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Harrison Lilly

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

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785 Old Ferry Rd , Santa Rosa Beach, FL 32459
$1,278,000
Est. Payment: $6,481.77/mo
5 Bed
3 Bath
3129 Sqft
Status: active | Days on site: 100
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Wake up to the sound of still water and birdsong on this breathtaking bayou-front property, with direct access to Choctawhatchee Bay right outside your back door. Tucked away on a lushly wooded .70-acre lot, this is the kind of rare, unspoiled waterfront setting that's nearly impossible to find in Santa Rosa Beach -- mature trees, total privacy, and stunning water views in every direction. Never-lived-in and built in 2025, this gorgeous 5-bedroom, 3-bath home delivers 3,129 square feet of coastal craftsmanship, complete with a covered boat lift/dock, covered porch, 2-car garage, and designer finishes throughout. Launch from your backyard, fish from your own dock, or simply sit and watch the bayou come alive, (even dolphins have been spotted)-- this is peaceful, private waterfront living at its absolute finest. Just minutes from 30A beaches and the sugar white sand! From the moment you arrive, you'll be captivated by the home's inviting presence, new construction quality, and thoughtfully designed layout that blends comfort, function, and modern coastal style.Step inside to a light-filled open-concept floor plan featuring a welcoming foyer, a formal dining room, and a dedicated breakfast room perfect for both everyday living and entertaining. The expansive living area flows seamlessly into a chef-inspired kitchen with brand-new appliances, modern cabinetry, and premium finishes. A versatile bonus flex space offers the perfect opportunity for a home office, study, or media room, providing flexibility for today's lifestyle needs. The spacious primary suite offers a private retreat with spa-like features, while four additional bedrooms provide ample space for family, guests, or multigenerational living--all finished with clean, modern design and high-quality craftsmanship throughout. Enjoy true Florida waterfront living with both a large covered front porch and an expansive covered back porch, ideal for relaxing, entertaining, and enjoying peaceful water views and coastal breezes. The backyard flows naturally toward your private boat dock with direct access to the bay, making boating, fishing, paddle boarding, and sunset cruises effortless. Set on almost an expansive private lot, this property offers exceptional room for a future pool, outdoor kitchen, or custom outdoor oasis. Newly Installed boat dock and lift for deep water access to the bay. Please see the home listed at 769 Old Ferry to view the home with furnishings.

Highlights

Listed by Thalia K Bradley , 850-737-0205 LPT Realty LLC , 877-366-2213. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.7

HOA Fee

Year Built

2025

County

Walton

Area

19 - Point Washington

Neighborhood

Holley Grove at Peach Grove

Listing ID

1000635

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:5
  • Bathrooms:3
  • Full Bathrooms:3
Appliances:Auto Garage Door Opn, Dishwasher, Disposal, Microwave, Oven Self Cleaning, Smooth Stovetop Rnge, Warranty Provided, Water Heater - Elect
Air Cond:Central Air
Fireplaces:
Floor:Floor Laminate,Floor Tile,Floor Vinyl
Other:
  • Additional:Breakfast Bar, Ceiling Crwn Molding, Ceiling Tray/Cofferd, Kitchen Island, Pantry, Split Bedroom, Washer/Dryer Hookup

Exterior Features

Lot:Aerials/Topo Availbl,Level,Within 1/2 Mile to Water,See Remarks,Bay,Creek
Lot Dimensions:77x375
Zoning:Resid Single Family
Others:
  • Additional:Boatlift, Dock, Sprinkler System, Patio Covered
Sewer:Public Sewer
Principal Interest
$6,482
Taxes
$48
HOA
$0

Home Price

$1,278,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$255,600
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:
$6,481.77

Principal

Taxes

Principal Taxes HOA Total
Monthly $6,481.77 $47.64 $0.00 $6,529.41
Yearly $77,781.30 $571.68 $0.00 $78,352.98
Total $2,333,438.95 $17,150.40 $0.00 $2,350,589.35

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

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