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Harrison Lilly

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

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95 1st St , Santa Rosa Beach, FL 32459
$390,000
Est. Payment: $1,977.80/mo
3 Bed
2 Bath
1200 Sqft
Status: active | Days on site: 83
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

A rare opportunity to step seamlessly into the Santa Rosa Beach lifestyle, this three-bedroom, two-bathroom bungalow offers the flexibility today's buyers crave. Already established as a successful vacation rental with proven income history, it also lives beautifully as a full-time residence or second home near the coast. Built in 2020 and thoughtfully finished from exterior to interior, the home welcomes you with generous double parking and a wide staircase leading to a spacious front porch complete with a custom swing -- the kind of spot made for slow mornings and evening breezes. Inside, soft neutral tones and wide-plank LVP flooring create a relaxed coastal aesthetic throughout the open living, dining and kitchen areas. Granite countertops, coastal gray cabinetry and an attractive backsplash frame a kitchen designed for both everyday living and entertaining. A built-in electric fireplace anchors the main living space with warmth and character while natural light fills the interior. A custom barn door conceals the oversized laundry area and leads to a convenient side exit, keeping daily life practical and organized. Both bathrooms feature beautifully tiled showers that add a polished touch. Out back, the scale is a true standout. The oversized fenced yard offers ample room for gatherings, pets and play -- even future pool plans -- with a spacious deck, pavered walkway and firepit creating an inviting outdoor setting. Whether hosting friends after a beach day or unwinding beneath the stars, this backyard was built for real outdoor living. With no HOA restrictions, flexibility is built in. Public beach access at Ed Walline Regional Beach Access and Blue Mountain Beach is just minutes away, along with 30A dining and shopping. Boating enthusiasts will appreciate being just five minutes from Cessna Landing Boat Ramp, which offers easy access to the bay and open water. For those seeking a smart investment, a great starter home or a coastal retreat with room to grow, this property offers space, style and location in equal measure.

Highlights

Listed by Andrew C Farmer , 850-461-4108 NextHome Emerald Coast , 850-780-3505. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.14

Year Built

2020

County

Walton

Area

16 - North Santa Rosa Beach

Neighborhood

Town Of Santa Rosa

Listing ID

996390

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Dishwasher, Disposal, Dryer, Microwave, Refrigerator W/IceMk, Smoke Detector, Stove/Oven Electric, Washer, Water Heater - Elect
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Tile
Other:
  • Additional:Breakfast Bar, Fireplace, Kitchen Island, Pantry, Washer/Dryer Hookup, Woodwork Painted

Exterior Features

Lot:Cleared
Lot Dimensions:50x125x50x125
Zoning:Resid Single Family
Others:
  • Additional:Fenced Back Yard, Deck Open, Patio Covered, Porch, Fenced Lot-All
Sewer:Public Sewer
Principal Interest
$1,978
Taxes
$233

Home Price

$390,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$78,000
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:
$1,977.80

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,977.80 $233.24 $0.00 $2,211.04
Yearly $23,733.61 $2,798.85 $0.00 $26,532.46
Total $712,008.35 $83,965.50 $0.00 $795,973.85

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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