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Harrison Lilly

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

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257 S Oak St , Port St Joe, FL 32456
$825,000
Est. Payment: $4,183.81/mo
4 Bed
2 Bath
1344 Sqft
Status: active | Days on site: 186
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

GREAT VIEWS! 4 BEDROOMS, 2 BATHS, 1344 HEATED AND COOLED SQUARE FEET. Rare 1st Tier Beach Retreat on Indian Pass - Where Gulf Breezes Meet Old Florida Charm. Wake to panoramic views of the Gulf and St. Vincent's Island Refuge from this exceptionally positioned 4-bedroom, 2-bath beach home. Built in 1986 and lovingly maintained, this coastal gem captures the essence of Old Florida living with modern-day ease. Inside, discover the warmth of authentic pecky cypress walls and soaring vaulted ceilings that fill the home with natural light and coastal character. The open-concept living area flows seamlessly into the kitchen with breakfast bar—an inviting space designed for gathering, entertaining, and savoring life at the beach. A thoughtfully designed split floor plan offers maximum privacy, with two bedrooms and a full bath on each side, separated by a hallway privacy door. Two bedrooms open directly onto the expansive deck, where morning coffee and sunset cocktails become daily rituals. Outdoor living takes center stage with a screened front porch accessed through French doors, generous storage for all your beach gear and water toys, a refreshing outdoor shower, and a spacious carport deck. The landscaped backyard provides a peaceful retreat, while the durable metal roof and Hardie-plank siding ensure worry-free coastal living for years to come. Nestled in the pet-friendly, golf-cart community of Indian Pass, you're moments from pristine beaches, the serene lagoon, and the unspoiled natural beauty of St. Vincent's Wildlife Refuge. Enjoy convenient access to shopping and dining in nearby Port St. Joe and historic Apalachicola, plus the legendary Indian Pass Raw Bar practically in your backyard. Whether you're seeking a full-time coastal sanctuary or the ultimate vacation escape, this rare beachfront opportunity offers the lifestyle you've been dreaming of, beautiful beach, nature, fishing, boat launch two miles away, and your own slice of Florida's treasured Forgotten Coast. 2025

Highlights

Listed by Donna L Murray , 850-227-4546 Forgotten Coast Realty of NW Florida LLC , 850-648-3000. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.18

Year Built

1986

County

Gulf

Area

07 - Gulf County

Neighborhood

Indian Pass Beach

Listing ID

784116

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Electric Range, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Storage, Workshop

Exterior Features

Lot:Paved
Lot Dimensions:75 x 105
Roof:Metal
Others:
  • Additional:Covered Patio, Deck, Outdoor Shower, Porch
Parking Features:Gravel
Principal Interest
$4,184
Taxes
$366

Home Price

$825,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$165,000
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:
$4,183.81

Principal

Taxes

Principal Taxes HOA Total
Monthly $4,183.81 $365.58 $0.00 $4,549.39
Yearly $50,205.72 $4,387.00 $0.00 $54,592.72
Total $1,506,171.51 $131,610.00 $0.00 $1,637,781.51

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

6%

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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

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