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Harrison Lilly

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

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190 Needle Rush Dr , Port St Joe, FL 32456
$449,900
Est. Payment: $2,281.57/mo
3 Bed
3 Bath
1846 Sqft
Status: active | Days on site: 38
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Welcome to the Monroe, a new home floor plan located at Windmark Beach in Port St Joe, Florida. This floor plan features two stories with three bedrooms and two and a half bathrooms. The exterior of this home features a covered front porch on the main level and a covered balcony on the second level just off the primary bedroom. Both have waterviews of two charming ponds in the front and back of the home. Entering the foyer you are greeted with an open entry that leads to the grand living space with open concept design. The kitchen is open to the dining and living areas features a peninsula bar with space for seating. There is an appointed dining area that is surrounded with windows allowing for an abundance of natural light to filter through. Traditional 9' ceilings grace the living area which opens to the covered back porch where you can spend your mornings and evenings enjoying your coffee or beverage. The main level serves as the heart of the home with plenty of space and a powder room located just off the entry. The stairs leading to the second level are accessible from the living area and lead to all three bedrooms. As you reach the second level you are met with a landing with laundry area and shared bathroom. Two bedrooms are located at the back of the home and have spacious closets. The Primary bedroom is located overlooking the front lawn and has a private ensuite bathroom. Two large closets are located in the primary bedroom and offer plenty of space for your wardrobe needs. The primary bathroom has the feel of a private oasis with a large soak tub and a separate shower. The dual sink vanity offers lower cabinetry for storage. Enjoy a quiet evening with a charming water view on your covered balcony located off the primary bedroom.

Highlights

Listed by Mark A Miles , 850-641-7576 and Paul Hanlon , 850-517-7705 DR Horton Realty of Emerald Coast, LLC , 850-660-1701. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.13

HOA Fee

Year Built

2026

County

Gulf

Area

07 - Gulf County

Neighborhood

Windmark

Listing ID

792603

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Appliances:Electric Oven, Electric Water Heater, Plumbed For Ice Maker
Air Cond:Central Air
Fireplaces:
Other:
  • Additional:Double Vanity, Interior Steps, Smart Home, Soaking Tub, Separate Shower, Smart Thermostat, Upper Level Primary, Walk-In Closet(s)

Exterior Features

Lot:Sprinkler System,Paved
Lot Dimensions:50x95
Zoning:Resid Single Family
Roof:Shingle
Others:
  • Additional:Dock, Rain Gutters
Sewer:Public Sewer
Parking Features:Garage,Garage Door Opener
Principal Interest
$2,282
Taxes
$287
HOA
$0

Home Price

$449,900

Loan Details

30 yrs
6.528%

Down Payment

20%
$89,980
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:
$2,281.57

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,281.57 $286.81 $0.00 $2,568.38
Yearly $27,378.85 $3,441.74 $0.00 $30,820.59
Total $821,365.53 $103,252.05 $0.00 $924,617.58

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