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Harrison Lilly Team

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

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92 W Harborview Rd , Santa Rosa Beach, FL 32459
$699,000
Est. Payment: $3,861.87/mo
5 Bed
4 Bath
1992 Sqft
0.38 Acres
Status: Active | Days on site: 69
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EPNF - E28516,E35206
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Harrison Lilly Team
Owner/Operator

House Description

A Rare Three-Unit Opportunity with No HOA in Santa Rosa Beach! Opportunities like this are exceptionally hard to find -- Located at 92 W Harborview Road, this unique property offers three separate livable spaces, no HOA, and the flexibility to serve as a full-time residence, multi-generational family compound, or a long/short term rental investment! All together, the property features five bedrooms, two kitchens, and two living rooms. The detached guest house was fully renovated in 2021 and consists of two units fit with their own private entrances. Guest house interior photographs are not available as both are currently tenant occupied. The units may be viewed during scheduled showings. The spacious yard provides even more potential, with plenty of room to add a swimming pool and create a private outdoor oasis for entertaining, relaxing, or enhancing future rental appeal. The main home features a full kitchen and living room with 3 bedrooms and 2 full bathrooms. The guest house is split into two separate units. One unit has its own full kitchen and living room with 1 bedroom and 1 full bath. The second guest space is studio style with a kitchenette and 1 full bathroom. The location is equally impressive! Enjoy convenient proximity to the beautiful beaches of Santa Rosa Beach, shopping at Grand Boulevard, Ascension Sacred Heart Hospital, and more! However you dream up 92 W Harborview for yourself, this home is a truly rare investment and lifestyle opportunity!

Highlights

Listed by Taylor H Simpson , 850-333-2282 and Brooke A O'Keefe , 850-499-2031 Berkshire Hathaway Home Services PenFed Realty , 850-267-0013. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.38

Year Built

1977

County

Walton

Area

16 - North Santa Rosa Beach

Neighborhood

Driftwood Estates

Listing ID

1008701

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:5
  • ▪ Bathrooms:4
  • ▪ Full Bathrooms:4
Appliances:Dishwasher, Disposal, Dryer, Microwave, Refrigerator W/IceMk, Smoke Detector, Stove/Oven Electric, Washer, Water Heater - Elect
Air Cond:Central Air
Fireplaces:
Floor:Floor Tile
Other:
  • ▪ Additional:Ceiling Vaulted, Fireplace, Guest Quarters, Lock Out, Pantry, Washer/Dryer Hookup

Exterior Features

Lot:Corner,Within 1/2 Mile to Water
Lot Dimensions:150' x 112'
Zoning:Resid Multi-Family, Resid Single Family
Others:
  • ▪ Additional:Separate Living Area, Sprinkler System, Deck Covered, Patio Open, Fenced Lot-Part
Sewer:Public Sewer
Principal Interest
$3,862
Taxes
$377

Home Price

$699,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$139,800
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:
$3,861.87

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,861.87 $377.32 $0.00 $4,239.20
Yearly $46,342.49 $4,527.89 $0.00 $50,870.38
Total $1,390,274.75 $135,836.70 $0.00 $1,526,111.45

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: 2026-10-07T00:53:56.000Z

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