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Harrison Lilly Team

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

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295 Churchill Oaks Dr , Santa Rosa Beach, FL 32459
$3,795,000
Est. Payment: $20,966.83/mo
4 Bed
5 Bath
4124 Sqft
0.15 Acres
Status: Active | Days on site: 110
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Harrison Lilly Team
Owner/Operator

House Description

Home is where the heart is, and you'll quickly fall in love with Churchill Oaks. Nestled along Hogtown Bayou on the scenic Choctawhatchee Bay, this exclusive waterfront community offers over half a mile of shoreline and a private deep-water marina with boat slips. A rare opportunity exists to purchase separately a deeded 35-foot boat slip featuring a boat lift, providing convenient access to Choctawhatchee Bay and the Gulf beyond. This elegantly designed home is nestled among the beautifully landscaped grounds of Churchill Oaks, awaiting your arrival. Upon stepping into the foyer, you'll immediately appreciate the home's exceptional architectural beauty and thoughtful design. From the soaring ceilings and natural stone flooring that extend throughout the first floor to the elegant mirrored wet bar and refined custom finishes, every detail has been carefully curated to create an atmosphere of timeless sophistication and comfort. The seamless flow of the living spaces enhances both everyday living and entertaining, while abundant natural light highlights the home's exquisite craftsmanship. The kitchen is a chef's dream, featuring a Wolf six-burner gas range with griddle, separate refrigerator and freezer, a convenient coffee station, stunning quartzite countertops, and an impressive 12-foot island that serves as the perfect gathering place for family and guests alike. Just off the kitchen, you'll find a spacious butler pantry designed for both convenience and entertaining. This well-appointed space includes a second dishwasher, microwave, warming drawer, additional sink, and beverage refrigerator, making it easy to host large gatherings while keeping the main kitchen beautifully organized and functional. Step into the spacious living room and unwind by the inviting fireplace, beautifully framed by expansive windows that flood the space with natural light and offer tranquil views of the surrounding landscape. Just beyond, the rear porch provides a peaceful retreat for relaxing or entertaining while enjoying the beauty of nature. Take the elevator to the second floor, where wide-plank white oak flooring adds warmth and elegance throughout. This thoughtfully designed level features a spacious sitting area, a convenient breakfast bar, a laundry room, a private office with a fireplace, and three additional bedrooms. The home offers two luxurious primary suites, each highlighted by soaring 12-foot vaulted ceilings, creating a light and airy retreat. An additional guest bedroom provides comfortable accommodations for family and visitors. The main primary suite is a true sanctuary, featuring a spacious walk-in closet and a beautifully appointed ensuite bath with dual vanities, a soaking tub, and a separate walk-in shower, offering the perfect place to relax and unwind at the end of the day. Ideally situated near the community boardwalk, the home offers convenient access to the clubhouse, fitness center, resort-style pool, and private marina, allowing you to fully embrace the exceptional waterfront lifestyle Churchill Oaks offers.

Highlights

Listed by Linda R Campbell , 850-830-3173 Watersound Real Estate , 850-231-7792. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.15

HOA Fee

Year Built

2024

County

Walton

Area

16 - North Santa Rosa Beach

Neighborhood

Churchill Oaks

Listing ID

1005355

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:5
  • ▪ Full Bathrooms:4
  • ▪ 1/2 Bathrooms:1
Appliances:Auto Garage Door Opn, Dishwasher, Disposal, Dryer, Ice Machine, Microwave, Oven Self Cleaning, Range Hood, Refrigerator, Security System, Stove/Oven Gas, Washer, Wine Refrigerator, Water Heater - Tnkls
Air Cond:Central Air
Fireplaces:Fireplace Gas
Floor:Floor Hardwood,Floor Marble,Floor Tile
Other:
  • ▪ Additional:Ceiling Beamed, Ceiling Crwn Molding, Ceiling Vaulted, Elevator, Fireplace, Fireplace 2+, Kitchen Island, Lighting Recessed, Pantry, Wallpaper, Washer/Dryer Hookup, Wet Bar

Exterior Features

Lot:Covenants,Irregular,Survey Available,Within 1/2 Mile to Water
Lot Dimensions:164.51x100.80x113.3x27.62
Zoning:Resid Single Family
Others:
  • ▪ Additional:Rain Gutter, Fenced Back Yard, Sprinkler System, Summer Kitchen, Patio Covered, Patio Open, Porch, Porch Open, Porch Screened, Fenced Privacy
Principal Interest
$20,967
Taxes
$1,762
HOA
$0

Home Price

$3,795,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$759,000
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:
$20,966.83

Principal

Taxes

Principal Taxes HOA Total
Monthly $20,966.83 $1,761.51 $0.00 $22,728.34
Yearly $251,601.94 $21,138.08 $0.00 $272,740.02
Total $7,548,058.21 $634,142.40 $0.00 $8,182,200.61

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: 2026-10-07T11:00:03.000Z

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