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Harrison Lilly Team

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

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3685 Florida 87 , Navarre, FL 32566
$310,000
Est. Payment: $1,712.71/mo
1.54 Acres
Status: Active | Days on site: 140
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Harrison Lilly Team
Owner/Operator

House Description

Life awaits on this fabulous build-ready waterfront lot on East Bay in Holley/Navarre. With over 1.5 acres and approximately 150 feet of waterfront footage, this rare opportunity offers the perfect setting to build your dream coastal retreat. Enjoy breathtaking views, free dolphin shows, abundant waterfowl, and soaring osprey right from your own backyard. The lot has been cleared, filled, and raised per Santa Rosa County permit requirements, making it ready to begin construction. Impact fees have been paid. Approved permits are in place, utility charges for water and fire services have been paid, and builder plans are included with the sale, saving valuable time and expense for the future owner. The included home plans feature a spacious waterfront design with 5 bedrooms, 5+ bathrooms, and both upstairs and downstairs family rooms, offering ample space and privacy for guests or multi generational living. Located conveniently on Highway 87 in Navarre, this property is not part of a subdivision, meaning no HOA and no association dues. A truly exceptional opportunity to create your custom waterfront dream home on East Bay.

Highlights

Listed by Macey F Dunn , 256-404-6697 Think Real Estate , 850-270-4200. Bay County Association of REALTORS

Property Type

Vacant Land

Lot/Acreage
1.54

County

Santa Rosa

Area

14 - Santa Rosa

Neighborhood

Other

Listing ID

790016

Questions about this listing?

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Interior Features

Exterior Features

Lot Dimensions:150 x 448
Principal Interest
$1,713
Taxes
$198

Home Price

$310,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$62,000
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:
$1,712.71

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,712.71 $197.63 $0.00 $1,910.33
Yearly $20,552.46 $2,371.50 $0.00 $22,923.96
Total $616,573.93 $71,145.00 $0.00 $687,718.93

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 (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 Bay County Association of REALTORS, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-10-07T12:26:16.000Z

© 2026 Bay County Association of REALTORS