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Harrison Lilly

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

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106 Williams St , Santa Rosa Beach, FL 32459
$1,450,000
Est. Payment: $7,354.13/mo
2 Bed
3 Bath
1600 Sqft
Status: active | Days on site: 25
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Built in 2022 and custom-designed by its owner, this charming coastal cottage captures the relaxed spirit of life south of Scenic Highway 30A. Positioned on a corner lot in the sought-after Eastern Lake neighborhood, beside a protected wooded greenspace that will never be built on, the home offers a peaceful setting just a short stroll from the Gulf of Mexico and the Eastern Lake Neighborhood Beach Access. Designed in the spirit of a classic beach-cottage community, the neighborhood's homes back up to greenspace with rear porches and a pedestrian path that winds gently down to the beach. Thoughtfully crafted by a commercial builder, the residence pairs exceptional construction with timeless cottage character, creating a turnkey retreat equally suited as a full-time residence, second home or proven investment property. Spanning approximately 1,800 square feet, the two-story home features two bedrooms, 2½ baths and a custom-built bunk nook tucked into the second-floor landing, providing additional sleeping space without sacrificing the home's open feel. Hardwood flooring extends throughout, while abundant windows fill the interiors with natural light. The inviting main living area flows seamlessly into the dining space and beautifully appointed kitchen, where quartz countertops, a center island with seating, stainless steel appliances, a gas range, woven shades and rattan pendant lighting create an atmosphere that is both stylish and functional. A striking floating wood-and-steel staircase serves as a focal point, adding contemporary character to the home's coastal aesthetic. Multiple covered porches encourage effortless outdoor living, including a private side-entry porch set alongside the wooded greenspace, offering inviting spaces for morning coffee, afternoon breezes or evening gatherings after a day at the beach. The primary suite provides a peaceful escape with elegant designer wallpaper, a luxurious private bath and its own private balcony overlooking the arched pathway that leads to the beach. The guest suite features two queen beds, a nearby shared bath and its own large roofed balcony overlooking the shaded front yard from the second floor, while the built-in twin bunks provide an ideal retreat for younger guests. The yard is surrounded by mature landscaping and highlighted by a charming garden arbor, creating a private outdoor sanctuary with room to relax, grill and entertain. With four parking spaces, stacked front and rear porches and a quiet wooded setting, every detail has been thoughtfully considered. Located in the heart of Seagrove Beach, residents enjoy easy access to the beach, scenic biking trails, kayaking and paddleboarding on one of South Walton's treasured coastal dune lakes, as well as fishing, swimming and the renowned shopping and dining destinations along 30A. Combining quality craftsmanship, abundant natural light and an exceptional location just moments from the gulf, this beautifully maintained coastal cottage offers an outstanding opportunity to enjoy the best of life along the Emerald Coast.

Highlights

Listed by Nina D McCaslin-Horn , 850-685-0198 Scenic Sotheby's International Realty , 850-231-6052. Emerald Coast Multiple Listing Services

Property Type

Residential

HOA Fee

Year Built

2022

County

Walton

Area

18 - 30A East

Neighborhood

EASTERN LAKE Dalton Unrecorded S/D

Listing ID

1006911

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:3
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Appliances:Cooktop, Dishwasher, Disposal, Dryer, Microwave, Refrigerator, Smoke Detector, Stove/Oven Gas, Washer, Water Heater - Gas
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Hardwood,Floor Tile
Other:
  • Additional:Breakfast Bar, Hallway Bunk Beds, Kitchen Island, Lighting Recessed, Lock Out, Newly Painted, Owner's Closet, Pantry, Shelving, Wallpaper, Woodwork Painted

Exterior Features

Lot:Corner,Covenants,Within 1/2 Mile to Water,Wooded,See Remarks
Lot Dimensions:55 x 150
Zoning:Resid Single Family
Others:
  • Additional:Rain Gutter, Balcony, Porch Open
Sewer:Public Sewer
Principal Interest
$7,354
Taxes
$726
HOA
$0

Home Price

$1,450,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$290,000
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:
$7,354.13

Principal

Taxes

Principal Taxes HOA Total
Monthly $7,354.13 $725.68 $0.00 $8,079.80
Yearly $88,249.52 $8,708.14 $0.00 $96,957.66
Total $2,647,485.51 $261,244.20 $0.00 $2,908,729.71

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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