Agent profile image in chat bubble
Agent profile image in chat header

Harrison Lilly

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

Agent profile image in message

443 Shelter Cove Dr , Santa Rosa Beach, FL 32459
$1,075,000
Est. Payment: $5,451.63/mo
4 Bed
4 Bath
3100 Sqft
Status: active | Days on site: 151
Get Pre-Qualified
VCR-C15903466 - VCR-C159091383,VCR-C159052275

By providing your number, you are expressly consenting, in writing, to receive telemarketing and other messages, including calls or texts at the number you provided above. This consent is not required to purchase any good or service. Message and data rates may apply. Text STOP to cancel.

This site is protected by reCAPTCHA and the GooglePrivacy Policy and Terms of Service apply.

Agent profile image
Harrison Lilly
Owner/Operator

House Description

New Construction | 4 Bedrooms | Dual Primary Suites | No HOA | Near Choctawhatchee Bay. Rare opportunity to own a custom-built, new construction home with no HOA just steps from the scenic Choctawhatchee Bay. Situated on a spacious 41-acre homesite, this thoughtfully designed property offers the ideal blend of luxury, flexibility, and coastal lifestyle. This 4-bedroom, 3.5+ bathroom home features two primary suites-one conveniently located on the main level and a second upstairs ensuite making it perfect for multi-generational living, guests, or maximizing rental potential. The open-concept living area is filled with natural light and flows seamlessly into a beautifully appointed chef's kitchen, complete with quartz countertops, white shaker cabinetry, subway tile backsplash, custom range 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

Questions about this listing?

Contact Agent

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
Principal Interest
$5,452
Taxes
$439

Home Price

$1,075,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$215,000
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:
$5,451.63

Principal

Taxes

Principal Taxes HOA Total
Monthly $5,451.63 $439.25 $0.00 $5,890.88
Yearly $65,419.57 $5,271.00 $0.00 $70,690.57
Total $1,962,587.12 $158,130.00 $0.00 $2,120,717.12

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

6%

Never Miss a Property

Be the first to know when a property hits the market.

Current Listings

Last 30 Days
N/A
Aug 2026

Average Price

All Price Ranges
N/A
Aug 2026

Average Days on Market

All Price Ranges
N/A
Aug 2026
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

© 2026 Emerald Coast Multiple Listing Services