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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: 102
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Builder says to get it sold - now offering a $10k builder incentive package! New construction 2024 Florida cottage in Santa Rosa Beach with no HOA and short-term rental allowed. This modern home offers a clean, functional design in a single-level layout just off Hwy 331. This 3 BR, 2.5 BA home features an open-concept living, kitchen, and dining area designed for easy flow and natural light. The kitchen stands out with white shaker cabinetry, stainless steel appliances, subway tile backsplash, and a large island with seating. Luxury vinyl plank flooring runs throughout the home, paired with recessed lighting and a split-bedroom layout that gives separation to the primary suite. The primary bath features a double vanity and a glass-enclosed walk-in shower with tile surround. Exterior features include a solid build with many upgrades including Hardie board siding and trim, a covered front porch, and a large private driveway on a 50x125 lot. The setting offers a simple, low-maintenance footprint with, I'll say it again - NO HOA restrictions - so no headaches, emails, fees, and assessments, just the easy Florida lifestyle you imagine. Need help seeing the full potential of an unfurnished new construction home? Visit The Spin Inn at 1338 N. County Highway 393, MLS #1007973, the builder's professionally designed and fully furnished model home featuring this 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 can include a personalized interior concept, coordinated furniture and décor, property setup, website design and introductory short-term-rental operations training, subject to final selections, availability and written specifications. With convenient access to emerald coast beaches, dining, shopping, and all the many things driving relocation to Florida nationwide, this property works as a primary residence, second home, or rental investment. All information is deemed reliable but not guaranteed. Buyer to verify all details, including but not limited to measurements, features, zoning, and permitted uses.

Highlights

Listed by Crystal A Ball , 205-329-0759 Anchor Realty Florida , 850-653-3333. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.15

Year Built

2024

County

Walton

Area

16 - North Santa Rosa Beach

Neighborhood

No Recorded Subdivision

Listing ID

999951

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:Cooktop, Dishwasher, Disposal, Refrigerator, Refrigerator W/IceMk, Smoke Detector, Stove/Oven Electric
Air Cond:Central Air
Fireplaces:
Other:
  • Additional:Ceiling Tray/Cofferd, Newly Painted, Washer/Dryer Hookup

Exterior Features

Lot Dimensions:50x125
Zoning:Resid Single Family
Sewer:Public Sewer
Principal Interest
$2,257
Taxes
$225

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 $224.55 $0.00 $2,481.50
Yearly $27,083.47 $2,694.57 $0.00 $29,778.04
Total $812,504.17 $80,837.10 $0.00 $893,341.27

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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