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Harrison Lilly

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

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1497 Seaside Cir , Navarre Beach, FL 32566
$899,000
Est. Payment: $4,559.56/mo
3 Bed
3.5 Bath
2030 Sqft
Status: active | Days on site: 587
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Seaside-Style Cottage in Navarre Beach – Perfect for Large Families or Multiple Guests! Welcome to your dream beach getaway! Nestled on the western side of Navarre Beach in the charming sound-front community of By the Sea, this affordable and spacious cottage is designed for families or friends to enjoy the best of coastal living. The community offers a large, picturesque pool and private access to the tranquil Sound/Intracoastal Waterway, ensuring relaxation at every turn. Plus, you're just a 4–5 minute walk from the pristine shores of the Gulf of Mexico. Home Features: Three Levels of Living Space: Ground Level: A generous garage with parking for two vehicles, plus space for two more on the driveway. Main Level: The heart of the home, featuring a modern kitchen, dining room, and a cozy living area perfect for gathering. This level also includes a bedroom with an ensuite bathroom and multiple decks and porches to enjoy the coastal breeze. Top Level: A luxurious Master Suite with an ensuite bathroom, a serene guest bedroom, and a unique bonus sleeping area. The Master Suite's walk-in closet has been thoughtfully converted into a sleeping nook with two elegant built-in queen bunk beds, offering extra accommodation in style. This home is ideal for creating cherished memories by the beach. Whether you're lounging by the community pool, exploring the sound, or walking to the Gulf for sun and surf, this cottage offers a perfect blend of comfort, convenience, and coastal charm. The property is currently part of a rental program, and it is mandatory that the buyer honor all scheduled guest reservations for up to nine months after closing. This arrangement ensures a seamless transition for guests and maintains the property's established rental reputation. HOA covers: pool, spa, retention pond, security gate, street, lights, boardwalk to sound and landscaping of common areas. There is deeded access to the sound.

Highlights

Listed by Tammy Sims , 850-637-6664 Poppy Properties LLC , 850-637-6664. Pensacola Association of REALTORS®, Inc.

Property Type

Residential

Lot/Acreage
0.07

HOA Fee

1200 Annually

Year Built

2009

County

Santa Rosa

Neighborhood

By The Sea

Listing ID

657393

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3.5
  • Full Bathrooms:3
  • 1/2 Bathrooms:1
Appliances:Electric Water Heater
Air Cond:Central Air
Fireplaces:
Floor:Tile
Other:
  • Additional:Bonus Room
Water:Public

Exterior Features

Lot:Interior Lot
Garage Capacity:2
Zoning:Res Single
Roof:Metal
Others:
  • Additional:Resale
Sewer:Public Sewer
Parking Features:2 Car Garage
Principal Interest
$4,560
Taxes
$573
HOA
$1,200

Home Price

$899,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$179,800
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:
$4,559.56

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $4,559.56 $573.11 $1,200.00 $6,332.67
Yearly $54,714.70 $6,877.35 $14,400.00 $75,992.05
Total $1,641,441.02 $206,320.50 $432,000.00 $2,279,761.52

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 (Navarre 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 Pensacola Association of REALTORS®, Inc., and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-08-20T07:06:24.000Z

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