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Harrison Lilly Team

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

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443 Shelter Cove Dr , Santa Rosa Beach, FL 32459
$999,999
Est. Payment: $5,524.85/mo
4 Bed
4 Bath
3100 Sqft
0.41 Acres
Status: Active | Days on site: 198
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Harrison Lilly Team
Owner/Operator

House Description

Rare custom 2023-built home featuring dual primary suites and NO HOA, situated on a spacious 0.41-acre lot just steps from Choctawhatchee Bay! Designed for ultimate flexibility, this 3,100 sq ft contemporary residence offers a coveted main-level primary suite plus a second-level primary ensuite--perfect for multi-generational living, hosting guests, or long-term/short-term rental potential. The light-filled, open-concept layout features a chef's kitchen with quartz countertops, white shaker cabinetry, subway tile backsplash, custom range hood, and a generous breakfast bar. Enjoy coastal bay views, an expansive yard with room for a private pool, boat/RV parking, and top-rated South Walton schools (Van R. Butler, Emerald Coast Middle, South Walton High). Key Features & Highlights of this home are: Flexible Living- 4 Bedrooms, 3.5 Baths with dual main & upper primary suites. Outdoor Space - 0.41-acre cleared lot, lawn pump, sprinkler system, balcony & porch. Parking Freedom- 2-car garage + oversized driveway accommodating 4 additional vehicles. No HOA Constraints - Freedom for recreational vehicle/watercraft storage and customized outdoor living. Seller said make an offer. hood, and an oversized island--ideal for entertaining. The first-floor primary suite offers a private retreat with a spa-like bath, including a freestanding tub, separate tiled shower, dual vanities, and a large walk-in closet. Upstairs, you'll find three additional bedrooms, including the second ensuite primary, plus an expansive 24x18 flex room--perfect for a media room, game room, home office, or additional living space. Enjoy peaceful mornings and sunset evenings from the upstairs balcony, where you can take in views of the bay and watch dolphins and local wildlife. Additional highlights include a large walk-in pantry, well-designed laundry room with room for utility sink, luxury vinyl plank flooring, and high-end finishes throughout. With no HOA restrictions, ample space, and close proximity to boating, beaches, dining, and shopping, this home offers unmatched freedom and lifestyle in one of Santa Rosa Beach's most desirable areas. Yes, there is room for a pool and your own personal backyard oasis. Schedule your private showing today and experience elevated coastal living without compromise.

Highlights

Listed by Dawn McKenna Group , and Bonnie S Hall , 850-240-9901 Coldwell Banker Realty , 850-650-4563. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.41

Year Built

2023

County

Walton

Area

16 - North Santa Rosa Beach

Neighborhood

Shelter Cove Estates 2Nd Addn

Listing ID

998443

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:4
  • ▪ Full Bathrooms:3
  • ▪ 1/2 Bathrooms:1
Appliances:Auto Garage Door Opn, Dishwasher, Disposal, Microwave, Range Hood, Refrigerator W/IceMk, Smoke Detector, Stove/Oven Electric, Warranty Provided, Water Heater - Elect
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Tile,Floor Vinyl
Other:
  • ▪ Additional:Breakfast Bar, Kitchen Island, Lighting Recessed, Newly Painted, Pantry, Split Bedroom, Washer/Dryer Hookup

Exterior Features

Lot:Cleared,Survey Available,Within 1/2 Mile to Water
Lot Dimensions:89 x 209x 126 x 85
Zoning:Resid Single Family
Others:
  • ▪ Additional:Balcony, Lawn Pump, Sprinkler System, Porch
Sewer:Public Sewer
Parking Features:Garage

Open House

Upcoming Open Houses
Sunday 11:00 am - 2:00 pm Oct 11
Principal Interest
$5,525
Taxes
$439

Home Price

$999,999

Loan Details

30 yrs
7.374%

Down Payment

20%
$200,000
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:
$5,524.85

Principal

Taxes

Principal Taxes HOA Total
Monthly $5,524.85 $439.25 $0.00 $5,964.10
Yearly $66,298.21 $5,271.00 $0.00 $71,569.21
Total $1,988,946.16 $158,130.00 $0.00 $2,147,076.16

Today's Rates

30 Year

7.37%

20 Year

7.27%

15 Year

6.8%

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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: 2026-10-07T06:31:40.000Z

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