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Harrison Lilly

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

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231 Bay Circle Dr , Santa Rosa Beach, FL 32459
$1,895,000
Est. Payment: $9,611.08/mo
3 Bed
3 Bath
1800 Sqft
Status: active | Days on site: 40
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Beautifully remodeled coastal home featuring a private dock, boat lift, and exceptional views across the bay. Located on a quiet stretch of Santa Rosa Beach just minutes from Scenic 30A, Designed to capture the stunning bay views, the open floor plan features inviting living spaces with a fireplace and a beautifully appointed kitchen with an island. Updated windows and doors fill the home with natural light while creating a seamless connection to the water and outdoor living areas. Carefully designed landscaping provides privacy while maximizing the expansive bay views. The primary suite offers a private retreat with a dedicated office, walk-in closet, and beautifully finished bath. Outdoor living is where this property truly shines, featuring a wraparound deck, covered porch, outdoor shower, and fire pit overlooking the bay. The waterfront setup is exceptional, with a dock, walkway, and boat lift built on durable concrete pilings. The dock includes a beautiful boathouse, two Jet Ski lifts, a kayak and paddleboard launch platform, and a sunning deck / lounge area perfect for relaxing by the water. The bay creates a peaceful natural setting where dolphins, nesting ospreys, and herons are frequent visitors, offering a rare connection to the beauty of the Emerald Coast. Featuring a 2023 metal roof, updated windows and doors, and numerous quality upgrades throughout, this meticulously maintained bayfront home combines coastal elegance, thoughtful improvements, and an unmatched waterfront setting in one of Santa Rosa Beach's most desirable locations.

Highlights

Listed by Katie M Atwater , 850-502-9120 and Michael R Henderson , 850-259-7805 The Premier Property Group , 850-337-1555. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.34

Year Built

1990

County

Walton

Area

16 - North Santa Rosa Beach

Neighborhood

Santa Rosa Bch Est

Listing ID

1007367

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Appliances:Auto Garage Door Opn, Dishwasher, Disposal, Dryer, Microwave, Range Hood, Refrigerator, Security System, Smoke Detector, Washer, Water Heater - Elect
Air Cond:Ceiling Fans,Central Air
Fireplaces:Fireplace
Floor:Floor Hardwood,Floor Tile
Other:
  • Additional:Ceiling Vaulted, Fireplace, Lighting Recessed, Newly Painted, Wallpaper, Washer/Dryer Hookup

Exterior Features

Lot:Dead End,Flood Insurance Req,Interior,Level,Within 1/2 Mile to Water,Bay
Lot Dimensions:75x200
Zoning:Resid Single Family
Others:
  • Additional:Rain Gutter, Boatlift, Dock, Fenced Back Yard, Hurricane Shutters, Shower, Yard Building, Patio Covered, Porch, Porch Screened, Fenced Lot-Part
Sewer:Septic Tank
Parking Features:Boat
Principal Interest
$9,611
Taxes
$1,208

Home Price

$1,895,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$379,000
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:
$9,611.08

Principal

Taxes

Principal Taxes HOA Total
Monthly $9,611.08 $1,208.06 $0.00 $10,819.14
Yearly $115,332.99 $14,496.75 $0.00 $129,829.74
Total $3,459,989.68 $434,902.50 $0.00 $3,894,892.18

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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