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Harrison Lilly

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: $6,592.16/mo
3 Bed
3 Bath
1823 Sqft
Status: active | Days on site: 68
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Nestled in the highly sought-after community of Summer's Edge, this beautifully maintained 3-bedroom, 3-bath coastal cottage offers the perfect blend of charm, comfort, and location. Just a short stroll to Eastern Lake, the sugar-white beaches of Scenic 30A, deeded neighborhood beach access, and two private pools, this home captures the essence of relaxed beach living while offering exceptional potential as a vacation retreat or short-term rental investment. From the moment you arrive, the oversized front porch invites you to slow down and unwind. Recently upgraded Trex composite decking on both the front porch and second-floor balcony adds beauty and low-maintenance durability. Offered fully furnished and is move-in ready. Inside, you'll find real hardwood flooring, crown molding, recessed lighting, and an open, light-filled layout enhanced by oversized custom windows. Built-in shelving and cabinetry add warmth and character to the living area, while the kitchen features stainless steel appliances, generous counter space, a breakfast bar, and an open dining area perfect for gathering. The first floor also offers a full bath, pantry, laundry area, flexible bonus sleeping space, and backyard access. Upstairs, coastal-inspired finishes, raised ceilings, and new carpeting create a peaceful retreat. The primary suite features balcony access and a beautifully remodeled spa-style bath with cathedral ceilings, skylight, teak double vanity, freestanding soaking tub, and a custom 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
$6,592
Taxes
$678
HOA
$0

Home Price

$1,299,900

Loan Details

30 yrs
6.528%

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:
$6,592.16

Principal

Taxes

Principal Taxes HOA Total
Monthly $6,592.16 $678.45 $0.00 $7,270.61
Yearly $79,105.95 $8,141.37 $0.00 $87,247.32
Total $2,373,178.60 $244,241.10 $0.00 $2,617,419.70

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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