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Harrison Lilly Team

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

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115 Indian Woman Rd , Santa Rosa Beach, FL 32459
$439,000
Est. Payment: $2,425.41/mo
3 Bed
3 Bath
1610 Sqft
0.15 Acres
Status: Active | Days on site: 33
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Harrison Lilly Team
Owner/Operator

House Description

Some houses you tour. This one you settle into. It starts on the corner lot, under longleaf pines and oaks that throw real shade by late afternoon -- the kind that makes the back yard usable in August. Behind the full fence there's a fire pit, a garden, stone and gravel walkways, crape myrtle and palm, all of it kept green by full irrigation off a well pump. Come through the double gate on E Russel Ave and there's room to park the boat, the RV, whatever you tow. Inside, 1,610 square feet of open-concept living under wood floors, with a wood-burning fireplace for the three weeks a year the Panhandle earns one. Craftsman moldings in 6'' and 4'' run throughout -- the detail you notice on the second walkthrough, not the first. The kitchen keeps light shaker cabinets, granite counters and a breakfast bar built for morning conversation, with the laundry room just off it. Three bedrooms, three full baths, every bedroom with its own -- no one negotiates for the shower. Travertine floors and surrounds throughout, with a walk-in travertine shower and jetted tub in the primary. Evenings belong to the screened back porch that runs nearly the full width of the back of home. Town of Santa Rosa puts you minutes from shopping, dining and schools, under two miles from the Choctawhatchee Bay boat launch, and ten minutes from Emerald Coast sand!

Highlights

Listed by Gene Darden , 205-426-1113 Real Broker LLC , 855-450-0442. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.15

Year Built

2005

County

Walton

Area

12 - Walton County

Neighborhood

Town Of Santa Rosa

Listing ID

795057

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:Electric Oven, Electric Water Heater
Air Cond:Central Air
Fireplaces:
Other:
  • ▪ Additional:Jetted Tub, Main Level Primary, Separate Shower

Exterior Features

Lot:Paved
Lot Dimensions:50.0 ft x 135.0 ft
Zoning:Resid Single Family
Roof:Composition,Shingle
Others:
  • ▪ Additional:Porch
Sewer:Public Sewer
Principal Interest
$2,425
Taxes
$274

Home Price

$439,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$87,800
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:
$2,425.41

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,425.41 $274.32 $0.00 $2,699.73
Yearly $29,104.94 $3,291.82 $0.00 $32,396.76
Total $873,148.24 $98,754.60 $0.00 $971,902.84

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 Bay County Association of REALTORS, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-10-07T08:07:44.000Z

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