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Harrison Lilly Team

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

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10 Silk Bay Dr Unit 122 , Santa Rosa Beach, FL 32459
$364,900
Est. Payment: $2,016.02/mo
2 Bed
2 Bath
933 Sqft
Status: Active | Days on site: 23
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Harrison Lilly Team
Owner/Operator

House Description

***OPEN HOUSES! WEDNESDAY, SEPT 30, 4PM-6PM and SAT, OCT 3, NOON-2:30PM*** Escape to effortless coastal living at 10 Silk Bay Drive, Unit 122, situated in the desirable Topsail Village community on the peaceful west end of Scenic Highway 30A in Santa Rosa Beach, Florida. While many balconies face the parking lot, this exceptional residence offers greater privacy with a covered balcony surrounded by lush, mature trees and natural greenery. Lightly used primarily by a commuter owner and sold fully furnished and turnkey ready, this coastal retreat is primed for immediate residential living, a second-home getaway, or a top-tier short-term vacation rental (STR) with annual income projections at ~$35,000. The interior showcases an open-concept living space designed for low-maintenance living with zero carpet throughout, clean tile in the kitchen and bathrooms, and stylish wood-look flooring through the main living areas and bedrooms. The well-appointed kitchen features modern stainless steel appliances, plenty of cabinetry, and a welcoming breakfast bar that connects seamlessly to the dining and living spaces. Multiple improvements offer true peace of mind, highlighted by a 2023 HVAC system, a brand new in-unit washer and dryer, and an upgraded primary ensuite bathroom complete with a custom floor-to-ceiling tile shower and a sleek frameless glass enclosure. Ownership costs are exceptionally low for South Walton; HOA dues are just $515 per month covering exterior building maintenance, landscaping, trash collection, pool access, and master insurance. Topsail Village residents and guests enjoy fantastic on-site amenities, including a sparkling community swimming pool, outdoor grilling and picnic areas, bike racks, and golf cart friendly access. The location delivers unbeatable convenience to the best of 30A: you are less than one mile from multiple sugar-white sand public beach accesses, such as Dune Allen Regional, and right next door to Topsail Hill Preserve State Park and Point Washington State Forest trails. Ride bikes or take a golf cart down the Timpoochee Trail to Gulf Place, Shunk Gulley Oyster Bar, and Vue on 30A, or take a quick drive to Grand Boulevard shopping, dining, and Sacred Heart Hospital. With its rare combination of private nature views, recent system upgrades, low fees, and turn-key rental potential, this unit represents one of the strongest overall values on the Emerald Coast.

Highlights

Listed by Courtney Pantalena , 850-738-4881 Coldwell Banker Realty , 850-650-4563. Emerald Coast Multiple Listing Services

Property Type

Condo/Townhome

HOA Fee

Year Built

2005

County

Walton

Area

17 - 30A West

Neighborhood

Topsail Village

Listing ID

1011842

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:2
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Dishwasher, Dryer, Microwave, Refrigerator, Stove/Oven Electric, Washer, Water Heater - Elect
Air Cond:Central Air
Fireplaces:
Other:
  • ▪ Additional:Breakfast Bar

Exterior Features

Others:
  • ▪ Additional:Balcony, Patio Covered
Sewer:Public Sewer
Principal Interest
$2,016
Taxes
$198
HOA
$0

Home Price

$364,900

Loan Details

30 yrs
7.374%

Down Payment

20%
$72,980
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:
$2,016.02

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,016.02 $197.90 $0.00 $2,213.92
Yearly $24,192.24 $2,374.78 $0.00 $26,567.02
Total $725,767.18 $71,243.40 $0.00 $797,010.58

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: 2026-10-07T04:14:31.000Z

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