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Harrison Lilly

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

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305 S Garcon Point Rd , Milton, FL 32583
$1,125,000
Est. Payment: $5,705.20/mo
3 Bed
2 Bath
2998 Sqft
Status: active | Days on site: 38
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Experience the best of waterfront living in this stunning custom-built bayfront home, completed in 2021. Situated on an expansive lot with no HOA, this exceptional 3-bedroom, 2-bath residence also features a dedicated office and bonus room, offering the perfect combination of luxury, comfort, and flexibility. With plenty of room to add a custom pool, detached garage, or even an in-law suite, the possibilities are endless. Elevated on pilings, the home offers covered parking for up to four vehicles while maximizing spectacular panoramic views of the bay. The open-concept main living area is designed for entertaining, featuring a spacious living room with a cozy fireplace and a chef-inspired kitchen complete with granite countertops, stainless steel appliances, a gas range, abundant cabinetry, an oversized pantry, and a large laundry room. Enjoy both a private front balcony and a waterfront balcony where gentle bay breezes and breathtaking sunsets become part of your daily routine. Upstairs, the primary suite and an additional bedroom open to a private balcony overlooking the water, creating the perfect retreat to enjoy your morning coffee or unwind at the end of the day. Accessibility is thoughtfully incorporated with an elevator from the ground level to the main living area and a chair lift from the first floor to the second floor. Outside, your private dock with a built-in bench invites you to fish, watch dolphins and local wildlife, or simply relax as the sun sets across the bay. An elegant exterior winding staircase enhances the home's coastal charm. Boating enthusiasts will appreciate the convenience of the public boat launch located at the end of the road, making it easy to get out on the water whenever adventure calls. Built for beauty and peace of mind, this home features luxury vinyl plank flooring throughout with no carpet, two HVAC systems, a tankless gas water heater, and a durable metal roof. This is more than a home—it's a private waterfront retreat.

Highlights

Listed by Amy Wise , 850-816-5947 Levin Rinke Realty , 850-916-5050. Pensacola Association of REALTORS®, Inc.

Property Type

Residential

Lot/Acreage
0.46

Year Built

2021

County

Santa Rosa

Neighborhood

None

Listing ID

685796

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Tankless Water Heater/Gas, Dryer, Washer, Built In Microwave, Dishwasher, Disposal, Freezer, Refrigerator, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Refrigerator, ENERGY STAR Qualified Appliances, ENERGY STAR Qualified Water Heater
Air Cond:Multi Units,Central Air,Ceiling Fan(s)
Fireplaces:
Floor:Tile
Other:
  • Additional:Storage, Baseboards, Ceiling Fan(s), Elevator, High Ceilings, High Speed Internet, Recessed Lighting, Smart Thermostat, Bonus Room, Office/Study
Water:Public

Exterior Features

Lot:Central Access,Bay,Waterfront,Block/Seawall,Rip Rap
Lot Dimensions:217X92
Garage Capacity:4
Zoning:Res Single
Roof:Metal
Others:
  • Additional:Balcony, Dock, Resale
Sewer:Grinder Pump,Public Sewer
Parking Features:4 or More Car Garage,Front Entrance,Guest,Oversized
Principal Interest
$5,705
Taxes
$717

Home Price

$1,125,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$225,000
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:
$5,705.20

Principal

Taxes

Principal Taxes HOA Total
Monthly $5,705.20 $717.19 $0.00 $6,422.38
Yearly $68,462.34 $8,606.25 $0.00 $77,068.59
Total $2,053,870.24 $258,187.50 $0.00 $2,312,057.74

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

6%

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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: 2026-08-20T05:37:29.000Z

© 2026 Pensacola Association of REALTORS®, Inc.