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Harrison Lilly

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

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1570 Indian Woman Rd , Santa Rosa Beach, FL 32459
$2,895,000
Est. Payment: $14,681.37/mo
3 Bed
3 Bath
3528 Sqft
Status: active | Days on site: 116
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Under Contract w Kickout - Accepting Backup Contracts - Bayfront estate on .82 acres with 140+ feet of waterfront in Santa Rosa Beach. Custom all-brick home built for durability featuring a metal roof, geothermal HVAC, private dock, and concrete seawall. Vaulted ceilings with exposed beams, expansive windows, and an open kitchen and living area capture sweeping bay views throughout. Primary suite overlooks the water with a spacious bath and private setting. Mature trees and wide-open grounds provide exceptional privacy and space to add a pool or guest house. Enjoy boating, fishing, and unforgettable sunsets from your backyard. Rare legacy waterfront opportunity with premium improvements already in place and room to create your own private coastal retreat in one of the area's most sought-after bayfront settings Positioned along the Choctawhatchee Bay, this .82-acre waterfront estate offers approximately 140+ feet of frontage--delivering a level of space, privacy, and infrastructure that is increasingly rare in Santa Rosa Beach. This custom-built, all-brick residence was designed with long-term durability and efficiency in mind. Key structural and mechanical upgrades--including a metal roof and geothermal HVAC system--reflect the owner's commitment to quality, energy efficiency, and low long-term maintenance. The property is already equipped for the waterfront lifestyle, featuring a private dock and concrete seawall, providing both protection and immediate access to boating, fishing, and paddleboarding. Inside, vaulted ceilings with exposed beams define the main living space, while expansive windows frame sweeping bay views and fill the home with natural light. The open-concept kitchen and living area were intentionally designed for both everyday living and entertaining, always centered around the water. The primary suite is positioned along the bay, offering a peaceful retreat with water views from both the bedroom and bath. Owner-prioritized features and upgrades include: Metal roof for durability and longevity Geothermal HVAC system for energy efficiency Concrete seawall providing shoreline protection Private dock for direct water access Solid all-brick construction Vaulted ceilings with exposed beams Expansive windows maximizing bay views Open kitchen and living area designed for entertaining Primary suite overlooking the water Large driveway with ample guest parking Mature trees creating natural privacy Nearly .82-acre lot with room for pool, guest house, or expansion Step outside and the scale of the property becomes even more apparent. The wide, usable lot offers flexibility rarely found on the bay--ideal for creating a true outdoor living environment or expanding the existing footprint. With approximately 140+ feet of bay frontage, enjoy year-round sunsets and an unmatched waterfront lifestyle directly from your backyard. Located just minutes from 30A, dining, and shopping, yet tucked away in a private, serene setting, this property offers both convenience and seclusion. This is more than a home--it's a well-built, thoughtfully improved waterfront estate with the infrastructure already in place and the potential to become a true legacy property.

Highlights

Listed by David B Connart , 850-259-1702 LPT Realty LLC , 877-366-2213. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.82

Year Built

2012

County

Walton

Area

16 - North Santa Rosa Beach

Neighborhood

Not In Subdivision

Listing ID

999781

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:3
Appliances:Auto Garage Door Opn, Cooktop, Dishwasher, Disposal, Dryer, Freezer, Microwave, Range Hood, Refrigerator, Smoke Detector, Washer, Water Heater - Elect
Floor:Floor Hardwood,Floor Tile
Other:
  • Additional:Breakfast Bar, Built-In Bookcases, Ceiling Beamed, Ceiling Cathedral, Ceiling Crwn Molding, Ceiling Raised, Fireplace, Fireplace 2+, Kitchen Island, Pantry, Split Bedroom, Washer/Dryer Hookup

Exterior Features

Lot:Dead End,Irregular,Bay
Lot Dimensions:144 x 186 x 72x85x 179 x 175
Zoning:Resid Single Family
Others:
  • Additional:Rain Gutter, Boat Slip, Boatlift, Dock, Sauna/Steam, Yard Building, Porch, Porch Screened, Fenced Lot-All, Fenced Privacy
Sewer:Public Sewer
Parking Features:Garage,Boat,Golf Cart Open,Guest,Oversized,See Remarks
Principal Interest
$14,681
Taxes
$478

Home Price

$2,895,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$579,000
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:
$14,681.37

Principal

Taxes

Principal Taxes HOA Total
Monthly $14,681.37 $478.08 $0.00 $15,159.45
Yearly $176,176.43 $5,737.01 $0.00 $181,913.44
Total $5,285,292.76 $172,110.30 $0.00 $5,457,403.06

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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