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Harrison Lilly Team

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

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7434 Pine Lake Cir , Milton, FL 32570
$599,900
Est. Payment: $3,314.36/mo
4 Bed
3 Bath
2698 Sqft
1.14 Acres
Status: Active | Days on site: 266
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Harrison Lilly Team
Owner/Operator

House Description

Discover a rare, one-owner lakefront retreat designed as an entertainer’s dream and a place where lasting memories are made. This custom-built home was created as a private escape, offering the feeling of a permanent vacation without ever needing to leave home. Set on a peaceful 1.14-acre waterfront property, the home delivers tranquility, privacy, and room to spread out, all while remaining conveniently close to beautiful beaches and nearby bases. The lifestyle truly begins outdoors. Expansive entertaining spaces unfold from a covered lanai and screened-in pool area, flowing seamlessly into an outdoor kitchen any chef would dream of, complete with large grills, a separate smoker, an industrial-sized outdoor refrigerator, and a wet bar with solid surface counters. Just beyond, a fully enclosed and private hot tub area creates a true outdoor oasis designed for relaxation year-round. All of it overlooks the lake and a gazebo-style private dock, perfect for fishing, reflection, and unforgettable sunrises and sunsets. Inside, the main living level brings together the living room, dining area, kitchen, and primary suite in a way that feels open, welcoming, and effortless. The kitchen has been updated with upgraded countertops, modern lighting, newer appliances, and a double oven, making it ideal for entertaining, while several bathrooms throughout the home feature well-planned upgrades that add comfort and style. A wraparound porch invites slow mornings and long evenings, offering a front-row seat to the surrounding natural beauty. Upstairs, additional bedrooms and a full bath provide comfortable accommodations for family and guests. Downstairs, a solid concrete construction level offers exceptional flexibility, featuring a wet bar, billiards area, and a built-in Murphy bed, 1/2 bath and laundry area making it an ideal bonus area , 4th bedroom, or private suite. This is THE ONE!

Highlights

Listed by Summer Chason , 850-529-4101 Engel & Volkers Pensacola , 850-820-8880. Pensacola Association of REALTORS®, Inc.

Property Type

Residential

Lot/Acreage
1.14

HOA Fee

25 Annually

Year Built

1986

County

Santa Rosa

Neighborhood

None

Listing ID

676014

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:2
  • ▪ 1/2 Bathrooms:2
Appliances:Electric Water Heater, Wine Cooler, Built In Microwave, Dishwasher, Double Oven, Microwave, Refrigerator, Oven
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Floor:Tile,Carpet,Laminate,Simulated Wood
Other:
  • ▪ Additional:Storage, Baseboards, Bookcases, Cathedral Ceiling(s), Ceiling Fan(s), High Ceilings, High Speed Internet, Recessed Lighting, Sound System, Vaulted Ceiling(s), Wet Bar, Bonus Room, Game Room, Wine Storage Room
Water:Public

Exterior Features

Lot:Central Access,Interior Lot,Lake,Pond,Waterfront,Pier
Zoning:County
Roof:Shingle
Others:
  • ▪ Additional:Outdoor Kitchen, Dock, Resale
Sewer:Septic Tank
Parking Features:Boat,Driveway,Front Entrance,Guest,RV Access/Parking
Principal Interest
$3,314
Taxes
$382
HOA
$25

Home Price

$599,900

Loan Details

30 yrs
7.374%

Down Payment

20%
$119,980
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Monthly Price:
$3,314.36

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $3,314.36 $382.44 $25.00 $3,721.80
Yearly $39,772.33 $4,589.24 $300.00 $44,661.57
Total $1,193,169.99 $137,677.05 $9,000.00 $1,339,847.04

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: 2026-10-07T11:45:26.000Z

© 2026 Pensacola Association of REALTORS®, Inc.