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Harrison Lilly

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

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353 Bay Circle Dr , Santa Rosa Beach, FL 32459
$2,200,000
Est. Payment: $11,156.83/mo
5 Bed
3 Bath
2611 Sqft
Status: active | Days on site: 1
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Rarely on the market, this newly renovated direct bay front home awaits you with a 2.75% assumable mortgage. No HOA and fully furnished. Great investment home! Rented first time in summer of 2026 averaging $1,000 to $1,500 per night! Wake up to a waterfront oasis, with a private dock& boat lift. Carriage house and 3 car garage plans are included. Walk into luxury with real wood flooring throughout the house, and beautifully designed interior. High end finishings in the kitchen, gas stove, wine closet, marble fireplace, & marble tiles from floor to ceiling in all bathrooms with waterfall quartz countertops in the kitchen & master bathroom. Rooms are equipped with remote controlled window treatment, easy access to the unparalleled sunrise rays & sunset hues. Master bedroom features a large walk-in closet, washer/dryer & a breathtaking view. The home features a 2-car garage, a luscious yard, hot tube over looking the bay and two saunas. one on the second floor balcony and one inside the garage. Home insurance is $8,200 and flood insurance is $1,800 annual. Seller is a licensed broker.

Highlights

Listed by Jonathan P Howard , 409-779-4279 Jon Howard Realty LLC , 409-779-4279. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.37

Year Built

1992

County

Walton

Area

16 - North Santa Rosa Beach

Neighborhood

No Recorded Subdivision

Listing ID

1008273

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:5
  • Bathrooms:3
  • Full Bathrooms:3
Appliances:Auto Garage Door Opn, Dishwasher, Disposal, Microwave, Refrigerator W/IceMk, Stove/Oven Gas, Water Heater - Elect
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Hardwood,Floor Marble
Other:
  • Additional:Ceiling Raised, Fireplace, Washer/Dryer Hookup

Exterior Features

Lot:Flood Insurance Req,Within 1/2 Mile to Water,Bay
Lot Dimensions:16500
Zoning:Resid Single Family
Others:
  • Additional:Balcony, Boatlift, Dock, Sauna/Steam, Sprinkler System, Patio Covered, Fenced Privacy
Sewer:Public Sewer
Parking Features:Boat
Principal Interest
$11,157
Taxes
$806

Home Price

$2,200,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$440,000
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:
$11,156.83

Principal

Taxes

Principal Taxes HOA Total
Monthly $11,156.83 $806.28 $0.00 $11,963.11
Yearly $133,881.91 $9,675.40 $0.00 $143,557.31
Total $4,016,457.36 $290,262.00 $0.00 $4,306,719.36

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

6%

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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: 2026-08-20T06:32:47.000Z

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