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Harrison Lilly

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

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45 White Cliffs Crest , Santa Rosa Beach, FL 32459
$3,500,000
Est. Payment: $17,751.34/mo
5 Bed
5 Bath
3825 Sqft
Status: active | Days on site: 82
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Pristine Beach home is move in ready for Spring Break and Summer fun. It is sold furnished with fresh exterior and some interior paint. Home has never been rented. Gourmet kitchen with new Scotsman ice maker, wine fridge and 2nd extra sized stainless refrigerator located in the garage. New 1st floor HVAC unit add in 2022, new 2nd floor HVAC in 2023 Home is located on the highly coveted beachfront Street of White Cliffs Crest & is prominently situated on an elevated site, just one lot back from the Gulf. Only steps from a beach access equipped w/ a Gazebo to an exclusive ''private'' beach with daily security. Has community pool, playground, tennis & pickle ball court & Clubhouse w/fitness center in White Cliffs gated subdivision. Home has homey feeling, not often seen in a Beach House. Enter door from the covered drive portico then 2 steps into large kitchen to carry rainy-day groceries. A convenient access to the laundry off kitchen. Has (2) HVAC units and Nest thermostat(s) & Ring Cameras. A NEW 2nd FLOOR HVAC was installed in 2023. Property is equipped with a Life Source Whole House water filtration system. One Bedroom is on the 1st floor level. Home is exclusively provided with its own Home Elevator, in order to enjoy an easier access to the 4 Bedrooms on the 2nd floor level. Home has 5 Baths w/2 downstairs & 3 on the 2nd floor level. Master Bath has stunning walk-in shower, private toilet w/Bidet, a large whirlpool tub & big walk-in Closet. 2 of the bedrooms are equipped with high quality, space saving Murpy Beds, that allows 1 room to have a couch, workspace area & Bunk beds all in the same room. The other Murphy Bed is in the multi-use Office Bedroom w/built-in cabinets. Home has multiple porches. One is a great sun deck located just outside the 3rd floor "Crows Nest" or "Small Tower Den" also furnished with its own mini kitchen. Another porch of the Master Bedroom also faces the Gulf. 2 other porches wrap around the rear of the home, one on Level 1 off the den and the other off 2nd Level Bedroom that overlooks a Private Courtyard, equipped with a Water Fountain & a Well-water outside irrigation system. Property has a very long driveway w/1 car detached Garage for extra parking. More street parking space in the Front. More storage in Basement room on west side off Courtyard. A well maintained home in great condition. A Rare opportunity for a Lucky Buyer, on this Coveted Street located so close to the Beach, in this rent-restricted gated community @ half the price of the beachfront across the street.

Highlights

Listed by Joseph P Glending , 850-496-7730 Lokation , 954-545-5583. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.16

HOA Fee

Year Built

2003

County

Walton

Area

17 - 30A West

Neighborhood

Village Of White Cliffs The

Listing ID

1000790

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:5
  • Bathrooms:5
  • Full Bathrooms:4
  • 1/2 Bathrooms:1
Appliances:Auto Garage Door Opn, Dishwasher, Disposal, Dryer, Ice Machine, Microwave, Oven Double, Refrigerator W/IceMk, Security System, Smoke Detector, Stove/Oven Gas, Trash Compactor, Washer, Wine Refrigerator, Water Heater - Elect
Floor:Floor Hardwood,Floor Tile
Other:
  • Additional:Ceiling Crwn Molding, Elevator, Kitchen Island, Lighting Recessed, Newly Painted, Pantry, Shelving, Wet Bar, Woodwork Painted

Exterior Features

Lot:Covenants,Sidewalk,Within 1/2 Mile to Water
Lot Dimensions:75 x 100
Zoning:Deed Restrictions, Resid Single Family
Others:
  • Additional:Balcony, Columns, Shower, Sprinkler System, Deck Open, Patio Open, Porch Open, Fenced Lot-All
Sewer:Public Sewer
Parking Features:Carport Attached,Garage Detached
Principal Interest
$17,751
Taxes
$1,519
HOA
$0

Home Price

$3,500,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$700,000
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:
$17,751.34

Principal

Taxes

Principal Taxes HOA Total
Monthly $17,751.34 $1,518.97 $0.00 $19,270.31
Yearly $213,016.08 $18,227.64 $0.00 $231,243.72
Total $6,390,482.27 $546,829.20 $0.00 $6,937,311.47

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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