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Harrison Lilly

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

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40 S 4th St , Santa Rosa Beach, FL 32459
$399,000
Est. Payment: $2,023.65/mo
3 Bed
2 Bath
1350 Sqft
Status: active | Days on site: 29
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Charming 3-bedroom, 2-bath home, built in 2017, and perfectly situated on an oversized double lot in the heart of Santa Rosa Beach. Offering the ideal blend of coastal charm, functionality, and room to grow, this property is an outstanding opportunity for a primary residence, second home, or investment property. Step inside to an inviting open-concept floor plan where the living, dining, and kitchen areas flow seamlessly together. Warm finishes, abundant natural light, and a relaxed coastal feel create a welcoming atmosphere that's perfect for everyday living or entertaining. Outside, the possibilities are endless. The expansive double lot provides ample space to expand the home, guest house, or simply enjoy the privacy and extra outdoor living space. The property also features a detached garage, a separate workshop, and plenty of parking for your RV, boat, trailers, or other recreational toys. Outdoor enthusiasts will appreciate the location, with Cessna Landing Public Boat Launch on Hogtown Bayou less than five minutes away, providing quick access to Choctawhatchee Bay for boating, fishing, and paddleboarding. Spend your afternoons on the sugar-white sands of Ed Walline Regional Beach Access, just 10 minutes away on scenic 30A. Conveniently located just minutes from South Walton schools, Sacred Heart Hospital, shopping, dining, and local entertainment, this home offers easy access to everything Santa Rosa Beach has to offer!

Highlights

Listed by Benjamin A Blumberg , 850-585-4239 Mainsail Realty Company , 850-585-1284. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.37

Year Built

2017

County

Walton

Area

16 - North Santa Rosa Beach

Neighborhood

Town Of Santa Rosa

Listing ID

1007429

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Dishwasher, Disposal, Oven Self Cleaning, Range Hood, Refrigerator W/IceMk, Smooth Stovetop Rnge, Stove/Oven Electric, Water Heater - Elect
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Vinyl
Other:
  • Additional:Pantry, Washer/Dryer Hookup

Exterior Features

Lot Dimensions:160x100
Zoning:Resid Single Family
Others:
  • Additional:Fenced Lot-Part, Fenced Privacy
Sewer:Public Sewer
Parking Features:Garage Detached
Principal Interest
$2,024
Taxes
$68

Home Price

$399,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$79,800
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:
$2,023.65

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,023.65 $67.51 $0.00 $2,091.16
Yearly $24,283.83 $810.07 $0.00 $25,093.90
Total $728,514.98 $24,302.10 $0.00 $752,817.08

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

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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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