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Harrison Lilly Team

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

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45 Town Rd , Rosemary Beach, FL 32461
$2,950,000
Est. Payment: $16,298.33/mo
3 Bed
3 Bath
1798 Sqft
0.06 Acres
Status: Active | Days on site: 19
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CPSFL2 - B9031
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Harrison Lilly Team
Owner/Operator

House Description

Welcome to 45 Town Road, where timeless coastal design, exceptional outdoor living, and one of Rosemary Beach's most convenient locations come together. A private entrance opens into an expansive paved courtyard, creating a beautiful extension of the home and an inviting setting for entertaining, dining, or unwinding after a day at the beach. With more than 600 square feet of covered porch space, this home was designed to embrace the indoor-outdoor lifestyle that makes Rosemary Beach so special. Inside, classic black-and-white tile, a grand staircase, vaulted ceilings, hardwood floors, and abundant natural light create a coastal aesthetic that feels both elevated and timeless. The white granite eat-in kitchen opens seamlessly to the living area, where doors lead directly onto the covered patio and private courtyard. A guest bedroom and full bath on the main level offer privacy and flexibility for family and guests. Upstairs, the primary suite features its own shaded balcony overlooking the tennis courts as well as access to a spacious covered porch overlooking the courtyard. A second upstairs ensuite with two queen beds provides generous accommodations for additional guests. Just steps from the clay tennis courts, fitness center, and Sky Pool, the location places some of Rosemary Beach's most desirable amenities practically outside your door. Beyond the home, enjoy private beach access, owners-only amenities including the Owners Only Pool and cabanas, and the ability to walk or bike to Rosemary's Town Center for dining, shopping, community events, and the unmistakable lifestyle that has made Rosemary Beach one of 30A's most coveted communities.

Highlights

Listed by Katilyn Scott , 850-819-5695 Compass Florida, LLC , 850-296-9769. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.06

HOA Fee

1592 Quarterly

Year Built

1999

County

Walton

Area

12 - Walton County

Neighborhood

Rosemary Beach

Listing ID

794699

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:Electric Cooktop, Electric Oven
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • ▪ Additional:Balcony, Double Vanity, Interior Steps, Upper Level Primary, Walk-In Closet(s)

Exterior Features

Lot:Paved
Lot Dimensions:36.0 ft x 80.0 ft
Zoning:Resid Single Family
Roof:Metal
Others:
  • ▪ Additional:Covered Patio, Deck, Patio
Sewer:Public Sewer
Parking Features:Paved
Principal Interest
$16,298
Taxes
$1,329
HOA
$1,592

Home Price

$2,950,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$590,000
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:
$16,298.33

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $16,298.33 $1,329.13 $1,592.00 $19,219.45
Yearly $195,579.90 $15,949.50 $19,104.00 $230,633.40
Total $5,867,397.03 $478,485.00 $573,120.00 $6,919,002.03

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 (Rosemary Beach, 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