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Harrison Lilly Team

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

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192 Channel Shoal Dr Lot 4 , Santa Rosa Beach, FL 32459
$749,000
Est. Payment: $4,138.12/mo
5 Bed
5 Bath
2508 Sqft
0.24 Acres
Status: Active | Days on site: 209
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Harrison Lilly Team
Owner/Operator

House Description

MOVE-IN READY & $12K IN FLEX CASH!! You've got to see this one! This home features floor-to-ceiling cabinets in the kitchen, quartz countertops with a waterfall island, upgraded LVP flooring throughout, and a covered porch to name a few of the features in this incredible 5 bedroom home. Welcome to The Shoal, a thoughtfully designed new neighborhood where tranquility meets convenience. Nestled along the edge of the expansive Point Washington State Park, this intimate community offers 30 carefully planned homesites, each providing a sense of privacy and a seamless connection to nature. Ideally located just a short drive from Seaside, Grayton Beach, and scenic Highway 30A, The Shoal offers residents the perfect balance of peaceful surroundings and easy access to the area's most beloved coastal destinations. Homes in The Shoal are crafted to complement the natural beauty of the area, featuring earthy tones, a serene community pond, and the unique benefit of half the lots backing directly onto state park land. The Chopin floor plan boasts 5 bedrooms and 4.5 bathrooms,with an open-concept living space on the main level and a spacious upstairs loft, ideal for a media room, play area, or second living space. Each home includes high-end standard features such as durable metal roofs, impact-rated windows and doors, quartz countertops, luxury vinyl plank flooring throughout all common areas and bedrooms, 8 ft interior doors, and a gas range with a vented hood in the kitchen. Homebuyers also have the opportunity to personalize their new home by selecting finishes and upgrades during a dedicated design appointment. With its unbeatable location, natural surroundings, and thoughtfully designed homes, The Shoal offers a rare opportunity to experience the best of life in Santa Rosa Beach. **Prices may vary based on upgrades and lot selection. This listing shows the base price of this home. Photos are not of this exact home. Home does not come 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
0.24

HOA Fee

100 Monthly

Year Built

2026

County

Walton

Area

12 - Walton County

Neighborhood

No Named Subdivision

Listing ID

786376

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,Ceiling Fan(s)
Fireplaces:
Other:
  • ▪ Additional:Double Vanity, Upper Level Primary, Walk-In Closet(s), Loft

Exterior Features

Lot:Paved
Lot Dimensions:80x130
Zoning:Resid Single Family
Roof:Metal
Others:
  • ▪ Additional:Patio
Sewer:Public Sewer
Principal Interest
$4,138
Taxes
$477
HOA
$100

Home Price

$749,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$149,800
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:
$4,138.12

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $4,138.12 $477.49 $100.00 $4,715.60
Yearly $49,657.41 $5,729.85 $1,200.00 $56,587.26
Total $1,489,722.16 $171,895.50 $36,000.00 $1,697,617.66

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: 2026-10-07T08:07:44.000Z

© 2026 Bay County Association of REALTORS