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Harrison Lilly Team

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

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317 Canal St , Port St Joe, FL 32456
$389,900
Est. Payment: $2,154.14/mo
3 Bed
2 Bath
864 Sqft
0.34 Acres
Status: Active Under Contract | Days on site: 86
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B98RE - B12976,BNONA
By proceeding and clicking the sign up button, you consent to receive calls and texts (SMS/MMS) including marketing and promotional communications, from Harrison Lilly Team, its affiliates, and agents or vendors acting on their behalf. These communications may be delivered using an automatic telephone dialing system or by using an artificial or prerecorded voice. Message and data rates may apply. To opt out of text messages, reply STOP. Your consent is not required as a condition of any purchase. By continuing, you also agree to our Terms of Use and Privacy Policy.
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Harrison Lilly Team
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House Description

CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS. Welcome to 317 Canal Street, a 3BR/1.5BA beach cottage just a short walk or golf cart ride to the white-sand beaches in St. Joe Beach. Sitting on an oversized 0.34-acre lot (97x150), this property has plenty of space and flexibility--perfect for a full-time home, beach getaway, or income-producing rental. The home was fully updated after Hurricane Michael with new siding, roof, windows, cabinets, countertops, and paint, giving it a fresh, modern look while keeping its coastal feel. Inside, you'll find tile flooring throughout, soft-close cabinets, quartz countertops, and an open layout that feels bright and inviting. It's being sold fully furnished and already has a strong rental history, bringing in nearly $50,000 in gross income in 2024 and $41,000 in 2023. Impact windows add peace of mind and energy efficiency, and the large fenced backyard is perfect for entertaining, relaxing, or even adding a pool. There's covered parking under the carport and extra space for a boat or golf cart. With its great rental performance, oversized lot, and prime location near beach access, 317 Canal Street checks all the boxes for easy living and solid investment potential. Call Today!
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Highlights

Listed by Carter L Dorsch , 850-624-7144 98 Real Estate Group, LLC , 850-648-2200. Bay County Association of REALTORS

Property Type

Residential
Lot/Acreage
0.34

Year Built

1980

County

Gulf

Area

07 - Gulf County

 Neighborhood

No Named Subdivision

Listing ID

791599

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:1
  • ▪ 1/2 Bathrooms:1
Appliances:Electric Oven, Electric Water Heater

Exterior Features

Lot:Paved
Lot Dimensions:99.0 ft x 150.0 ft
Zoning:Resid Single Family
Roof:Metal
Others:
  • ▪ Additional:Patio
Sewer:Public Sewer
Principal Interest
$2,154
Taxes
$209

Home Price

$389,900

Loan Details

30 yrs
7.374%

Down Payment

20%
$77,980
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:
$2,154.14

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,154.14 $208.55 $0.00 $2,362.69
Yearly $25,849.70 $2,502.60 $0.00 $28,352.30
Total $775,490.88 $75,078.00 $0.00 $850,568.88

Today's Rates

30 Year

7.37%

20 Year

7.27%

15 Year

6.8%

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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: 2026-10-07T08:07:44.000Z

© 2026 Bay County Association of REALTORS