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Harrison Lilly

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

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195 Swirly Sun Dr , Port St Joe, FL 32456
$2,999,000
Est. Payment: $15,208.78/mo
6 Bed
9 Bath
3492 Sqft
Status: pending | Days on site: 126
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS' .Swirly Sunsets on North Cape San Blas checks every box for an exceptional beachfront retreat. This 7-bedroom home was designed for large groups to enjoy outstanding comfort, luxury, and amenities, all overlooking the Gulf. Guests will love the heated and chilled beachside pool, hot tub, firepit, arcade room, elevator, game deck, and more in this well-built and thoughtfully designed property. Located in an area with an expansive beach and a large protective dune, this home offers both beauty and peace of mind. Personally built and owned by a local builder and Realtor, every detail of the construction and design was carefully planned to maximize space, enjoyment, durability, and rental performance. Completed in summer 2023, the home has been a proven income producer from the start, generating $280,000 in gross rental income in 2024 and $277,000 in 2025. Every finish, furnishing, and feature was selected to provide a luxurious guest experience while standing up to the demands of a high-performing vacation rental. This property is being sold fully furnished, decorated, and equipped as shown. Both listing agents are owners and will consider owner financing for up to 5 years with at least 20% down, minimum 7% rate.

Highlights

Listed by Zach Childs , 850-819-0833 98 Real Estate Group, LLC , 850-648-2200. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.67

Year Built

2023

County

Gulf

Area

07 - Gulf County

Neighborhood

No Named Subdivision

Listing ID

788072

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:6
  • Bathrooms:9
  • Full Bathrooms:7
  • 1/2 Bathrooms:2
Appliances:Electric Oven, Ice Maker, Tankless Water Heater

Exterior Features

Lot Dimensions:50x581
Zoning:Resid Single Family
Roof:Metal
Others:
  • Additional:Covered Patio, Deck, Fire Pit
Sewer:Public Sewer
Parking Features:Paved
Principal Interest
$15,209
Taxes
$1,701

Home Price

$2,999,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$599,800
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:
$15,208.78

Principal

Taxes

Principal Taxes HOA Total
Monthly $15,208.78 $1,701.25 $0.00 $16,910.03
Yearly $182,505.39 $20,415.00 $0.00 $202,920.39
Total $5,475,161.65 $612,450.00 $0.00 $6,087,611.65

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

© 2026 Bay County Association of REALTORS