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Harrison Lilly

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

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43 Fort Panic Rd , Santa Rosa Beach, FL 32459
$7,250,000
Est. Payment: $36,770.63/mo
6 Bed
5 Bath
4845 Sqft
Status: active | Days on site: 12
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

A rare offering on one of 30A's most coveted streets, 43 Fort Panic presents 78 feet of private Gulf frontage with panoramic views of the Gulf of Mexico and Allen Lake, one of South Walton's treasured coastal dune lakes. Set on nearly half an acre in the quiet enclave of Dune Allen Beach, this exceptional property offers direct private beach access, remarkable privacy, and uninterrupted water views from nearly every room. Extensively renovated with nearly $975,000 in improvements, the 4,860-square-foot residence blends timeless coastal architecture with exceptional craftsmanship and thoughtful modern updates. Recent enhancements include impact-rated windows and doors, a metal roof, fresh stucco exterior, upgraded HVAC systems, spray foam insulation, designer finishes, new flooring, and beautifully reimagined interiors. In 2026, the home was freshly painted inside and out and professionally redesigned with curated furnishings and décor, all of which convey with the sale. Designed for entertaining and multigenerational living, the home features six bedrooms, five full bathrooms, two full kitchens appointed with Wolf and Sub-Zero appliances, custom cabinetry, stone countertops, two laundry areas, a game room with wet bar, a wine bar with Perlick refrigerator, and a third-floor sitting room. Anchoring the main living area is a spectacular floor-to-ceiling bookmatched coral stone feature wall with a honed finish, an integrated linear fireplace, and custom entertainment center, creating a dramatic architectural centerpiece that is both timeless and distinctly coastal. Expansive covered and open-air porches span the Gulf-facing elevation, offering multiple spaces for dining, lounging, and entertaining more than 20 guests while overlooking the sugar-white sand and emerald waters of the Gulf. A four-car garage provides abundant storage for vehicles, paddleboards, bicycles, and beach equipment, with additional flex space for recreation. Whether envisioned as a primary residence, luxury vacation retreat, or premier investment property with projected gross rental income exceeding $300,000 annually, 43 Fort Panic offers an extraordinary opportunity to own one of the most distinctive Gulf-front homes along Scenic Highway 30A.

Highlights

Listed by The Richards Group , 850-502-6035 Compass , 850-296-9769. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.41

Year Built

1982

County

Walton

Area

17 - 30A West

Neighborhood

Santa Rosa Dunes

Listing ID

1009344

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:6
  • Bathrooms:5
  • Full Bathrooms:5
Appliances:Dishwasher, Disposal, Dryer, Freezer, Ice Machine, Microwave, Oven Double, Oven Self Cleaning, Range Hood, Refrigerator, Refrigerator W/IceMk, Security System, Smoke Detector, Stove/Oven Dual Fuel, Stove/Oven Electric, Stove/Oven Gas, Trash Compactor, Washer, Wine Refrigerator, Water Heater - Tnkls
Air Cond:Ceiling Fans
Fireplaces:Fireplace
Floor:Floor Tile
Other:
  • Additional:Breakfast Bar, Built-In Bookcases, Ceiling Raised, Ceiling Vaulted, Fireplace, Kitchen Island, Lighting Recessed, Newly Painted, Pantry, Wet Bar

Exterior Features

Lot:Aerials/Topo Availbl,Flood Insurance Req,Survey Available,Within 1/2 Mile to Water,Gulf,Shore - Beach
Lot Dimensions:75x168.23x147.02x78.2
Zoning:Resid Single Family
Others:
  • Additional:Balcony, Hurricane Shutters, Lawn Pump, Shower, Sprinkler System, Deck Covered, Fenced Lot-All
Sewer:Public Sewer
Parking Features:Oversized

Open House

Upcoming Open Houses
Friday 5:30 pm - 7:30 pm Aug 21
Saturday 2:00 pm - 4:00 pm Aug 22
Principal Interest
$36,771
Taxes
$4,041

Home Price

$7,250,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$1,450,000
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:
$36,770.63

Principal

Taxes

Principal Taxes HOA Total
Monthly $36,770.63 $4,041.37 $0.00 $40,812.00
Yearly $441,247.58 $48,496.47 $0.00 $489,744.05
Total $13,237,427.55 $1,454,894.10 $0.00 $14,692,321.65

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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