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Harrison Lilly

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

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191 Water Oaks Loop , Santa Rosa Beach, FL 32459
$445,000
Est. Payment: $2,256.72/mo
3 Bed
3 Bath
1417 Sqft
Status: active | Days on site: 102
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Never lived in 2021-built Florida cottage in a non-short-term rental community in Santa Rosa Beach, offering a quiet residential setting just minutes from 30A and local hotspots. Originally held off-market as the builder's office, this home presents as new with a clean, well-maintained interior and no prior occupancy. The 3-bedroom, 2.5-bath layout spans approximately 1,417 square feet with an open-concept living area, tray ceilings, and abundant natural light. The kitchen features white shaker cabinetry, solid surface countertops, stainless steel appliances, and a large island overlooking the main living space. Luxury vinyl plank flooring runs throughout, creating a cohesive, low-maintenance interior. The primary suite includes a double vanity and a walk-in shower. The split-bedroom layout provides separation from the additional bedrooms. Located in a neighborhood with HOA-maintained standards and no short-term rentals, this property offers a more stable, residential environment compared to nearby rental-heavy areas. Conveniently located just off Mussett Bayou with easy access to Hwy 98, 30A, dining, shopping, and the emerald coast beaches. All information is deemed reliable but not guaranteed. Buyer to verify all details, including but not limited to measurements, features, zoning, and permitted uses.

Highlights

Listed by Crystal A Ball , 205-329-0759 Anchor Realty Florida , 850-653-3333. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.09

HOA Fee

Year Built

2021

County

Walton

Area

16 - North Santa Rosa Beach

Neighborhood

Water Oaks

Listing ID

999960

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Appliances:Cooktop, Dishwasher, Freezer, Microwave, Refrigerator, Smoke Detector, Stove/Oven Electric
Air Cond:Ceiling Fans,Central Air
Fireplaces:

Exterior Features

Lot Dimensions:50x85
Zoning:Resid Single Family
Others:
  • Additional:Columns, Sprinkler System, Patio Covered, Patio Open, Porch
Sewer:Community Sewer
Principal Interest
$2,257
Taxes
$255
HOA
$0

Home Price

$445,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$89,000
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:
$2,256.72

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,256.72 $255.05 $0.00 $2,511.78
Yearly $27,080.66 $3,060.66 $0.00 $30,141.32
Total $812,419.78 $91,819.80 $0.00 $904,239.58

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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