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Harrison Lilly Team

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

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4501 Tender Creek Cove , Southport, FL 32409
$599,000
Est. Payment: $3,309.39/mo
3 Bed
2 Bath
2794 Sqft
1.3 Acres
Status: Active | Days on site: 3
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Harrison Lilly Team
Owner/Operator

House Description

Welcome to 4501 Tender Creek Cove in Cedar Creek, a gated community offering privacy, security, and resort-style amenities. This custom-built 2,654 sq ft home (2016) sits on a generous 1.3-acre lot on a quiet cul-de-sac, blending modern comfort with peaceful country living. The home features 3 bedrooms, 2.5 bathrooms, and a versatile upstairs loft that can easily function as a fourth bedroom, home office, or media room. Recent updates include a beautifully remodeled kitchen ideal for entertaining and a luxuriously updated primary bathroom designed for relaxation. A standout feature of the property is the enclosed 24' x 36' pole barn, complete with power and spray foam insulation, making it perfect for a workshop, storage, hobbies, or small business use. Residents of Cedar Creek enjoy access to an HOA that includes a clubhouse, swimming pool, playground, and expansive green spaces, providing a true neighborhood lifestyle while still offering room to spread out. Property highlights: Custom-built home (2016) 2,794 sq ft on a 1.3-acre lot 3 bedrooms + upstairs loft (optional 4th bedroom) 2 full baths + 1 half bath Whole House Stereo System Extended Back Patio Recently remodeled kitchen and primary bathroom Enclosed 24' x 36' pole barn with power & spray foam insulation Gated community with clubhouse, pool, playground & green space Quiet cul-de-sac location This property delivers the perfect combination of space, security, modern updates, and community amenities—a rare find in Cedar Creek.

Highlights

Listed by The Sanchez Group , 850-890-6262 Think Real Estate , 850-270-4200. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
1.3

HOA Fee

360 Quarterly

Year Built

2016

County

Bay

Area

04 - Bay County - North

Neighborhood

Cedar Creek Ph II

Listing ID

794072

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2

Exterior Features

Lot Dimensions:85 x 400
Principal Interest
$3,309
Taxes
$291
HOA
$360

Home Price

$599,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$119,800
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:
$3,309.39

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $3,309.39 $291.10 $360.00 $3,960.49
Yearly $39,712.66 $3,493.22 $4,320.00 $47,525.88
Total $1,191,379.94 $104,796.60 $129,600.00 $1,425,776.54

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