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Harrison Lilly

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

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1732 St Marys Bay Dr , Milton, FL 32583
$1,590,000
Est. Payment: $8,064.18/mo
5 Bed
6 Bath
4964 Sqft
Status: active | Days on site: 26
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Welcome to an exceptional bayfront retreat where luxury, comfort, and waterfront living come together. Set along your own private stretch of shoreline with a sandy beach and private boat dock, this beautifully renovated five-bedroom estate offers an exceptional blend of timeless design and effortless waterfront living. As you step through the stunning double iron hurricane-rated front doors, expansive bay views greet you the moment you enter. The entire back of the home is lined with windows, creating a light-filled living space where the water is always front and center. Designed for both everyday living and entertaining, the open-concept floor plan centers around a chef's kitchen featuring stainless steel appliances, an induction cooktop, double ovens, a warming drawer, generous prep space, and custom cabinetry. Just beyond, a dedicated theater room with elevated seating, projection, and surround sound creates the ultimate space for movie nights, game days, or gathering with family and friends. Upstairs, the spacious primary suite offers a peaceful retreat with breathtaking water views, a spa-inspired bath featuring a soaking tub, an oversized tiled shower with multiple body sprays, and two walk-in closets. Four additional bedrooms, each with their own walk-in closet, provide plenty of space for family and guests. An expansive bonus room currently serves as a home gym, while an additional flex room offers the perfect space for a home office, playroom, or hobby room. Laundry rooms on both levels add everyday convenience. The oversized garage includes a separate workshop, additional storage, and a golf cart door for easy access to all your waterfront gear. Outside, multiple entertaining spaces overlook the bay, creating the perfect setting for morning coffee, sunset dinners, or simply relaxing as dolphins swim by. Spend the afternoon on your private sandy beach, head out on the water from your private dock, and enjoy the kind of waterfront lifestyle most people only dream about. Completely renovated from the studs out in 2023 and equipped with hurricane impact-rated windows and doors, this extraordinary home offers the rare combination of luxury, functionality, and an unmatched bayfront setting. **Boat lift conveys in as-is condition. Boat lift is non-functional and was not operational prior to the sellers' purchase of the property. Home gym equipment is being left as well as the theater system and chairs. Buyer to verify all measurements and information for accuracy.

Highlights

Listed by Shawnta S Sax , 850-812-9424 Real Broker LLC , 855-450-0442. 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

1006642

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:5
  • Bathrooms:6
  • Full Bathrooms:4
  • 1/2 Bathrooms:2
Air Cond:Ceiling Fans,Central Air
Fireplaces:

Exterior Features

Lot:Cul-De-Sac,Dead End,Within 1/2 Mile to Water,Bay
Lot Dimensions:176x219
Zoning:City, Resid Single Family
Others:
  • Additional:Boat Slip, Dock, Patio Open
Sewer:Septic Tank
Parking Features:Garage
Principal Interest
$8,064
Taxes
$961

Home Price

$1,590,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$318,000
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:
$8,064.18

Principal

Taxes

Principal Taxes HOA Total
Monthly $8,064.18 $961.27 $0.00 $9,025.45
Yearly $96,770.16 $11,535.27 $0.00 $108,305.43
Total $2,903,104.80 $346,058.10 $0.00 $3,249,162.90

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 (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: 2026-08-20T07:16:22.000Z

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