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Harrison Lilly Team

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

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4509 Tender Creek Cove , Southport, FL 32409
$659,900
Est. Payment: $3,645.85/mo
4 Bed
3 Bath
2912 Sqft
1.75 Acres
Status: Pending | Days on site: 47
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Harrison Lilly Team
Owner/Operator

House Description

Back on market due to no fault of the sellers. Welcome to this beautifully crafted custom home offering 2,912 square feet of thoughtfully designed living space on a private 1.74-acre lot in a desirable gated community. Built in 2018, this 4-bedroom, 3-bath residence combines modern comfort with timeless style, all just a short drive from Panama City Beach. Step inside to an open-concept layout featuring 10-foot ceilings, abundant natural light, and high-end finishes throughout. The heart of the home is the spacious kitchen with an oversized 10-foot island, seamlessly flowing into the living and dining areas--perfect for both everyday living and entertaining. A cozy brick fireplace anchors the living room, while LVP flooring runs throughout the main areas for durability and style. The oversized primary suite offers a private retreat with direct access to the screened-in back porch, creating a seamless indoor-outdoor living experience. The en-suite bath features a walk-in shower with bench and a 6-foot soaking tub, while secondary bathrooms include upgraded 5-foot soaking tubs. Additional spaces include a dedicated office and a fully equipped movie room, providing flexibility for work, relaxation, and entertainment. Enjoy quiet mornings on the covered front porch, complete with a charming porch swing, or unwind in the spacious 18x10 screened-in back porch overlooking your private, wooded backyard. The outdoor space is truly one of a kind, featuring a custom tree fort and obstacle course tucked into the woods--perfect for adventure and creating lasting memories. The home's exterior showcases a beautiful blend of stone and board-and-batten siding, enhancing its curb appeal. Located within a gated community offering a pool, clubhouse, playground, and private dock access to Deer Point Lake, residents enjoy both privacy and convenience. Don't miss your chance to own a unique property that offers space, privacy, and lifestyle all in one. New roof will be added by end of June.

Highlights

Listed by Matt W Wright , 850-227-8276 Think Real Estate , 850-270-4200. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
1.75

HOA Fee

360 Quarterly

Year Built

2018

County

Bay

Area

04 - Bay County - North

Neighborhood

Cedar Creek At Deerpoint Lake

Listing ID

788526

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Air Cond:Central Air
Fireplaces:

Exterior Features

Lot:Cul-De-Sac
Lot Dimensions:158X480
Zoning:City, Resid Single Family
Roof:Shake
Principal Interest
$3,646
Taxes
$421
HOA
$360

Home Price

$659,900

Loan Details

30 yrs
7.374%

Down Payment

20%
$131,980
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:
$3,645.85

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $3,645.85 $420.69 $360.00 $4,426.54
Yearly $43,750.23 $5,048.24 $4,320.00 $53,118.46
Total $1,312,506.88 $151,447.05 $129,600.00 $1,593,553.93

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 (Southport, 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 Bay County Association of REALTORS, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-10-07T08:07:44.000Z

© 2026 Bay County Association of REALTORS