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Harrison Lilly

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

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354 Cobalt Ln , Miramar Beach, FL 32550
$860,000
Est. Payment: $4,361.76/mo
4 Bed
3 Bath
2592 Sqft
Status: pending | Days on site: 122
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Welcome Home to 354 Cobalt Ln. Positioned at the end of a quiet cul-de-sac within the gated golf community of Emerald Bay, this exceptional 4-bedroom, 3-bath custom home built by award-winning Huff Homes of Florida offers a blend of craftsman style, comfort, and privacy. Designed with an open-concept layout, the home is filled with natural light and enhanced by 10-foot ceilings, 8-foot doors, crown molding, and wide-plank engineered hardwood flooring throughout. The chef's kitchen serves as the centerpiece, featuring a large quartz island, a stainless steel Wolf gas stove with a professional hood vent. The matching stainless steel fridge, dishwasher, and built-in microwave offer a clean and seamless feel. The custom cabinetry with soft-close features and a backsplash that sets the space off and adds timeless beauty. The thoughtfully designed floor plan includes a spacious primary suite with dual vanities, soaking tub, separate tile shower, and generous closet space with custom built-in shelving. The additional downstairs bedroom and a versatile upstairs living area provide flexibility for an office, playroom, study, additional living room, or addition to a guest suite. The bedrooms upstairs are spacious and provide a shared Jack & Jill bathroom. Step outside to a private, fully fenced backyard backing to a natural preserve, complete with an oversized screened porch--perfect for relaxing or hosting year-round. The additional fire pit allows for conversation and entertaining long into the night. Residents of Emerald Bay enjoy access to a championship golf course, clubhouse, tennis courts, and community pool, all just minutes from premier shopping, dining, and the world-renowned beaches of Destin and South Walton. This is a rare opportunity to own a meticulously upgraded home in one of the Emerald Coast's most sought-after communities

Highlights

Listed by Michael E Kocher , 850-699-3023 Realty ONE Group Emerald Coast , 850-842-3211. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.15

HOA Fee

Year Built

2018

County

Walton

Area

15 - Miramar/Sandestin Resort

Neighborhood

Emerald Bay Ph 2A

Listing ID

999876

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:3
  • Full Bathrooms:3
Appliances:Auto Garage Door Opn, Dishwasher, Dryer, Range Hood, Refrigerator, Stove/Oven Gas, Washer
Other:
  • Additional:Ceiling Raised, Pantry, Washer/Dryer Hookup

Exterior Features

Lot:Cleared,Covenants,Cul-De-Sac,Dead End,Interior,Level,Restrictions
Lot Dimensions:107 x 13 x 138 x 30 x 79
Zoning:Resid Single Family
Others:
  • Additional:Fenced Back Yard, Lawn Pump, Porch Screened
Sewer:Public Sewer
Parking Features:Garage
Principal Interest
$4,362
Taxes
$579
HOA
$0

Home Price

$860,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$172,000
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:
$4,361.76

Principal

Taxes

Principal Taxes HOA Total
Monthly $4,361.76 $579.44 $0.00 $4,941.20
Yearly $52,341.09 $6,953.25 $0.00 $59,294.34
Total $1,570,232.79 $208,597.50 $0.00 $1,778,830.29

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 (Miramar Beach, 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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