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Harrison Lilly

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

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404 Defuniak St , Santa Rosa Beach, FL 32459
$1,450,000
Est. Payment: $7,353.36/mo
2 Bed
2 Bath
896 Sqft
Status: pending | Days on site: 3
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

The Heart of Historic Grayton Beach Step back into a simpler time with this quintessential ''Old Florida'' beach cottage, tucked away in the heart of historic Grayton Beach. Capturing the soulful, laid-back essence of the area, this charming 2-bedroom, 2-bathroom retreat beautifully preserves nostalgic coastal character while serving as a proven income-producing rental. The cozy interior comfortably accommodates guests with a rare and luxurious setup featuring two spacious bedrooms, each boasting a plush King-size bed, plus a flexible double sofa bed in living room. Two full baths with walk-in showers and a fully equipped kitchen make beach living effortless. Modern Potential meets Coastal Nostalgia While the cottage provides immediate historic charm and steady rental revenue, the true prize is the premium land it sits on. This exceptional lot holds the ultimate long-term value, offering a rare canvas in a highly sought-after location. Whether you choose to lovingly expand and enhance the existing cottage or start fresh to design and build your ultimate custom coastal masterpiece, the possibilities are endless. Live the classic local Grayton lifestyle today while building your dream for tomorrow. Call to schedule your private showing.

Highlights

Listed by Murray Balkcom , 850-830-2475 and Krystal S Beauchamp , 850-814-8287 30A Local Real Estate , 850-213-3048. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.12

Year Built

1988

County

Walton

Area

17 - 30A West

Neighborhood

Grayton Beach

Listing ID

1004302

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Dishwasher, Dryer, Microwave, Refrigerator, Smooth Stovetop Rnge, Stove/Oven Electric, Washer, Water Heater - Gas, Water Heater - Tnkls
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Hardwood,Floor Tile
Other:
  • Additional:Ceiling Cathedral, Woodwork Painted

Exterior Features

Lot:Interior,Survey Available,Within 1/2 Mile to Water
Lot Dimensions:50X100
Zoning:Resid Single Family
Others:
  • Additional:Shower, Porch, Porch Screened, Fenced Lot-Part
Sewer:Public Sewer
Principal Interest
$7,353
Taxes
$1,034

Home Price

$1,450,000

Loan Details

30 yrs
6.528%

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:
$7,353.36

Principal

Taxes

Principal Taxes HOA Total
Monthly $7,353.36 $1,034.46 $0.00 $8,387.82
Yearly $88,240.35 $12,413.50 $0.00 $100,653.85
Total $2,647,210.53 $372,405.00 $0.00 $3,019,615.53

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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