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Harrison Lilly

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

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399 Allen Loop Dr , Santa Rosa Beach, FL 32459
$2,490,000
Est. Payment: $12,627.50/mo
0 Bed
0 Bath
0 Sqft
Status: active | Days on site: 105
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Welcome to Oyster Lake Estate! 399 Allen Loop Dr encompasses 1.38 acres on one of the world's rare coastal dune lakes. This estate offers a level of privacy and space unrivaled on the lake. With water views, sunset-facing exposure, a 6-minute walk to the beach and exceptional parking capacity, this is a 30A opportunity unlikely to be replicated. Originally built in 1994 and updated over time, the residence offers over 3,000 square feet with 5 bedrooms and 4 full bathrooms, along with a versatile bonus room ideal for a game room, media space or additional living area. The layout is both comfortable and functional, ready to enjoy as-is or tailor to your vision. Perfectly positioned to embrace its surroundings, the home captures expansive views across Oyster Lake with the Gulf shimmering beyond, setting the stage for stunning sunsets each evening. Whether relaxing on the deck or in the heated, saltwater pool overlooking the lake, the setting feels immersive and serene. Inside, the primary suite, kitchen, living, and dining areas are all thoughtfully oriented to the water, creating a seamless connection between indoor and outdoor living. What further distinguishes this property is how effortlessly it blends lifestyle and functionality. A private dock on Oyster Lake invites easy days on the water, from paddleboarding at sunrise to kayaking at sunset. The residence itself sits high and dry in Flood Zone X, while the 1.38-acre homesite provides a level of privacy rarely found along 30A. A 3-car garage, parking for 11+ additional vehicles, and an RV pad with electric, water, and sewer hookups offer exceptional flexibility. Just a 6-minute walk to the beach, this home allows you to enjoy the 30A lifestyle without the hassle of public parking. Spend the morning on the sand, return home for lunch, and head back with ease. With three convenient access points to Highway 98, you'll also benefit from smooth connectivity without the typical traffic challenges. The views are protected, the setting is peaceful, and the combination of acreage, waterfront, and proximity to the Gulf is truly exceptional.

Highlights

Listed by Julie S Smith , 828-773-0028 Christies International Real Estate Emerald Coast , 850-213-2800. Emerald Coast Multiple Listing Services

Property Type

Vacant Land

Lot/Acreage
1.38

County

Walton

Area

17 - 30A West

Neighborhood

Dune Allen

Listing ID

1002211

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:0
  • Bathrooms:0
  • Full Bathrooms:

Exterior Features

Lot:Flood Insurance Req,Irregular,Wetlands,Within 1/2 Mile to Water,RV Lot,Coastal Dune Lakes
Lot Dimensions:irregular
Zoning:Resid Single Family
Sewer:Public Sewer
Principal Interest
$12,627
Taxes
$853

Home Price

$2,490,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$498,000
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:
$12,627.50

Principal

Taxes

Principal Taxes HOA Total
Monthly $12,627.50 $852.71 $0.00 $13,480.21
Yearly $151,529.98 $10,232.49 $0.00 $161,762.47
Total $4,545,899.47 $306,974.70 $0.00 $4,852,874.17

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

6%

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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: 2026-08-20T06:32:47.000Z

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