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Harrison Lilly

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

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187 N 7th St , Santa Rosa Beach, FL 32459
$488,000
Est. Payment: $2,474.79/mo
3 Bed
3 Bath
1925 Sqft
Status: active | Days on site: 35
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

An elegantly crafted cottage, this two-story home in Santa Rosa Beach is a beautiful retreat. Set on a newly landscaped lot with privacy fencing, it's just four miles to the Gulf of Mexico beaches and three minutes to Hogtown Bayou with bay access. New roof, new A/C, new hot water heater all in 2024. Exterior recently professionally painted. Stunning hardwood floors throughout much of home, high ceilings, crown molding, and custom cabinets. The front porch has wood ceiling, recessed lighting, fan, and breezy curtains to invite sitting. Transom windows let in natural light, custom kitchen cabinets and bronze fixtures add a cottage flair. Extra storage behind walk-in master closet, and convenient walk-in attic space. The second floor loft is quite large and can be used as an office, library or playroom. Hardie board exterior, wrap around deck from kitchen to back yard, plus storage shed. Nearby Cessna Landing Park is within walking distance - offers boat ramp to Choctawhatchee Bay, fishing, basketball, picnic areas, playground, restrooms. Walton County projects include an approved 10,000 seat amphitheater nearby with walking trails and event space. Located near great shopping and dining on 30A, Grand Boulevard, Sandestin, Silver Sands Outlets, Destin and more. No HOA.

Highlights

Listed by Wendy Rulnick Hinzman , 850-259-0422 Rulnick Realty Inc , 850-650-7883. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.14

Year Built

2007

County

Walton

Area

16 - North Santa Rosa Beach

Neighborhood

Town Of Santa Rosa

Listing ID

1007496

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Appliances:Cooktop, Dishwasher, Disposal, Microwave, Refrigerator, Stove/Oven Electric, Water Heater - Elect
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Hardwood,Floor Laminate,Floor Tile,Floor WW Carpet
Other:
  • Additional:Ceiling Raised, Lighting Recessed, Washer/Dryer Hookup

Exterior Features

Lot:Cul-De-Sac,Dead End,Flood Insurance Req,Survey Available,Within 1/2 Mile to Water
Lot Dimensions:50 x 125
Zoning:Resid Single Family
Others:
  • Additional:Fenced Back Yard, Yard Building, Deck Open, Porch Screened, Fenced Privacy
Sewer:Public Sewer
Principal Interest
$2,475
Taxes
$172

Home Price

$488,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$97,600
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:
$2,474.79

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,474.79 $172.24 $0.00 $2,647.03
Yearly $29,697.44 $2,066.90 $0.00 $31,764.34
Total $890,923.27 $62,007.00 $0.00 $952,930.27

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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