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Harrison Lilly Team

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

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44 N Ryan St , Santa Rosa Beach, FL 32459
$1,299,900
Est. Payment: $7,181.76/mo
3 Bed
3 Bath
1823 Sqft
0.08 Acres
Status: Active | Days on site: 90
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Harrison Lilly Team
Owner/Operator

House Description

Enjoy coastal living in this turn-key 3-bedroom, 2.5-bath cottage located in the quiet, tree-lined community of Summer's Edge on Scenic 30A. Situated moments from deeded beach access, Eastern Lake, and community pool, this property offers an ideal layout for a personal coastal retreat or vacation rental investment. The welcoming front porch features upgraded Trex composite decking, matched by a private second-floor balcony off the primary suite. Inside, the open floor plan highlights real hardwood flooring, detailed crown molding, recessed lighting, and expansive windows. The main living area features custom built-in shelving, leading to a kitchen with stainless steel appliances, generous counter space, and a dedicated dining area. Upstairs, the primary suite includes soaring cathedral ceilings, a skylight, private balcony access, and a updated spa-style bathroom with a double vanity, freestanding soaking tub, and a custom tile shower. Two additional guest bedrooms offer comfortable accommodations with coastal finishes throughout. Residents and guests enjoy private deeded beach access, two neighborhood pools (one heated seasonally), and immediate proximity to the dining and shopping along 30A. floor-to-ceiling tiled shower. Guest bathrooms have also been tastefully updated with premium finishes. A rare opportunity to own a turnkey beach cottage in one of 30A's most desirable communities--where every day feels like vacation.

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
0.08

HOA Fee

Year Built

2001

County

Walton

Area

18 - 30A East

Neighborhood

Summer's Edge

Listing ID

1004180

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:2
  • ▪ 1/2 Bathrooms:1
Appliances:Cooktop, Dishwasher, Oven Self Cleaning, Range Hood, Refrigerator W/IceMk
Air Cond:Ceiling Fans
Fireplaces:
Floor:Floor Hardwood
Other:
  • ▪ Additional:Ceiling Vaulted, Lighting Recessed, Pantry, Washer/Dryer Hookup

Exterior Features

Lot Dimensions:81 x 44
Zoning:Resid Single Family
Others:
  • ▪ Additional:Porch, Porch Open
Sewer:Public Sewer
Principal Interest
$7,182
Taxes
$678
HOA
$0

Home Price

$1,299,900

Loan Details

30 yrs
7.374%

Down Payment

20%
$259,980
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:
$7,181.76

Principal

Taxes

Principal Taxes HOA Total
Monthly $7,181.76 $678.45 $0.00 $7,860.21
Yearly $86,181.12 $8,141.37 $0.00 $94,322.49
Total $2,585,433.70 $244,241.10 $0.00 $2,829,674.80

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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