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Harrison Lilly Team

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

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103 Native Tree Ln , Santa Rosa Beach, FL 32459
$1,195,000
Est. Payment: $6,602.20/mo
2 Bed
2 Bath
1221 Sqft
0.2 Acres
Status: Active | Days on site: 130
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Harrison Lilly Team
Owner/Operator

House Description

This contemporary 2-bedroom bay front bungalow is situated directly on Choctawhatchee Bay with direct water access and a private dock. The property features unobstructed views that stretch across the bay. The concrete block construction and 20-foot hurricane-grade windows provide durability while framing water vistas from nearly every angle. The open-concept living space flows to outdoor areas featuring a 75-foot dock with bay access and a firepit overlooking the water. The property includes generous storage and parking space for boats, kayaks, paddleboards, and recreational equipment. The modern kitchen and living area offer water views and a functional layout. Access fantastic dining, shopping and entertainment via water in Sandestin, the Destin Harbor, Saint Andrews Bay and more! Native Tree Lane is located in Santa Rosa Beach with proximity to the beaches of Grayton Beach, the shopping and dining destinations along 30A and Grand Boulevard, and the trails of Point Washington State Forest.

Highlights

Listed by Blankenship Watkins Advisory Group , 850-805-6100 Christies International Real Estate Emerald Coast , 850-213-2800. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.2

Year Built

2017

County

Walton

Area

19 - Point Washington

Neighborhood

Magnolia Beach

Listing ID

993469

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:2
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Dryer, Refrigerator, Stove/Oven Electric, Washer
Air Cond:Central Air
Fireplaces:

Exterior Features

Lot:Survey Available,Within 1/2 Mile to Water,Bay
Lot Dimensions:50x180
Zoning:Resid Single Family
Others:
  • ▪ Additional:Boatlift, Dock, Patio Covered
Principal Interest
$6,602
Taxes
$620

Home Price

$1,195,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$239,000
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:
$6,602.20

Principal

Taxes

Principal Taxes HOA Total
Monthly $6,602.20 $620.23 $0.00 $7,222.43
Yearly $79,226.43 $7,442.70 $0.00 $86,669.13
Total $2,376,793.03 $223,281.00 $0.00 $2,600,074.03

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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