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Harrison Lilly

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

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314 Cove Ln , Port St Joe, FL 32456
$309,500
Est. Payment: $1,569.73/mo
4 Bed
2 Bath
1361 Sqft
Status: active | Days on site: 128
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Nestled in the charming coastal town of Port St. Joe, Palmetto Bluff offers the perfect blend of comfort and convenience. Just minutes from pristine beaches, the iconic lighthouse, and a variety of local dining favorites, this vibrant area also hosts frequent festivals and live music events. With Cape San Blas just a short drive away, outdoor adventure and relaxation are always within reach. Step inside the Freeport floor plan through the inviting prairie-style front door and immediately notice the bright, welcoming entryway. This thoughtfully designed 4-bedroom, 2-bath home spans 1,387 square feet and features an open-concept layout ideal for both everyday living and entertaining. At the front of the home, two bedrooms share a full bathroom, while an additional bedroom sits just across the entry hall--providing privacy and flexibility for guests or family members. The spacious kitchen, complete with a large island, overlooks the dining and living areas, creating a seamless flow that keeps everyone connected while allowing for individual activities. Durable and stylish engineered vinyl plank flooring runs throughout the main living areas, bathrooms, and laundry room, while the bedrooms offer soft, plush carpeting for added comfort. The generously sized primary suite serves as a private retreat, featuring a walk-in closet and an en-suite bath with a large shower and single vanity.

Highlights

Listed by William J Rish , 850-227-5569 Rish Real Estate Group , 850-227-5569. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.14

HOA Fee

345 Annually

Year Built

2023

County

Gulf

Area

07 - Gulf County

Neighborhood

No Named Subdivision

Listing ID

787434

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Electric Oven
Air Cond:Central Air
Fireplaces:
Other:
  • Additional:Main Level Primary

Exterior Features

Lot:Paved
Lot Dimensions:50 x 120
Zoning:Resid Single Family
Roof:Composition,Shingle
Sewer:Public Sewer
Principal Interest
$1,570
Taxes
$325
HOA
$345

Home Price

$309,500

Loan Details

30 yrs
6.529%

Down Payment

20%
$61,900
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:
$1,569.73

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,569.73 $324.50 $345.00 $2,239.23
Yearly $18,836.71 $3,894.00 $4,140.00 $26,870.71
Total $565,101.22 $116,820.00 $124,200.00 $806,121.22

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