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Harrison Lilly

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

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527 Ridge Rd , Santa Rosa Beach, FL 32459
$939,000
Est. Payment: $4,761.94/mo
4 Bed
3 Bath
2168 Sqft
Status: active | Days on site: 46
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Located a short distance to the beach and sitting on a rare 1/3-acre lot with no HOA, this is your canvas for a private coastal oasis -- and the heavy lifting is already done. Welcome to Santa Rosa Ridge, one of the West End of 30A's best-kept secrets. Priced $136K under the most recent appraisal, this charming coastal cottage has been fully reimagined with a complete remodel down to the studs in 2016. That's instant equity from day one! The whole house renovation included: new electrical, plumbing, whole-home tankless water heater, full attic and wall insulation, drywall, AC ductwork with two added returns, new roof, moisture barrier, and exterior siding. Inside, a designer kitchen was reimagined featuring quartz countertops, stainless appliances, open shelving, and an oversized island. Three bathrooms were fully renovated with new cabinetry and luxury tile added throughout. The primary ensuite is a calm retreat with a private bath, barn doors, and a mid-century modern warmth. Two additional guests rooms share access to a spacious hallway bath with glass enclosed shower. The attached garage offers exceptional flexibility -- currently configured as a private guest suite or lock-out apartment with a mini kitchenette and full bath, ideal for multi-generational living or hosting. Outside is where the vision comes to life with an oversized deck and room to add a custom pool or detached carriage house, this private oasis is perfect to relax and enjoy after a long day at the beac Half a mile from the Gulf and sitting on a rare 1/3-acre lot with no HOA, this is your canvas for a private coastal oasis -- and the heavy lifting is already done. Welcome to Santa Rosa Ridge, one of the West End of 30A's best-kept secrets. This 3-bedroom, 3-bath coastal cottage (with flex space) is offered fully-furnished and fully reimagined with a complete remodel down to the studs in 2016. The whole house renovation included: new electrical, plumbing, whole-home tankless water heater, full attic and wall insulation, drywall, AC ductwork with two added returns, new roof, moisture barrier, and exterior siding. Inside, a designer kitchen was reimagined and features quartz countertops, stainless appliances, open shelving, and an oversized island. Three bathrooms were fully renovated with new cabinetry and luxury tile added throughout. The primary ensuite is a calm retreat with a private bath, barn doors, and a mid-century modern warmth. Two additional guests rooms share access to a spacious hallway bath with glass enclosed shower. The attached garage offers exceptional flexibility -- currently configured as a private guest suite or lock-out apartment with a mini kitchenette and full bath, ideal for multi-generational living or hosting. Outside is where the vision comes to life with an oversized deck and room to add a custom pool or detached carriage house, this private oasis is perfect to relax and enjoy after a long day at the beach. Completing the outdoor space is a detached greenhouse, RV hookup and 10x16 outdoor shed. pool estimate available upon request. This coastal cottage in a non-HOA community this close to the pristine beaches of 30A offers incredible investment potential as a primary home, vacation residence or long-term rental opportunity. Turnkey, non-HOA, and minutes from the beach, golf, and the west end of 30A's best dining and charming boutiques.

Highlights

Listed by Lynne Andrews , 404-784-5606 Christies International Real Estate Emerald Coast , 850-213-2800. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.34

Year Built

1976

County

Walton

Area

17 - 30A West

Neighborhood

Santa Rosa Ridge Unit 2

Listing ID

1006645

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:3
  • Full Bathrooms:3
Appliances:Auto Garage Door Opn, Disposal, Dryer, Oven Self Cleaning, Refrigerator, Refrigerator W/IceMk, Smoke Detector, Washer, Water Heater - Tnkls
Air Cond:Central Air
Fireplaces:
Floor:Floor Tile
Other:
  • Additional:Breakfast Bar, Kitchen Island, Pantry, Washer/Dryer Hookup

Exterior Features

Lot Dimensions:100 x 150
Zoning:Resid Single Family
Others:
  • Additional:Sprinkler System, Fenced Lot-Part, Fenced Privacy
Sewer:Public Sewer
Parking Features:Converted Garage,Boat,Oversized,RV
Principal Interest
$4,762
Taxes
$208

Home Price

$939,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$187,800
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:
$4,761.94

Principal

Taxes

Principal Taxes HOA Total
Monthly $4,761.94 $207.83 $0.00 $4,969.76
Yearly $57,143.23 $2,493.91 $0.00 $59,637.14
Total $1,714,297.03 $74,817.30 $0.00 $1,789,114.33

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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