Agent profile image in chat bubble
Agent profile image in chat header

Harrison Lilly Team

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

Agent profile image in message

3963 Morning Dew Dr , Milton, FL 32583
$455,000
Est. Payment: $2,513.81/mo
4 Bed
4 Bath
2561 Sqft
0.23 Acres
Status: Active | Days on site: 7
Get Pre-Qualified
EKW11 - e28490
By proceeding and clicking the sign up button, you consent to receive calls and texts (SMS/MMS) including marketing and promotional communications, from Harrison Lilly Team, its affiliates, and agents or vendors acting on their behalf. These communications may be delivered using an automatic telephone dialing system or by using an artificial or prerecorded voice. Message and data rates may apply. To opt out of text messages, reply STOP. Your consent is not required as a condition of any purchase. By continuing, you also agree to our Terms of Use and Privacy Policy.
Agent profile image
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. (continue reading) 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. Luxury vinyl plank flooring flows throughout much of the home, including one of the pond-facing bedrooms, complemented by granite countertops and tile finishes in the bathrooms. The kitchen is equipped with a gas range and dedicated vented range hood, while additional features include a double vanity, tankless water heater, and a dedicated laundry room with utility sink. For today's connected lifestyle, the home also includes a structured networking panel and Cat5 networking drops to multiple rooms. Outdoor living is equally inviting with both covered front and rear porches thoughtfully recessed into the architecture of the home, creating a more private and protected setting. Tall porch ceilings and architectural details lend a beautiful farmhouse-inspired feel, while the spacious backyard provides plenty of room for outdoor activities and play while remaining easily visible from inside the home. The combination of pond views, expansive green space, oversized windows, covered porches, and generous separation from neighboring homes gives this property a level of privacy and openness that truly sets it apart within Yellow River Ranch. The home has also been consistently cared for with professional service companies, including regular HVAC maintenance, professional pest control, termite protection/bond, and monthly professional deep cleaning. As an added benefit, the current year's HOA dues have already been paid by the seller. This is a wonderful opportunity to enjoy a beautifully maintained Truland-built home in one of Yellow River Ranch's most scenic and spacious settings.

Highlights

Listed by Jessica N Drew , 850-776-7777 Keller Williams Realty Navarre , 850-515-0250. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.23

Year Built

2023

County

Santa Rosa

Area

10 - North Santa Rosa County

Neighborhood

Yellow River Ranch

Listing ID

1012514

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:4
  • ▪ Full Bathrooms:3
  • ▪ 1/2 Bathrooms:1
Appliances:Auto Garage Door Opn, Dishwasher, Disposal, Microwave, Smoke Detector, Stove/Oven Gas, Warranty Provided, Water Heater - Gas
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Vinyl
Other:
  • ▪ Additional:Ceiling Raised, Ceiling Tray/Cofferd, Kitchen Island, Lighting Recessed, Pantry, Washer/Dryer Hookup

Exterior Features

Lot:Level
Lot Dimensions:70x120
Zoning:Resid Single Family
Others:
  • ▪ Additional:Hurricane Shutters, Patio Covered
Sewer:Public Sewer
Principal Interest
$2,514
Taxes
$361

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

Principal Taxes HOA Total
Monthly $2,513.81 $361.08 $0.00 $2,874.89
Yearly $30,165.71 $4,332.91 $0.00 $34,498.62
Total $904,971.41 $129,987.30 $0.00 $1,034,958.71

Today's Rates

30 Year

7.37%

20 Year

7.27%

15 Year

6.8%

Never Miss a Property

Be the first to know when a property hits the market.

Current Listings

Last 30 Days
N/A
Oct 2026

Average Price

All Price Ranges
N/A
Oct 2026

Average Days on Market

All Price Ranges
N/A
Oct 2026
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: 2026-10-07T02:54:18.000Z

© 2026 Emerald Coast Multiple Listing Services