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Harrison Lilly

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

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40 Tortola Ln , Santa Rosa Beach, FL 32459
$8,750,000
Est. Payment: $44,373.74/mo
6 Bed
8 Bath
6296 Sqft
Status: pending | Days on site: 109
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Few addresses along Florida's Gulf Coast can claim what 40 Tortola Lane delivers: an elevated position on one of The Retreat's most prized lots, with an unobstructed panorama stretching across Draper Lake, the gulf's white-sand dunes, and the shimmering open water beyond. This stacked layering of coastal dune lake, sculpted dunes, and gulf horizon is a combination virtually impossible to find -- and it defines this property as something genuinely extraordinary. Priced to reflect exceptional value, this is a rare opportunity to own one of the most architecturally refined and scenically positioned homes on 30A at a compelling entry point. Designed by celebrated architect Tom Christ and constructed to fortified home standards with steel-reinforced concrete and a decorative concrete tile roof, the home is built for both beauty and longevity. Multi-level balconies extend the living experience outdoors, where the coastal views are nothing short of breathtaking. The second floor serves as the home's social hub with soaring ceilings, rich hardwood floors and a stone fireplace that sets the tone for a living space that is both welcoming and refined. The chef's kitchen is outfitted for serious entertaining, featuring dual islands, Thermador appliances and quartzite countertops. A guest suite, an office/bedroom room with ensuite bath, and a powder room round out this level. The entire third floor is dedicated to a primary suite with views of Draper Lake, the dunes, and the gulf, providing a backdrop that makes waking up here feel like an event. Custom his-and-hers closets with a built-in safe, a private den with fireplace and a secondary laundry add layers of comfort and practicality. On the first floor, three additional guest suites each feature en suite baths. A bright courtyard, mudroom, and connected outdoor shower make post-beach and post-lake transitions effortless. A cedar closet, a climate-controlled wine room, and a heated and cooled storage room - spacious enough to double as a private gym or wellness studio - round out the home's thoughtful amenities. The property sits within The Retreat, widely regarded as 30A's most private and meticulously maintained gated enclave. Residents enjoy over 3,000 feet of private gulf frontage, a world-class pool and beach club, and access to Draper Lake's boathouse for kayaking and paddleboarding. An expansive natural buffer surrounding the community ensures the kind of enduring privacy that is increasingly rare. At its new price, 40 Tortola Lane stands as one of the most compelling values on the entire Emerald Coast -- a legacy property offering unmatched views, superior construction, and the exclusivity of The Retreat, all at a price that rewards decisive buyers.

Highlights

Listed by Mandy Cooper , 850-685-1021 Scenic Sotheby's International Realty , 850-231-6052. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.4

HOA Fee

Year Built

2014

County

Walton

Area

17 - 30A West

Neighborhood

Retreat The

Listing ID

998920

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:6
  • Bathrooms:8
  • Full Bathrooms:7
  • 1/2 Bathrooms:1
Appliances:Auto Garage Door Opn, Dishwasher, Disposal, Dryer, Ice Machine, Microwave, Range Hood, Refrigerator, Security System, Smoke Detector, Stove/Oven Gas, Washer, Wine Refrigerator, Water Heater - Tnkls
Air Cond:Ceiling Fans,Central Air
Fireplaces:Fireplace Gas
Floor:Floor Hardwood,Floor Tile
Other:
  • Additional:Breakfast Bar, Built-In Bookcases, Ceiling Crwn Molding, Ceiling Tray/Cofferd, Ceiling Vaulted, Elevator, Guest Quarters, Kitchen Island, Pantry, Shelving, Split Bedroom, Walls Mirrored, Washer/Dryer Hookup

Exterior Features

Lot:Covenants,Interior,Restrictions,Survey Available,Within 1/2 Mile to Water,Coastal Dune Lakes,Lake
Lot Dimensions:65X269X76X230
Zoning:Resid Single Family
Others:
  • Additional:Balcony, BBQ Pit/Grill, Shower, Patio Covered, Patio Open, Porch, Porch Open
Sewer:Public Sewer
Parking Features:Guest,Oversized
Principal Interest
$44,374
Taxes
$2,538
HOA
$0

Home Price

$8,750,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$1,750,000
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:
$44,373.74

Principal

Taxes

Principal Taxes HOA Total
Monthly $44,373.74 $2,537.86 $0.00 $46,911.59
Yearly $532,484.88 $30,454.26 $0.00 $562,939.14
Total $15,974,546.33 $913,627.80 $0.00 $16,888,174.13

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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