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Harrison Lilly Team

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

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94 Garden St , Santa Rosa Beach, FL 32459
$385,000
Est. Payment: $2,127.07/mo
3 Bed
2 Bath
1399 Sqft
0.23 Acres
Status: Pending | Days on site: 3
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Harrison Lilly Team
Owner/Operator

House Description

Just 2 miles from the beach and 3 miles from the bay, this bright and inviting home offers a functional layout, a large private backyard, and plenty of room to enjoy both indoor and outdoor living. Set on a quiet street and a 10,000 sq ft lot, the home features 9' ceilings throughout and abundant natural light. The home has a split-bedroom layout with two guest bedrooms located at the front of the home, with the primary suite in the back. Custom wood ceiling detailing adds character to the primary bedroom, while the primary bath features a separate tub and shower. Just off the kitchen, the additional room could be used as a home office, sitting room, or reading nook. The large screened-in porch creates a comfortable space to relax and enjoy the outdoors, while the 8' privacy fence and no back neighbors create a wonderfully private backyard setting. The kitchen is already plumbed for a gas range, offering the option to add one in the future. The garage features built-in shelving, overhead storage, and its own A/C wall unit. A large unfinished attic provides abundant storage and the potential to a bonus room or bedroom. Recent updates include new exterior paint and a new water heater in 2025.

Highlights

Listed by Christopher A Johnson , 850-865-6257 Gulf Realty 30A LLC , 850-687-1261. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.23

Year Built

2004

County

Walton

Area

16 - North Santa Rosa Beach

Neighborhood

Pine Garden Unrec

Listing ID

1011856

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Dishwasher, Microwave, Oven Self Cleaning, Refrigerator W/IceMk, Smoke Detector, Stove/Oven Electric
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Other:
  • ▪ Additional:Breakfast Bar, Ceiling Vaulted, Pantry, Woodwork Painted

Exterior Features

Lot:Cleared,Interior
Lot Dimensions:70x140
Zoning:Resid Single Family
Others:
  • ▪ Additional:Fenced Back Yard, Deck Covered, Patio Covered, Porch Open, Porch Screened
Sewer:Public Sewer
Principal Interest
$2,127
Taxes
$245

Home Price

$385,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$77,000
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:
$2,127.07

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,127.07 $245.44 $0.00 $2,372.51
Yearly $25,524.83 $2,945.25 $0.00 $28,470.08
Total $765,745.04 $88,357.50 $0.00 $854,102.54

Today's Rates

30 Year

7.37%

20 Year

7.27%

15 Year

6.8%

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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: 2026-10-07T04:14:31.000Z

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