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Harrison Lilly Team

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

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15 Channel Shoal Dr Lot 22 , Santa Rosa Beach, FL 32459
$921,125
Est. Payment: $5,089.08/mo
5 Bed
5 Bath
3103 Sqft
0.32 Acres
Status: Active | Days on site: 46
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Harrison Lilly Team
Owner/Operator

House Description

ESTIMATED COMPLETION DECEMBER 2026 & $10K FLEX CASH AVAILABLE! Welcome to The Shoal, a thoughtfully designed community where tranquility, privacy, and everyday convenience come together. Nestled along the fringes of Point Washington State Park, this intimate neighborhood features just 30 carefully planned homesites, with approximately half backing directly to the state park. The result is a peaceful setting that offers a rare sense of privacy and a seamless connection to the natural beauty of the area. Ideally located just a short drive from Seaside, Grayton Beach, and the iconic 30A corridor, The Shoal places you near some of the Emerald Coast's most sought-after beaches, dining, shopping, and entertainment while providing a quiet retreat to call home. The community's thoughtful design embraces its surroundings with earthy architectural tones, natural landscaping, and a serene community pond. The Trenton floor plan offers 5 bedrooms and 4.5 baths with a spacious, open-concept layout designed for both comfortable everyday living and effortless entertaining. The first floor features a private primary suite, versatile flex space, convenient half bath, and bright sunroom that extends the main living area. Upstairs, a generous loft provides additional flexible living space ideal for a media room, home office, playroom, or gathering area, while 4 additional bedrooms and 3 full baths offer plenty of room for family and guests. A covered patio provides an inviting outdoor living space, perfect for relaxing or entertaining while enjoying the peaceful surroundings of The Shoal. With its thoughtful floor plans, nature-inspired setting, and exceptional proximity to 30A, The Shoal offers an opportunity to enjoy a more peaceful side of the Emerald Coast without sacrificing convenience. Prices may vary based on lot selection and available upgrades. This listing reflects the base price of the home. Photos are representative and are not of the exact home. Home is not furnished.

Highlights

Listed by Abbott Martin Group , 850-460-2900 EXP Realty LLC , 850-460-2900. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.32

HOA Fee

100 Monthly

Year Built

2026

County

Walton

Area

12 - Walton County

Neighborhood

No Named Subdivision

Listing ID

794410

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:5
  • ▪ Bathrooms:5
  • ▪ Full Bathrooms:4
  • ▪ 1/2 Bathrooms:1
Appliances:Gas Oven, Gas Range, Tankless Water Heater
Air Cond:Central Air
Fireplaces:
Other:
  • ▪ Additional:Double Vanity, Main Level Primary, Soaking Tub, Separate Shower, Walk-In Closet(s), Loft

Exterior Features

Lot:Paved
Lot Dimensions:116x116
Zoning:Resid Single Family
Roof:Metal
Others:
  • ▪ Additional:Patio
Sewer:Public Sewer
Principal Interest
$5,089
Taxes
$587
HOA
$100

Home Price

$921,125

Loan Details

30 yrs
7.374%

Down Payment

20%
$184,225
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:
$5,089.08

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $5,089.08 $587.22 $100.00 $5,776.30
Yearly $61,069.00 $7,046.61 $1,200.00 $69,315.60
Total $1,832,069.86 $211,398.19 $36,000.00 $2,079,468.05

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 Bay County Association of REALTORS, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-10-07T03:46:57.000Z

© 2026 Bay County Association of REALTORS