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Harrison Lilly Team

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

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34 Chivas Lane # 104c , Santa Rosa Beach, FL 32459
$950,000
Est. Payment: $5,248.61/mo
2 Bed
2 Bath
1148 Sqft
Status: Active | Days on site: 87
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EALB - E27606,E25512
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Harrison Lilly Team
Owner/Operator

House Description

A rare opportunity to own GULF-FRONT on 30A under $1M--complete with private beach, exceptional Gulf views, low-density living and one of the largest pools along 30A. Following an extensive property-wide transformation, approximately $58,000 has already been invested by the sellers toward community improvements, with no current special assessments pending. Perfectly positioned in the center of Building C, 104C enjoys an exceptional Gulf-front vantage point while maintaining a wonderful sense of privacy. The spacious balcony is a true extension of the living space--ideal for dining, relaxing and taking in sweeping Gulf views. Wake up to the Gulf from the primary bedroom, too. This is one you simply have to see in person. Built with substantial concrete construction, the community has been extensively weatherproofed with new windows, doors and exterior improvements--offering added peace of mind for coastal ownership. And 104C delivers the conveniences that make it feel like home: deeded covered parking near the elevator, dedicated exterior storage, easy access to the clubhouse, and two complimentary beach-chair sets for qualifying non-rental owners. With approximately 300 feet of Gulf frontage, just 81 residences across three buildings, private beach access and acres of coastal property, Dunes of Seagrove offers a sense of space increasingly rare along 30A. Updated, private and truly Gulf-front--all under $1M. Its central orientation provides effortless access to amenities while maintaining a sense of privacy and tranquility, enhanced by the community's low-rise design. Here, residents enjoy a more exclusive coastal experience without compromising the sweeping Gulf views and open sightlines that define 30A living. A rare, deeded covered parking space, and virtually zero elevator wait time makes this the perfect primary, or secondary home! The residence itself has been thoughtfully renovated to deliver a truly turnkey experience. A comprehensive 2020 interior transformation includes updated flooring, fully renovated bathrooms, an upgraded kitchen with new countertops and appliances, modern fixtures, and all-new furnishings throughout. Additional improvements include new plumbing and fixtures, a brand-new water heater, and a recently replaced HVAC system (October 2024). Designed for both personal enjoyment and investment performance, the spacious two-bedroom layout presents a proven, income-producing opportunity within one of 30A's most desirable Gulf-front communities. It offers an unforgettable coastal experience that leaves a lasting sense of place--one that naturally calls guests, friends, and family back time and time again. Beyond the residence, the building has undergone significant capital improvements, including full waterproofing, new impact-rated windows and doors, updated railings, and fresh exterior paint--ensuring long-term structural integrity and lasting quality. Ongoing enhancements, including new landscaping and pool area refinements, will further elevate the community, offering the feel of a newly completed resort without the extended timeline. Ideally located along Scenic Highway 30A, the setting is both rare and irreplaceable--placing you just moments from private beach access to the Gulf's emerald waters, as well as the unique beauty of Eastern Lake and the protected expanse of Deer Lake State Park. Renowned dining destinations including Café Thirty-A, Perfect Pig, and Old Florida Fish House with music and entertainment are all within easy reach by bike or foot, allowing for a truly connected coastal lifestyle. Residents of Dunes of Seagrove enjoy an impressive suite of resort-style amenities, including a 7,500-square-foot multi-level lagoon pool with waterfall, hot tub, expansive sundecks, tennis and pickleball courts, fitness center, sauna, steam room, EV charging, and a welcoming lobby with gathering spaces. Combined with private beach access and a notably uncrowded shoreline, this offering represents a rare opportunity to own within a fully revitalized, amenity-rich Gulf-front community along 30A--seamlessly blending lifestyle, investment potential, and the ease of turnkey ownership. Make this your new home away from home!

Highlights

Listed by Bridgett L Hall-Cotton , 850-381-7443 and Wade Cotton , 334-208-7628 A List Beach Realty LLC , 404-259-8333. Emerald Coast Multiple Listing Services

Property Type

Condo/Townhome

HOA Fee

Year Built

2002

County

Walton

Area

18 - 30A East

Neighborhood

Dunes Of Seagrove

Listing ID

1007402

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:2
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Dishwasher, Dryer, Microwave, Refrigerator, Smoke Detector, Stove/Oven Electric, Washer, Water Heater - Elect
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Vinyl
Other:
  • ▪ Additional:Breakfast Bar, Ceiling Crwn Molding, Woodwork Painted

Exterior Features

Lot:Unit Waterfront,Gulf
Others:
  • ▪ Additional:Balcony
Sewer:Public Sewer
Parking Features:Garage,Covered
Principal Interest
$5,249
Taxes
$531
HOA
$0

Home Price

$950,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$190,000
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Monthly Price:
$5,248.61

Principal

Taxes

Principal Taxes HOA Total
Monthly $5,248.61 $530.97 $0.00 $5,779.58
Yearly $62,983.36 $6,371.60 $0.00 $69,354.96
Total $1,889,500.74 $191,148.00 $0.00 $2,080,648.74

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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