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Harrison Lilly

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

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204 Pinnacle Dr , Port St Joe, FL 32456
$1,259,000
Est. Payment: $6,385.41/mo
5 Bed
4 Bath
2298 Sqft
Status: pending | Days on site: 25
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

COASTAL LUXURY IN OVATION. This impeccably crafted 5-bedroom, 3.5-bath home is a showcase of architectural elegance, thoughtful design, and effortless beachside charm. From the moment you arrive, you'll be captivated by its stately presence and inviting wraparound porches that beckon you to unwind while soaking in panoramic views of the sparkling St. Joe Bay. Step inside to discover an open-concept layout filled with natural light, refined finishes, and a perfect blend of modern sophistication and relaxed coastal style. The main living area is ideal for entertaining, with seamless flow between the gourmet kitchen, dining, and spacious living room--all opening to expansive balconies that make every sunrise and sunset feel like a private show. Every detail is meticulously curated, from the sleek flooring and upscale fixtures to the coastal hues that mirror the beauty of the surrounding waters. The oversized garage offers room for multiple vehicles, a golf cart, and all your beach and bay gear. Whether launching a kayak from the private bayfront beach or enjoying deeded access to the Gulf's sugar-white sands just across the street, this home offers the best of both shores. Located within Ovation, one of Cape San Blas' most exclusive gated communities, you'll enjoy world-class amenities including bayfront and Gulf-side pools, a state-of-the-art fitness center, tennis courts, a fire pit lounge, fishing piers, and direct boardwalk access to pet-friendly beaches. Two bayside docks cater to boating and paddle enthusiasts, while lush landscaping and winding trails provide a tranquil backdrop for your everyday escape. Perfect as a full-time residence, luxurious vacation getaway, or high-end rental investment, this home delivers a lifestyle few can match. Take in all that nature has to offer just a short drive to nearby St Joseph State Park, rated number one in America, twice! Call for your private tour & LIVE THE BEACH LIFE!

Highlights

Listed by Kaye Haddock , 850-299-0086 Beach Properties Real Estate , 850-227-2500. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.12

HOA Fee

3100 Annually

Year Built

2024

County

Gulf

Area

07 - Gulf County

Neighborhood

Ovation

Listing ID

792148

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:5
  • Bathrooms:4
  • Full Bathrooms:3
  • 1/2 Bathrooms:1
Appliances:Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Balcony, Interior Steps, Shower Only, Upper Level Primary, Walk-In Closet(s), Storage

Exterior Features

Lot:Paved
Lot Dimensions:50.9 x 102.6
Zoning:County, Resid Single Family
Roof:Metal
Others:
  • Additional:Deck, Outdoor Shower
Sewer:Public Sewer
Principal Interest
$6,385
Taxes
$803
HOA
$3,100

Home Price

$1,259,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$251,800
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:
$6,385.41

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $6,385.41 $802.61 $3,100.00 $10,288.02
Yearly $76,624.93 $9,631.35 $37,200.00 $123,456.28
Total $2,298,747.76 $288,940.50 $1,116,000.00 $3,703,688.26

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