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Harrison Lilly

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

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45 White Cliffs Ln , Santa Rosa Beach, FL 32459
$3,195,000
Est. Payment: $16,204.44/mo
5 Bed
7 Bath
4279 Sqft
Status: pending | Days on site: 459
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Set behind the gates of the exclusive Village of White Cliffs, this stunningly reimagined residence blends timeless coastal design with elevated elegance, just moments from the sugar-white sands of Blue Mountain Beach. Completely remodeled in 2020 and meticulously maintained since, this 5-bedroom, 5 full bath, 2 half bath, plus office retreat offers over 4,200 square feet of refined living space and gulf views from its top-floor, covered veranda. The home makes a statement from the moment you arrive—clean-lined white stucco, professional landscaping, and a gracious front entry framed by swaying palms. Inside, wide-plank hardwood floors, custom millwork, and a palette of soft neutrals provide an atmosphere of understated luxury. The vaulted great room impresses with its beamed wood ceilings and dual iron chandeliers, anchored by Restoration Hardware furnishings that convey with the home. The designer kitchen offers style and substance with custom cabinetry, sleek appliances, quartz countertops with waterfall edges, and a spacious island perfect for entertaining. A butler's pantry with wine cooler, ice maker and custom cabinetry adds both function and flair. Each bedroom is a sanctuary, featuring en suite baths with spa-like finishes, generous closet space, and designer lighting. The home features two true primary suites, each offering its own distinctive character and comfort. The first suite boasts a serene sitting area, expansive custom-built closet, and a spa-like bath with freestanding soaking tub, oversized glass shower, and twin vanities. A second primary suite dazzles with chevron-accent feature wall, designer lighting, and a bath featuring upscale decor. The home also features a built-in bunk room, a separate dedicated office, two laundry areas, and a drop-zone style mudroom with custom storage built-ins. Tech-savvy upgrades include motorized window shades, surround sound, and elevator access to all levels. Even the garage has been outfitted with cabinets and extra storage. Outdoor living is just as exceptional. The covered summer kitchen is equipped with built-in grill, vent hood, sink, and prep space, while the adjacent fireplace lounge with TV connection invites year-round enjoyment. The third-story covered veranda captures breezes and gulf viewsideal for morning coffee or golden-hour gatherings. Additional highlights: " Oversized two-car garage with extended paver driveway " Exquisite trim detail " Offered fully furnished with Restoration Hardware pieces " Non-short-term rental community with deeded beach access, resort-style community pool, and tennis court " Gated entry in the heart of Blue Mountain Beach All within walking distance to favorites like Red Fish Taco, Blue Mountain Creamery, Basmati's, Mimmo's and so much more. A rare offering in one of 30A's most sought-after enclaveswhere design meets livability, and every detail is polished to perfection.

Highlights

Listed by Blake C Jones , 850-714-4252 and Randy Carroll , 850-624-0037 Scenic Sotheby's International Realty , 850-231-6052. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.19

HOA Fee

Year Built

1995

County

Walton

Area

17 - 30A West

Neighborhood

Village Of White Cliffs The

Listing ID

975852

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:5
  • Bathrooms:7
  • Full Bathrooms:5
  • 1/2 Bathrooms:2
Appliances:Cooktop, Dishwasher, Disposal, Dryer, Ice Machine, Microwave, Oven Double, Oven Self Cleaning, Range Hood, Refrigerator W/IceMk, Security System, Smoke Detector, Stove/Oven Dual Fuel, Washer
Air Cond:Central Air
Fireplaces:
Floor:Floor Hardwood,Floor Tile
Other:
  • Additional:Breakfast Bar, Built-In Bookcases, Ceiling Cathedral, Ceiling Raised, Ceiling Vaulted, Elevator, Kitchen Island, Lighting Recessed, Newly Painted, Owner's Closet, Pantry, Walls Wainscoting, Washer/Dryer Hookup, Wet Bar, Woodwork Painted

Exterior Features

Lot:Cleared,Corner,Covenants,Restrictions,Sidewalk,Within 1/2 Mile to Water
Lot Dimensions:63 X 201 X 70 X 130
Zoning:Resid Single Family
Others:
  • Additional:Balcony, BBQ Pit/Grill, Columns, Sprinkler System, Summer Kitchen, Deck Covered, Porch, Fenced Lot-Part
Sewer:Public Sewer
Principal Interest
$16,204
Taxes
$1,239
HOA
$0

Home Price

$3,195,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$639,000
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:
$16,204.44

Principal

Taxes

Principal Taxes HOA Total
Monthly $16,204.44 $1,238.98 $0.00 $17,443.42
Yearly $194,453.25 $14,867.80 $0.00 $209,321.05
Total $5,833,597.38 $446,034.00 $0.00 $6,279,631.38

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: 2026-08-20T07:16:22.000Z

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