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Harrison Lilly Team

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

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1732 Saint Mary's Bay Dr , Milton, FL 32583
$1,580,000
Est. Payment: $8,729.27/mo
6 Bed
6 Bath
4964 Sqft
0.88 Acres
Status: Active | Days on site: 1
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EEXX - E21592,E27946
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Harrison Lilly Team
Owner/Operator

House Description

Watch the sunrise over East Bay with coffee in hand and another day on the water ahead of you. Spend the afternoon fishing from your private dock, then gather with friends on the waterfront patio as evening settles over the bay. At 1732 St. Marys Bay Drive, the water shapes the rhythm of everyday life. Set on approximately 0.88 acres with 176 feet of bay frontage, this six-bedroom residence offers 4,964 square feet of living space in Hammock de Galvez, a waterfront neighborhood in Milton's Garcon Point area. Here, south of I-10, you can enjoy a spacious shoreline setting with access to Pensacola and, by way of the Garcon Point Bridge, Gulf Breeze and the Gulf beaches. A community boardwalk beside the property adds another connection to the surrounding waterfront. Step through the double iron, hurricane-rated front doors, and the view draws you straight toward the bay. Windows stretch across the back of the home, bringing natural light and expansive water views into the spaces where life happens. The open kitchen keeps the cook connected to the conversation, with custom cabinetry, generous preparation space, stainless steel appliances, an induction cooktop, double ovens, and a warming drawer. Whether it is a quiet dinner at home or a house full of guests after a day on the water, there is room to settle in and stay awhile. When the evening moves indoors, the dedicated theater room offers elevated seating, projection, and surround sound for movie nights and game-day gatherings. Upstairs, the primary suite provides a quieter escape, with sweeping bay views, two walk-in closets, and a spacious bath featuring a soaking tub and an oversized tiled shower with multiple body sprays. Five additional bedrooms offer room for guests, hobbies, or working from home. One particularly versatile bedroom includes a sink and adjoining spaces that lend themselves to generous storage, a dressing area, or a private sitting room. Laundry rooms on both levels make everyday routines easier. Outside, the large waterfront patio opens toward your sandy shoreline and private dock. Launch a kayak, cast a line, or simply pull up a chair and watch the water. A fish-cleaning sink along the side of the home adds convenience after a successful outing, while additional side space offers room for boat or RV parking. The oversized garage includes a separate workshop, storage, and a golf cart door to help keep waterfront gear within easy reach. Originally built in 1991, the home underwent a studs-out renovation and carries an effective year built of 2021 in Santa Rosa County Property Appraiser records. Hurricane impact-rated windows and doors complement that transformation. From the first glimpse of the bay through the front doors to the last few minutes spent beside the shoreline, this is a home that invites you to make more time for the water.

Highlights

Listed by Jordan M Dennis , 850-420-4274 and Jamie N Vargas , 850-842-6299 EXP Realty LLC , 888-883-8509. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.88

Year Built

1991

County

Santa Rosa

Area

10 - North Santa Rosa County

Neighborhood

Hammock De Galvez

Listing ID

1013202

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:6
  • ▪ Bathrooms:6
  • ▪ Full Bathrooms:4
  • ▪ 1/2 Bathrooms:2
Appliances:Auto Garage Door Opn, Dishwasher, Disposal, Dryer, Microwave, Oven Double, Range Hood, Refrigerator W/IceMk, Smoke Detector, Smooth Stovetop Rnge, Stove/Oven Electric, Washer, Water Heater - Elect
Air Cond:Central Air
Fireplaces:
Floor:Floor Tile,Floor WW Carpet
Other:
  • ▪ Additional:Kitchen Island, Lighting Recessed, Pantry, Shelving, Washer/Dryer Hookup, Wet Bar

Exterior Features

Lot:Covenants,Cul-De-Sac,Flood Insurance Req,Level,Within 1/2 Mile to Water,Wooded,Bay
Lot Dimensions:40 x 24 x 123 x 266 x 11 x 14 x 19 x 146 x 225
Zoning:Resid Single Family
Others:
  • ▪ Additional:Rain Gutter, Boat Slip, Boatlift, Dock, Sprinkler System, Yard Building, Deck Open
Sewer:Septic Tank
Parking Features:Boat,Oversized,RV
Principal Interest
$8,729
Taxes
$961

Home Price

$1,580,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$316,000
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:
$8,729.27

Principal

Taxes

Principal Taxes HOA Total
Monthly $8,729.27 $961.27 $0.00 $9,690.54
Yearly $104,751.27 $11,535.20 $0.00 $116,286.47
Total $3,142,538.07 $346,056.00 $0.00 $3,488,594.07

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 Emerald Coast Multiple Listing Services, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-10-06T22:55:19.000Z

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