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Harrison Lilly Team

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

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43 Sand Dunes Rd , Santa Rosa Beach, FL 32459
$1,995,000
Est. Payment: $11,022.09/mo
4 Bed
4 Bath
2100 Sqft
0.26 Acres
Status: Active | Days on site: 217
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Harrison Lilly Team
Owner/Operator

House Description

Located in a prestigious Blue Mountain Beach neighborhood with dedicated beach access, this fully furnished 4-bedroom, 3.5-bath home offers versatility for full-time living, a second home retreat, or a rental investment. The remodeled home boasts a new roof in 2025. Currently on a rental program with solid performance and upcoming bookings in place, it provides flexibility from day one. The open-concept main level connects the living, dining, and chef's kitchen featuring GE Café appliances and generous prep space. A full guest bedroom and marble-tiled bath are located downstairs for convenience. Upstairs includes a private guest suite with balcony and a spacious primary suite with marble flooring, oversized marble shower, dual patio access, and an owner's closet. A bunk room increases overall sleeping capacity. All bathrooms feature marble-tiled showers and quartz counters. The fully fenced backyard is designed for both privacy and gathering, centered around a heated chlorine pool with a new 2026 heater, outdoor shower, firepit, and a dedicated pool house designed with entertaining in mind, complete with a half bath. The layout creates a true indoor-outdoor living experience. Key updates include a 2025 tile roof, 5-6-year-old HVAC, 3-year tankless water heater, security system, sprinkler system, finished garage floors, and a 2025 beverage chiller. A two-car garage plus driveway and front parking provides space for 8 to 9 vehicles, a rare advantage in this area. Whether you are seeking a primary residence near the beach, a second home with room to host, or a property with rental potential, this Blue Mountain Beach home delivers location, infrastructure, and flexibility in one complete package. All information is deemed reliable and provided for informational purposes; buyers are encouraged to independently verify all details.

Highlights

Listed by The Bobby J Team , 850-865-7798 EXP Realty LLC , 850-213-4091. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.26

Year Built

1996

County

Walton

Area

17 - 30A West

Neighborhood

Blue Mountain Beach

Listing ID

996006

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:4
  • ▪ Full Bathrooms:3
  • ▪ 1/2 Bathrooms:1
Appliances:Dishwasher, Disposal, Microwave, Refrigerator, Stove/Oven Electric, Water Heater - Elect
Air Cond:Central Air
Fireplaces:
Floor:Floor Hardwood,Floor Tile
Other:
  • ▪ Additional:Breakfast Bar, Ceiling Raised, Fireplace, Kitchen Island, Lock Out, Pantry, Washer/Dryer Hookup

Exterior Features

Lot:Within 1/2 Mile to Water
Lot Dimensions:75x150
Zoning:Resid Single Family
Others:
  • ▪ Additional:Balcony, Fenced Back Yard, Pool - House, Shower, Sprinkler System, Deck Open, Fenced Privacy
Sewer:Septic Tank
Parking Features:Garage
Principal Interest
$11,022
Taxes
$962

Home Price

$1,995,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$399,000
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:
$11,022.09

Principal

Taxes

Principal Taxes HOA Total
Monthly $11,022.09 $961.79 $0.00 $11,983.87
Yearly $132,265.05 $11,541.43 $0.00 $143,806.48
Total $3,967,951.55 $346,242.90 $0.00 $4,314,194.45

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 Emerald Coast Multiple Listing Services, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-10-07T06:31:40.000Z

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