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Harrison Lilly

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

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130 Mosaic Oaks Cir , Santa Rosa Beach, FL 32459
$429,900
Est. Payment: $2,180.37/mo
3 Bed
3 Bath
1772 Sqft
Status: active | Days on site: 77
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Welcome to 130 Mosaic Oaks Circle, an impeccable 3-bedroom, 2.5-bath residence nestled within the charming and peaceful community of Mosaic Oaks in the heart of Santa Rosa Beach. Meticulously maintained and beautifully appointed, this home offers the perfect blend of comfort, style, and convenience for full-time living, a second home, or a turnkey coastal retreat.From the moment you arrive, you'll appreciate the exceptional curb appeal, lush landscaping, and attention to detail throughout. Inside, the home showcases premium upgrades, coastal-modern furnishings, and designer décor that create a warm and inviting atmosphere. Being sold FULLY FURNISHED OR UNFURNISHED and completely turnkey, every detail has been taken care of, allowing you to begin enjoying the Florida lifestyle immediately. Two separate HVAC systems--serving the upstairs and downstairs independently--provide enhanced comfort and efficiency year-round.Step outside to discover your own private backyard sanctuary. Designed for effortless outdoor living, this stunning space features a new deck, fire pit, sunshade, umbrellas, outside furniture that is also included in the sale.Located just minutes from the sugar-white sands and emerald waters of the Gulf, residents enjoy easy access to world-class shopping, dining, entertainment, and some of the area's most highly regarded schools. If you are looking for a perfect case scenario in your next property search, you OWE IT TO YOURSELF to see this home!!!

Highlights

Listed by Scott S Suber , 850-830-3266 Beach Haven Realty LLC , 770-596-6599. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.09

HOA Fee

Year Built

2015

County

Walton

Area

16 - North Santa Rosa Beach

Neighborhood

Mosaic Oaks

Listing ID

1004412

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Appliances:Dishwasher, Disposal, Dryer, Microwave, Refrigerator W/IceMk, Smoke Detector, Stove/Oven Electric, Washer
Air Cond:Ceiling Fans
Fireplaces:
Floor:Floor Tile,Floor WW Carpet
Other:
  • Additional:Lighting Recessed, Newly Painted, Pantry

Exterior Features

Lot Dimensions:45x90
Zoning:Resid Single Family
Others:
  • Additional:BBQ Pit/Grill, Fenced Back Yard, Porch, Fenced Privacy
Sewer:Public Sewer
Principal Interest
$2,180
Taxes
$228
HOA
$0

Home Price

$429,900

Loan Details

30 yrs
6.529%

Down Payment

20%
$85,980
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:
$2,180.37

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,180.37 $228.16 $0.00 $2,408.53
Yearly $26,164.46 $2,737.94 $0.00 $28,902.40
Total $784,933.81 $82,138.20 $0.00 $867,072.01

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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