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Harrison Lilly

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

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3172 Heritage Oaks Cir , Navarre, FL 32566
$409,000
Est. Payment: $2,074.37/mo
4 Bed
2 Bath
1819 Sqft
Status: active | Days on site: 98
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
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House Description

Welcome home to sought-after Heritage Oaks just minutes from Navarre Beach and Hurlburt Field. Experience this beautifully designed craftsman style home on a corner lot which features this four bedroom, 2 full bath split floorplan perfect for hosting gatherings. The kitchen features beautiful salt and pepper, granite countertops, including a large center island with a double basin undermount sink, a walk in pantry, and stainless steel appliances. The primary bedroom displays 10 ft., recessed ceiling with recessed lighting. Primary bath features a double vanity with granite tops, water closet, large garden soaking tub, and large separate shower.Also features a large walk in closet with plenty of space.
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Highlights

Listed by Billy Chapman , 850-684-1003 Coldwell Banker Realty , 850-684-1003. Pensacola Association of REALTORS®, Inc.

Property Type

Residential
Lot/Acreage
0.23

HOA Fee

692 Annually

Year Built

2020

County

Santa Rosa

 Neighborhood

Heritage Oaks

Listing ID

682608

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Electric Water Heater, Dishwasher, Self Cleaning Oven, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Refrigerator, ENERGY STAR Qualified Appliances, ENERGY STAR Qualified Water Heater
Air Cond:Heat Pump,Central Air,Ceiling Fan(s)
Fireplaces:
Floor:Carpet
Other:
  • ▪ Additional:Baseboards, Ceiling Fan(s), High Ceilings, Master on Main
Water:Public

Exterior Features

Lot:Corner Lot
Lot Dimensions:50x110
Garage Capacity:2
Zoning:County,Deed Restrictions,Res Single
Roof:Shingle,Hip
Others:
  • ▪ Additional:Resale
Sewer:Public Sewer
Parking Features:2 Car Garage,Front Entrance,Garage Door Opener
Principal Interest
$2,074
Taxes
$261
HOA
$692

Home Price

$409,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$81,800
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:
$2,074.37

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,074.37 $260.74 $692.00 $3,027.11
Yearly $24,892.45 $3,128.85 $8,304.00 $36,325.30
Total $746,773.50 $93,865.50 $249,120.00 $1,089,759.00

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, 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

© 2026 Pensacola Association of REALTORS®, Inc.