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Harrison Lilly Team

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

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3963 Morning Dew Dr , Milton, FL 32583
$455,000
Est. Payment: $2,513.81/mo
4 Bed
3.5 Bath
2561 Sqft
0.23 Acres
Status: Active | Days on site: 14
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Harrison Lilly Team
Owner/Operator

House Description

Welcome to Yellow River Ranch, a community thoughtfully designed around open space, beautiful greenery, scenic ponds, and a relaxed neighborhood atmosphere. With sidewalks winding throughout the community and amenities including a swimming pool, pickleball courts, basketball courts, a tennis court, and children's playground, this neighborhood offers plenty of opportunities to enjoy the outdoors. This particular home is positioned in a desirable section of Yellow River Ranch known for its larger homes and spacious surroundings. Originally built by Truland Homes, the property showcases many of the upgraded finishes and thoughtful design features associated with their construction before the community transitioned to some other builder options. One of the most impressive features of this property is the sense of openness surrounding the home. From the covered front porch, enjoy peaceful views across one of the neighborhood ponds with generous green space separating the home from the properties across the way. The setting becomes especially beautiful in the evenings as the sun sets toward the pond and reflects across the water. Behind the home, additional separation from neighboring properties creates an equally open and private feel. Just beyond this section of the community, the nearby Yellow River conservation area further contributes to the natural landscape and greenery surrounding the neighborhood. Inside, the home offers a spacious open-concept, split-bedroom floor plan designed to feel bright and inviting. Approximately 13-foot ceilings in the main living area create an impressive sense of volume, while oversized windows throughout the home bring in an abundance of natural light and capture views of the surrounding pond and green space. Many of the windows extend low toward the floor, enhancing the open feel while their reflective exterior appearance provides additional daytime privacy.

Highlights

Listed by Jessica Drew , 850-776-7777 KELLER WILLIAMS REALTY EMERALD COAST WEST BRANCH , 850-515-0250. Pensacola Association of REALTORS®, Inc.

Property Type

Residential

Lot/Acreage
0.23

HOA Fee

720 Annually

Year Built

2023

County

Santa Rosa

Neighborhood

Yellow River Ranch

Listing ID

689331

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:3.5
  • ▪ Full Bathrooms:3
  • ▪ 1/2 Bathrooms:1
Appliances:Gas Water Heater, Built In Microwave, Dishwasher, Disposal
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • ▪ Additional:Baseboards, High Ceilings, Master on Main
Water:Public

Exterior Features

Lot Dimensions:70x120
Garage Capacity:2
Zoning:Res Single
Roof:Shingle
Others:
  • ▪ Additional:Under Construction
Sewer:Grinder Pump,Public Sewer
Parking Features:2 Car Garage
Principal Interest
$2,514
Taxes
$290
HOA
$720

Home Price

$455,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$91,000
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:
$2,513.81

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,513.81 $290.06 $720.00 $3,523.87
Yearly $30,165.71 $3,480.75 $8,640.00 $42,286.46
Total $904,971.41 $104,422.50 $259,200.00 $1,268,593.91

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: 2026-10-07T01:46:49.000Z

© 2026 Pensacola Association of REALTORS®, Inc.