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Harrison Lilly

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

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90 Mosaic Oaks Cir , Santa Rosa Beach, FL 32459
$410,000
Est. Payment: $2,079.44/mo
3 Bed
3 Bath
1871 Sqft
Status: active | Days on site: 139
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
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House Description

UNDER CONTRACT - 72HR KICK-OUT CLAUSE Coastal cottage charm meets everyday functionality in this well-maintained home in Mosaic Oaks, ideally located in Santa Rosa Beach. Offering 3 bedrooms and 2.5 baths, the layout features an open main living area with all bedrooms upstairs, including a primary suite with private balcony, walk-in closet, and spacious bath with dual vanities, soaking tub, and separate shower. Recent upgrades include a new HVAC (2025), new range, microwave, and dishwasher (2026), fresh interior paint (2026), new sod (2026), new LVP flooring upstairs (2022), and fencing (2022). Situated on an exterior lot, this home offers a private backyard backing to a natural wooded backdrop, complete with a fenced yard and screened porch for relaxed outdoor living. A one-car garage and no-carpet interior add everyday convenience. Enjoy the best of coastal living from Bay to Beach -- just minutes to bay access, parks, and approximately 10 minutes to 30A, Ed Walline Beach Access, and dining and shopping at Gulf Place.
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Highlights

Listed by Wendy L Wiggins , 850-225-5102 1 Percent Lists Florida Coast , 850-376-3865. Emerald Coast Multiple Listing Services

Property Type

Residential
Lot/Acreage
0.08

HOA Fee

Year Built

2014

County

Walton

Area

16 - North Santa Rosa Beach

 Neighborhood

Mosaic Oaks

Listing ID

998538

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:2
  • ▪ 1/2 Bathrooms:1
Appliances:Dishwasher, Dryer, Microwave, Oven Self Cleaning, Stove/Oven Electric, Washer, Water Heater - Elect
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Laminate,Floor Tile
Other:
  • ▪ Additional:Breakfast Bar, Pantry, Washer/Dryer Hookup

Exterior Features

Lot Dimensions:44X86
Zoning:Resid Single Family
Others:
  • ▪ Additional:Balcony, Fenced Back Yard, Porch Screened
Sewer:Public Sewer
Parking Features:Garage
Principal Interest
$2,079
Taxes
$139
HOA
$0

Home Price

$410,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$82,000
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:
$2,079.44

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,079.44 $138.52 $0.00 $2,217.96
Yearly $24,953.31 $1,662.22 $0.00 $26,615.53
Total $748,599.35 $49,866.60 $0.00 $798,465.95

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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