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Harrison Lilly

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

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197 Cape Pointe Drive B1 , Port St Joe, FL 32456
$635,000
Est. Payment: $3,220.60/mo
3 Bed
2 Bath
1440 Sqft
Status: active | Days on site: 183
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Phenomenal value on this Gulf front condo located in the Club at Cape San Blas offering direct Gulf views from the living area and private balcony. Unit 3A recently sold for $850,000 making this offering hard to ignore! Gulf front condo inventory on Cape San Blas, Florida is limited, making this a rare opportunity in a low density community with private beach access and a private pool. Gulf front positioning supports strong buyer demand, long term value retention, and rental appeal due to unobstructed views, immediate beach access, and consistent guest preference for waterfront units. Cape San Blas is known for uncrowded beaches, protected natural surroundings, and year round outdoor recreation including fishing, snorkeling, kayaking, paddleboarding, hiking, and boating in St. Joseph Bay, all of which support repeat visitation. The property is located near Salinas Park and St. Joseph Peninsula State Park, and within a short drive of downtown Port St. Joe for shopping, dining, and fresh local seafood, with convenient access to historic Apalachicola. Recent updates support reduced near-term capital expenses and operational efficiency, including December 2025 new stainless steel appliances, September 2025 new hot water heater, September 2022 new LVP flooring throughout, and a 2019 roof and HVAC, making this unit well-positioned for personal use, second-home ownership, or rental income. Unit comes with additional storage unit on ground floor. See the 3D virtual tour, and call for your private showing today.

Highlights

Listed by Ashley N Peevy , 850-867-7100 and Matt R Peevy , 850-247-8385 Keller Williams Success Realty , 850-249-0313. Bay County Association of REALTORS

Property Type

Condo/Townhome

Lot/Acreage
0.04

HOA Fee

3250 Quarterly

Year Built

2006

County

Gulf

Area

07 - Gulf County

Neighborhood

[No Recorded Subdiv]

Listing ID

784371

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Electric Water Heater
Other:
  • Additional:Soaking Tub, Separate Shower

Exterior Features

Lot Dimensions:Condominium
Zoning:Resid Multi-Family
Parking Features:Paved,Parking Lot
Principal Interest
$3,221
Taxes
$405
HOA
$3,250

Home Price

$635,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$127,000
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:
$3,220.60

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $3,220.60 $404.81 $3,250.00 $6,875.41
Yearly $38,647.20 $4,857.75 $39,000.00 $82,504.95
Total $1,159,416.07 $145,732.50 $1,170,000.00 $2,475,148.57

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 (Port St Joe, 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: 2026-08-20T06:33:19.000Z

© 2026 Bay County Association of REALTORS