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Harrison Lilly Team

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

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102 Churchill Dr , Santa Rosa Beach, FL 32459
$2,295,000
Est. Payment: $12,679.54/mo
6 Bed
5 Bath
3476 Sqft
1.38 Acres
Status: Active | Days on site: 181
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Harrison Lilly Team
Owner/Operator

House Description

MOTIVATED SELLERS -- A WATERFRONT PROPERTY THAT IS NEARLY IMPOSSIBLE TO DUPLICATE THIS CLOSE TO 30A. When comparing this home to others in the area, don't compare square footage alone. The real value is in what comes with it: 1.38 private, gated and fenced acres, 176 feet of bayou frontage, a private dock with boat lift, enclosed pool and hot tub, three-car garage, a custom home completed in 2021, room to expand, and no active HOA--all just 3.8 miles from 30A. In a market where many properties offer a fraction of the land, this estate gives you something increasingly difficult to find: SPACE. Space between you and your neighbors. Space for kids, pets, boats and toys. Space to entertain. And space to create something even more special. The sellers intentionally kept much of the property wooded because they valued the privacy. A future owner could preserve that secluded feel or selectively clear portions of the property to open additional water views and create even more usable outdoor space. And unlike many properties where you're buying close to the property's full potential, there is still opportunity here. Expand the existing home, create guest quarters or a carriage house, enhance the waterfront views, or simply enjoy the acreage exactly as it is. The home itself checks nearly every box: • 4 Bedrooms + 2 Bonus Rooms • 4.5 Bathrooms " First-Floor Primary Suite " Two Laundry Rooms " Three-Car Garage " Marble Countertops + Gas Range " Oversized Walk-In Pantry " Tankless Water Heater " Irrigation System " Room to Expand or Add Guest Quarters/Carriage House " Private Road " No Active HOA " Built in 2021 " Only 3.8 Miles to 30A The question isn't simply what you're buying today--it's how difficult and costly it would be to recreate this combination of land, waterfront, privacy, amenities and proximity to 30A. With neighboring homes reaching well over $4 million, this property offers a compelling opportunity for a buyer who recognizes the value of land and waterfront. SELLERS ARE MOTIVATED AND CONSIDERING ALL REASONABLE OFFERS.

Highlights

Listed by Jilenna D Parmeley , 850-259-5144 RealJoy Realty LLC , 850-290-8060. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
1.38

Year Built

2021

County

Walton

Area

16 - North Santa Rosa Beach

Neighborhood

Churchill Bayou Estates

Listing ID

999155

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:6
  • ▪ Bathrooms:5
  • ▪ Full Bathrooms:4
  • ▪ 1/2 Bathrooms:1
Appliances:Dishwasher, Ice Machine, Refrigerator, Refrigerator W/IceMk, Smoke Detector, Stove/Oven Gas, Water Heater - Elect
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Other:
  • ▪ Additional:Ceiling Crwn Molding, Ceiling Raised, Ceiling Tray/Cofferd, Kitchen Island, Pantry, Washer/Dryer Hookup

Exterior Features

Lot:Dead End,Bay,Bayou
Lot Dimensions:See Survey
Zoning:Resid Single Family
Others:
  • ▪ Additional:Rain Gutter, Boatlift, Fenced Back Yard, Hot Tub, Pool - Enclosed, Patio Covered, Porch, Porch Screened
Sewer:Public Sewer
Parking Features:Garage,Boat,Oversized
Principal Interest
$12,680
Taxes
$642

Home Price

$2,295,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$459,000
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:
$12,679.54

Principal

Taxes

Principal Taxes HOA Total
Monthly $12,679.54 $641.76 $0.00 $13,321.30
Yearly $152,154.53 $7,701.07 $0.00 $159,855.60
Total $4,564,636.00 $231,032.10 $0.00 $4,795,668.10

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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