID

790240

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:3
  • Full Bathrooms:3
Appliances:Bar Fridge, ENERGY STAR Qualified Appliances, Gas Cooktop, Gas Oven, Gas Range, Gas Water Heater, Tankless Water Heater
Air Cond:Central Air,ENERGY STAR Qualified Equipment,Heat Pump
Fireplaces:Electric
Other:
  • Additional:Balcony, Double Vanity, Fireplace, Interior Steps, Bath in Primary Bedroom, Sitting Area in Primary, Soaking Tub, Separate Shower, Upper Level Primary, Walk-In Closet(s)

Exterior Features

Lot:Sprinkler System,Paved
Lot Dimensions:75 x 95
Zoning:Resid Single Family
Roof:Metal
Others:
  • Additional:Covered Patio, Outdoor Shower
Parking Features:Additional Parking,Paved
Principal Interest
$10,093
Taxes
$517

Home Price

$1,990,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$398,000
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:
$10,092.90

Principal

Taxes

Principal Taxes HOA Total
Monthly $10,092.90 $517.08 $0.00 $10,609.99
Yearly $121,114.85 $6,205.00 $0.00 $127,319.85
Total $3,633,445.63 $186,150.00 $0.00 $3,819,595.63

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