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Harrison Lilly

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

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113 Fort Panic Rd , Santa Rosa Beach, FL 32459
$3,999,999
Est. Payment: $20,287.24/mo
4 Bed
3 Bath
2296 Sqft
Status: active | Days on site: 470
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Perched on one of the largest Gulf-front parcels in Dune Allen, this extraordinary retreat is not only a rare beachfront estate but also an exceptional rental performer, already generating over $210,000 in base rental income year-to-date for 2026. Boasting 100 feet of pristine shoreline and a front-row seat to Florida's most captivating sunsets, the home offers an unmatched combination of luxury, exclusivity, and investment potential. With floor-to-ceiling windows lining the western side, the home opens up to unbroken views down the beach to Sandestin, showcasing breathtaking coastline and Gulf vistas from nearly every angle. Inside, expansive windows frame the Gulf at every opportunity. Each of the four bedrooms offers unobstructed water views, while the primary suite features a private sitting area overlooking the coastline. The main floor offers generous living and dining areas, a thoughtfully arranged kitchen, guest suite, and multiple spots for lounging or entertaining -- all framed by sweeping vistas and the sound of the surf. Upstairs, the layout continues to impress with additional guest bedrooms and a spa-like master bath. Recently updated with all-new windows (2025), the home also features a private bonfire pit, 100 feet of deeded beach access, and a beach setup of four chairs and two umbrellas, provided seasonally. With no HOA or covenants and a strong rental history in place, this .45-acre property combines the rarest elements: privacy, income potential, and... an unbeatable beachfront location. Located just moments from Gulf Place, Oyster Lake, and the vibrant 30A corridor, this is more than a home, it's a legacy coastal haven where the sea, sky, and sand come together in spectacular harmony. Reach out our way today for your private viewing.

Highlights

Listed by Caleb Midgett , 850-499-3311 Scenic Sotheby's International Realty , 850-231-6052. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.45

Year Built

1996

County

Walton

Area

17 - 30A West

Neighborhood

Santa Rosa Dunes

Listing ID

975231

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:3
  • Full Bathrooms:3
Appliances:Dishwasher, Disposal, Dryer, Microwave, Refrigerator, Smoke Detector, Smooth Stovetop Rnge, Stove/Oven Electric, Washer, Water Heater - Elect
Air Cond:Central Air
Fireplaces:Fireplace
Floor:Floor Tile
Other:
  • Additional:Breakfast Bar, Kitchen Island, Newly Painted, Washer/Dryer Hookup

Exterior Features

Lot:Dead End,Survey Available,Within 1/2 Mile to Water,Unit Waterfront,Gulf,Gulf/Pass,Shore - Beach,Shore - Natural
Lot Dimensions:126 X 104 X 101 X 179
Zoning:Resid Single Family
Others:
  • Additional:Balcony, BBQ Pit/Grill, Shower, Deck Open, Porch, Fenced Lot-Part
Sewer:Public Sewer
Principal Interest
$20,287
Taxes
$2,550

Home Price

$3,999,999

Loan Details

30 yrs
6.529%

Down Payment

20%
$800,000
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:
$20,287.24

Principal

Taxes

Principal Taxes HOA Total
Monthly $20,287.24 $2,550.00 $0.00 $22,837.24
Yearly $243,446.88 $30,599.99 $0.00 $274,046.87
Total $7,303,406.48 $917,999.77 $0.00 $8,221,406.25

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: 2026-08-20T07:16:22.000Z

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