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Harrison Lilly Team

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

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3932 Plantation Cove Ct , Milton, FL 32583
$875,000
Est. Payment: $4,834.25/mo
3 Bed
2 Bath
2353 Sqft
0.4 Acres
Status: Contingent | Days on site: 72
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Harrison Lilly Team
Owner/Operator

House Description

On Water for $875,000! Waterfront living at its finest in prestigious Bay Pointe Plantation. This well-maintained 3-bedroom, 2-bath home plus a designated office offers breathtaking water views from the moment you enter, with panoramic views from the living areas, kitchen, and private primary suite. The open, light-filled floor plan features a spacious living room with fireplace and custom built-ins, electric blinds in the living room and primary suite, an eat-in kitchen, and formal dining area—all designed to showcase the stunning waterfront setting. The primary suite is a peaceful retreat with beautiful water views, a large walk-in closet, and spacious bath with water closet and bidet. Step outside to your private waterfront oasis. A generous over-sized covered patio with a swing overlooks the water, inviting you to relax and unwind from sunrise to sunset. Follow the brick walkway to your private dock, complete with an electric boat lift and seating making it effortless to spend the day cruising, fishing, or simply enjoying life on the water. Additional highlights include a dedicated office, new flooring, fresh interior paint, irrigation system, gutters, and beautifully maintained grounds. The sale also includes a 4,583-square-foot lot directly across the street, offering exceptional added value and a place to park your boat trailer. Located in sought-after Bay Pointe Plantation, this is a rare opportunity to own an exceptional waterfront home with an additional lot. Flood zone X so NO flood insurance is needed. Current home owners insurance is $3,662.90 Roof/2021, HVAC/2019, Water heater 2025

Highlights

Listed by Elaine Hayward , Avenue Realty , 850-549-9456. Pensacola Association of REALTORS®, Inc.

Property Type

Residential

Lot/Acreage
0.4

HOA Fee

1125 Annually

Year Built

2001

County

Santa Rosa

Neighborhood

Bay Pointe Plantation

Listing ID

686551

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Electric Water Heater, Dryer, Washer, Built In Microwave, Dishwasher, Disposal, Microwave, Refrigerator, Self Cleaning Oven, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Dryer, ENERGY STAR Qualified Refrigerator, ENERGY STAR Qualified Appliances, ENERGY STAR Qualified Washer, ENERGY STAR Qualified Water Heater
Air Cond:Central Air,Ceiling Fan(s),ENERGY STAR Qualified Equipment
Fireplaces:
Floor:Tile
Other:
  • ▪ Additional:Baseboards, Bookcases, Ceiling Fan(s), Crown Molding, Recessed Lighting, Master on Main
Water:Public

Exterior Features

Lot:Cul-De-Sac,Bay,River Front,Waterfront,Boat Lift,Natural,Pier
Garage Capacity:4
Zoning:Res Single
Roof:Shingle
Others:
  • ▪ Additional:Sprinkler, Rain Gutters, Dock, Resale
Sewer:Public Sewer
Parking Features:2 Car Garage,Boat,Garage Door Opener
Principal Interest
$4,834
Taxes
$558
HOA
$1,125

Home Price

$875,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$175,000
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Monthly Price:
$4,834.25

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $4,834.25 $557.81 $1,125.00 $6,517.06
Yearly $58,010.99 $6,693.75 $13,500.00 $78,204.74
Total $1,740,329.63 $200,812.50 $405,000.00 $2,346,142.13

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 (Milton, 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: 2026-10-07T07:04:08.000Z

© 2026 Pensacola Association of REALTORS®, Inc.