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Harrison Lilly Team

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

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445 W Lake Forest Dr , Santa Rosa Beach, FL 32459
$3,395,000
Est. Payment: $18,756.89/mo
5 Bed
5 Bath
3363 Sqft
Status: Active | Days on site: 38
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Harrison Lilly Team
Owner/Operator

House Description

Set in WaterColor's coveted Camp District, directly across from the lily pond and bordered on two sides by forest, this Geoff Chick-designed home offers a rare sense of privacy and serenity in the heart of the community. Camp WaterColor is just a short walk away, while a quick bike or golf cart ride takes you to the WaterColor Beach Club. Custom-designed for this homesite, the architecture takes full advantage of its natural surroundings. Windows line the sides of the home where the view is nothing but trees, filling the interiors with natural light while preserving a strong sense of seclusion. Soaring ceilings and abundant glass make the home feel open and airy throughout. The main level unfolds into an expansive living and dining space beneath twelve-foot ceilings, anchored by a striking custom nautical-inspired staircase and a gas fireplace. Rich American walnut floors run throughout, while the generous kitchen features a large island, deep pantry, and wet bar designed for effortless entertaining. Across three floors, the home offers five bedrooms, four and a half baths, and 3,363 square feet. The second level includes the primary suite, two guest rooms each with an en suite bath, and a spacious landing with additional seating, while the third floor creates a private retreat with two additional bedrooms adjoining an entertainment room. Balconies overlook the peaceful lily pond, while the rear patio opens to a secluded forested setting with ample room to add a pool. Ownership includes access to WaterColor's exceptional amenities, including ten community pools, the Gulf-front Beach Club, Camp WaterColor and its lazy river, tennis, pickleball, fitness center, the Boathouse on Western Lake, and miles of shaded trails. Seaside and the restaurants and shops of 30A are an easy bike ride away. Offered furnished and rental-ready, with 2025-26 rental history and forward bookings available upon request.

Highlights

Listed by Nick Phillips Group , 850-399-0354 and Lauren P Boger , 910-520-0057 Scenic Sotheby's International Realty , 850-231-6052. Emerald Coast Multiple Listing Services

Property Type

Residential

HOA Fee

Year Built

2010

County

Walton

Area

18 - 30A East

Neighborhood

Watercolor

Listing ID

1010569

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:5
  • ▪ Bathrooms:5
  • ▪ Full Bathrooms:4
  • ▪ 1/2 Bathrooms:1
Appliances:Dishwasher, Disposal, Dryer, Ice Machine, Microwave, Smoke Detector, Stove/Oven Gas, Washer, Wine Refrigerator, Water Heater - Tnkls
Air Cond:Ceiling Fans
Fireplaces:Fireplace Gas
Floor:Floor Hardwood
Other:
  • ▪ Additional:Ceiling Tray/Cofferd, Kitchen Island, Lighting Recessed, Pantry, Washer/Dryer Hookup, Wet Bar

Exterior Features

Lot:Covenants,Irregular,Sidewalk,Within 1/2 Mile to Water
Lot Dimensions:60 x 115 x 85 x 38 x 33
Zoning:Resid Single Family
Others:
  • ▪ Additional:Balcony, Shower
Sewer:Public Sewer
Parking Features:Garage,Guest
Principal Interest
$18,757
Taxes
$1,342
HOA
$0

Home Price

$3,395,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$679,000
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:
$18,756.89

Principal

Taxes

Principal Taxes HOA Total
Monthly $18,756.89 $1,341.78 $0.00 $20,098.66
Yearly $225,082.63 $16,101.34 $0.00 $241,183.97
Total $6,752,478.96 $483,040.20 $0.00 $7,235,519.16

Today's Rates

30 Year

7.37%

20 Year

7.27%

15 Year

6.8%

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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: 2026-10-07T04:14:31.000Z

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