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Harrison Lilly

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

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521 Shelter Cove Dr , Santa Rosa Beach, FL 32459
$899,900
Est. Payment: $4,564.12/mo
5 Bed
3 Bath
2612 Sqft
Status: active | Days on site: 23
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Thoughtfully designed around comfort, functionality, and its exceptional bayside setting, this custom-built 5-bedroom, 3-bath residence is perfectly positioned directly across from Choctawhatchee Bay in the gated community of Pelican Bay and offers 3,956 square feet of thoughtfully designed indoor/outdoor living and entertaining space, including 2,162 square feet of heated and cooled living area. Framed by mature landscaping and highlighted by a spacious screened front porch with peaceful bay views, the home offers an exceptionally functional floor plan with nearly every aspect of daily living on the first floor, including the open-concept living, dining, and kitchen areas, the primary suite, three additional bedrooms, and two full baths, while the upstairs bedroom/flex space with a full bath provides exceptional versatility for guests, a home office, media room, or additional living space. Built with lasting quality in mind, the home showcases custom craftsmanship throughout with built-ins, tray ceilings, shaker-style cabinetry, granite countertops, abundant storage, a Rinnai tankless water heater, whole-house Generac generator, oversized two-car garage, long driveway, and a spacious backyard with ample room for gardening, recreation, or future outdoor enhancements including a pool. Whether you're searching for a primary residence, second home, or investment opportunity, this exceptional home offers the ideal blend of comfort, functionality, and location. Pelican Bay offers a peaceful coastal setting with low HOA fees, a bayfront park with community dock for fishing, kayaking, paddleboarding, and boating, along with tennis and pickleball courts. Ideally located just minutes from Grand Boulevard, Sacred Heart Hospital, Sandestin, Topsail Hill Preserve State Park, Scenic Highway 30A, and the Emerald Coast's renowned sugar-white beaches, this home offers the perfect balance of quiet coastal living and convenient access to the area's premier shopping, dining, entertainment, and outdoor recreation.

Highlights

Listed by Justin D Wilkerson , 850-502-6472 and Kimberly A Pfizenmayer , 513-384-1155 Real Broker LLC , 855-450-0442. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.29

HOA Fee

Year Built

2020

County

Walton

Area

16 - North Santa Rosa Beach

Neighborhood

Pelican Bay S/D

Listing ID

1006903

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:5
  • Bathrooms:3
  • Full Bathrooms:3
Appliances:Auto Garage Door Opn, Dishwasher, Disposal, Microwave, Oven Self Cleaning, Range Hood, Refrigerator W/IceMk, Stove/Oven Gas, Water Heater - Tnkls
Air Cond:Central Air
Fireplaces:
Floor:Floor Vinyl,Floor WW Carpet
Other:
  • Additional:Breakfast Bar, Built-In Bookcases, Ceiling Tray/Cofferd, Split Bedroom, Washer/Dryer Hookup

Exterior Features

Lot:Covenants,Flood Insurance Req,Level,Restrictions,Within 1/2 Mile to Water
Lot Dimensions:83 x 176 x 81 x 185
Zoning:Resid Single Family
Others:
  • Additional:Rain Gutter, Columns, Lawn Pump, Sprinkler System, Patio Covered, Porch Screened
Sewer:Public Sewer
Parking Features:Garage Detached,Guest
Principal Interest
$4,564
Taxes
$391
HOA
$0

Home Price

$899,900

Loan Details

30 yrs
6.529%

Down Payment

20%
$179,980
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:
$4,564.12

Principal

Taxes

Principal Taxes HOA Total
Monthly $4,564.12 $391.46 $0.00 $4,955.58
Yearly $54,769.48 $4,697.47 $0.00 $59,466.95
Total $1,643,084.28 $140,924.10 $0.00 $1,784,008.38

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

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