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Harrison Lilly

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

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25 Indian Woman Rd , Santa Rosa Beach, FL 32459
$445,000
Est. Payment: $2,256.96/mo
3 Bed
3 Bath
1412 Sqft
Status: active | Days on site: 105
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Builder says move it - now offering up to $10,000 toward allowable buyer closing costs and/or an interest-rate buydown! Built in 2024, this modern Florida cottage in Santa Rosa Beach offers a clean, functional design, a single-level layout, no HOA and convenient access just off Highway 331. This 3-bedroom, 2.5-bath home features an open-concept living, kitchen and dining area designed for comfortable flow and natural light. The kitchen includes white shaker cabinetry, stainless steel appliances, a subway tile backsplash and a large island with seating. Luxury vinyl plank flooring runs throughout the home, complemented by recessed lighting and a split-bedroom floor plan that provides added privacy for the primary suite. The primary bathroom features a double vanity and a glass-enclosed walk-in shower with a tiled surround. Exterior features include Hardie board siding and trim, a covered front porch, a spacious private driveway and a 50-by-125-foot lot. The low-maintenance setting offers flexibility without HOA fees, assessments or architectural restrictions. Need help seeing the full potential of an unfurnished new construction home? Visit The Spin Inn at 1338 N. County Highway 393, MLS #792823, the builder's professionally designed and fully furnished model home featuring the same floor plan. This property is offered at $445,000 in its current unfurnished condition. Buyers may also select an optional $50,000 professional design and furnishing package by separate written agreement, creating a fully furnished purchase package of $495,000. The package may include a personalized interior concept, coordinated furniture and décor, property setup, and custom website design subject to final selections, availability and written specifications. With convenient access to Emerald Coast beaches, dining, shopping, Choctawhatchee Bay and the surrounding Santa Rosa Beach area, this property may work well as a primary residence, second home or rental investment. Short-term-rental use is subject to applicable zoning, licensing and regulatory requirements. The $10,000 builder incentive is subject to acceptable contract terms, buyer qualification and any applicable lender requirements. All information is deemed reliable but not guaranteed. Buyer to verify all details, including measurements, features, zoning, rental eligibility and permitted uses.

Highlights

Listed by Crystal Ball , 205-329-0759 Anchor Realty Florida , 850-899-7999. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.15

Year Built

2024

County

Walton

Area

12 - Walton County

Neighborhood

No Named Subdivision

Listing ID

787862

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:Electric Cooktop, Electric Oven, Electric Range, Ice Maker
Air Cond:Central Air
Fireplaces:
Other:
  • Additional:Double Vanity, Main Level Primary, Walk-In Closet(s)

Exterior Features

Lot:Paved
Lot Dimensions:50x125
Zoning:County, Resid Multi-Family
Roof:Shingle
Sewer:Public Sewer
Parking Features:No Garage
Principal Interest
$2,257
Taxes
$231

Home Price

$445,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$89,000
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:
$2,256.96

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,256.96 $231.25 $0.00 $2,488.21
Yearly $27,083.47 $2,775.00 $0.00 $29,858.47
Total $812,504.17 $83,250.00 $0.00 $895,754.17

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

IDX service by Blueroof 360

Data last updated: 2026-08-20T06:33:19.000Z

© 2026 Bay County Association of REALTORS