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Harrison Lilly

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

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248 Ponce De Leon St , Port St Joe, FL 32456
$585,000
Est. Payment: $2,967.01/mo
0 Bed
2 Bath
2048 Sqft
Status: active | Days on site: 138
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Discover the perfect blend of coastal living and income potential in this beautifully maintained home just steps from the beach in Port St. Joe! This 2,048 sq ft heated and cooled property features two fully self-contained units, each offering 2 bedrooms, 1 bathroom, full kitchens, and spacious living areas--ideal for short-term rentals, long-term income, or multi-generational living. Live in one unit and rent the other, or maximize returns by renting both! Situated less than two blocks (approximately 300 yards) from the beach, you'll enjoy quick and easy access via a dedicated beach access at the end of the street. The downstairs unit includes a fully enclosed sunroom, perfect for relaxing year-round, while the upstairs boasts a spacious deck with beautiful views. Accessibility is a standout feature, with a $10,000+ exterior lift providing easy access to the upper level. Recent updates and highlights include: New roof (2019) Durable Hardie board siding Whole-home generator Updated paver driveway and walkways Two 12x20 metal storage sheds Located just outside the flood zone (no flood insurance required) The property is framed by stunning oak trees, giving it incredible curb appeal and a true coastal charm. Whether you're searching for a primary residence, vacation home, or income-producing property, this one checks all the boxes. Don't miss your opportunity to own a versatile beachside property with built-in income potential--schedule your showing today!

Highlights

Listed by Dustin Ballard , 850-209-1048 Real Broker LLC , 855-450-0442. Bay County Association of REALTORS

Property Type

Multi-Family

Lot/Acreage
0.26

Year Built

1981

County

Gulf

Area

07 - Gulf County

Neighborhood

[No Recorded Subdiv]

Listing ID

787130

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:0
  • Bathrooms:2
  • Full Bathrooms:2
Other:
  • Additional:Handicap Access, Main Level Primary

Exterior Features

Lot Dimensions:75'x150'
Sewer:Public Sewer
Principal Interest
$2,967
Taxes
$143

Home Price

$585,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$117,000
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:
$2,967.01

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,967.01 $143.33 $0.00 $3,110.34
Yearly $35,604.12 $1,720.00 $0.00 $37,324.12
Total $1,068,123.46 $51,600.00 $0.00 $1,119,723.46

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