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Harrison Lilly

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

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38 Pin Oak Loop , Santa Rosa Beach, FL 32459
$539,900
Est. Payment: $2,738.27/mo
4 Bed
2 Bath
2103 Sqft
Status: active | Days on site: 4
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
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House Description

2.875% Assumable Loan! (Do not have to be a Veteran) This is a once-in-a-lifetime rate! Current PITI: $2813.11. Current Balance on Mortgage: $446,075.70 - See documents for details. Major Upgrades & Move-In Ready! Enjoy complete peace of mind with a brand-new HVAC system (2025), a brand-new roof being installed August 17, 2026, a newer water heater (2024) and a fresh concrete patio in the rear, perfect for outdoor entertaining! Situated on one of the larger, premium lots in the highly desirable Driftwood Estates, this spacious 4-bedroom, 2-bathroom home features a thoughtful split-floor-plan design with elegant trey ceilings and custom crown molding throughout. The open-concept living, dining, and kitchen area centers around beautiful granite countertops--ideal for everyday living and effortless hosting. Unwind in the generous master suite, complete with an expansive walk-in closet and a private master bath featuring a deep soaking tub and separate shower. Rounding out the property is a 2-car garage equipped with built-in cabinet storage. Don't miss this incredible opportunity to own an updated home with an unbeatable low interest rate!
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Highlights

Listed by Joseph F Godar , 513-708-3071 Realty ONE Group Emerald Coast , 850-842-3211. Emerald Coast Multiple Listing Services

Property Type

Residential
Lot/Acreage
0.21

HOA Fee

Year Built

2013

County

Walton

Area

16 - North Santa Rosa Beach

 Neighborhood

Driftwood Estates

Listing ID

1009840

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Dishwasher, Disposal, Microwave, Range Hood, Refrigerator W/IceMk, Water Heater - Elect
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Other:
  • ▪ Additional:Breakfast Bar, Ceiling Crwn Molding, Lighting Recessed, Washer/Dryer Hookup

Exterior Features

Lot:Covenants,Flood Insurance Req
Lot Dimensions:95x138x44x125
Zoning:Resid Single Family
Others:
  • ▪ Additional:Lawn Pump, Sprinkler System, Patio Covered, Fenced Privacy
Sewer:Public Sewer
Principal Interest
$2,738
Taxes
$328
HOA
$0

Home Price

$539,900

Loan Details

30 yrs
6.529%

Down Payment

20%
$107,980
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:
$2,738.27

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,738.27 $327.96 $0.00 $3,066.23
Yearly $32,859.25 $3,935.49 $0.00 $36,794.74
Total $985,777.54 $118,064.70 $0.00 $1,103,842.24

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

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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: 2026-08-20T07:16:22.000Z

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