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Harrison Lilly Team

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

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769 Old Ferry Rd , Santa Rosa Beach, FL 32459
$1,248,000
Est. Payment: $6,895.02/mo
5 Bed
3 Bath
3129 Sqft
0.7 Acres
Status: Active | Days on site: 16
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LPTR - B4367
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Harrison Lilly Team
Owner/Operator

House Description

Wake up to the sound of calm waters and birdsong on this breathtaking bayou-front property, with direct access to Choctawhatchee Bay right outside your back door. Tucked away on a lushly wooded .70-acre lot, this is the kind of rare, unspoiled waterfront setting that's nearly impossible to find in Santa Rosa Beach -- mature trees, total privacy, and stunning water views in every direction. Never-lived-in and built in 2025, this gorgeous 5-bedroom, 3-bath home delivers 3,129 square feet of coastal craftsmanship, complete with a boat dock, covered porch, 2-car garage, and designer finishes throughout. Launch from your backyard, fish from your own dock, or simply sit and watch the bayou come alive, (even dolphins have been spotted)-- this is peaceful, private waterfront living at its absolute finest. Just minutes from 30A beaches. From the moment you arrive, you'll be captivated by the home's inviting presence, new construction quality, and thoughtfully designed layout that blends comfort, function, and modern coastal style. Step inside to a light-filled open-concept floor plan featuring a welcoming foyer, a formal dining room, and a dedicated breakfast room perfect for both everyday living and entertaining. The expansive living area flows seamlessly into a chef-inspired kitchen with brand-new appliances, modern cabinetry, and premium finishes. A versatile bonus flex space offers the perfect opportunity for a home office, study, or media room, providing flexibility for today's lifestyle needs. The spacious primary suite offers a private retreat with spa-like features, while four additional bedrooms provide ample space for family, guests, or multi-generational living--all finished with clean, modern design and high-quality craftsmanship throughout. Enjoy true Florida waterfront living with both a large covered front porch and an expansive covered back porch, ideal for relaxing, entertaining, and enjoying peaceful water views and coastal breezes. The backyard flows naturally toward your private boat dock with direct access to the bay, making boating, fishing, paddleboarding, and sunset cruises effortless. Set on almost an expansive private lot, this property offers exceptional room for a future pool, outdoor kitchen, or custom outdoor oasis.

Highlights

Listed by Thalia K Bradley , 850-737-0205 LPT Realty LLC , 877-366-2213. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.7

HOA Fee

316.25 Quarterly

Year Built

2025

County

Walton

Area

12 - Walton County

Neighborhood

[No Recorded Subdiv]

Listing ID

795636

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:5
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:ENERGY STAR Qualified Appliances, Electric Cooktop, Electric Oven
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • ▪ Additional:Double Vanity, Main Level Primary, Smart Home, Soaking Tub, Separate Shower, Smart Thermostat, Walk-In Closet(s)

Exterior Features

Lot:Sprinkler System,Paved
Lot Dimensions:77.0 ft x 375.0 ft
Zoning:Resid Single Family
Roof:Shingle
Others:
  • ▪ Additional:Boat Slip, Dock
Sewer:Public Sewer
Principal Interest
$6,895
Taxes
$48
HOA
$316

Home Price

$1,248,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$249,600
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Monthly Price:
$6,895.02

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $6,895.02 $47.64 $316.25 $7,258.91
Yearly $82,740.24 $571.68 $3,795.00 $87,106.92
Total $2,482,207.29 $17,150.40 $113,850.00 $2,613,207.69

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 (Santa Rosa 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: 2026-10-07T02:14:18.000Z

© 2026 Bay County Association of REALTORS