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Harrison Lilly Team

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

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3931 Deerpoint Lake Dr , Southport, FL 32409
$395,000
Est. Payment: $2,182.32/mo
2 Bed
2 Bath
1306 Sqft
1.17 Acres
Status: Active | Days on site: 15
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Harrison Lilly Team
Owner/Operator

House Description

LAKEFRONT | NO HOA | PRIVATE BOAT SLIP & DOCK This one-of-a-kind Southport property sits directly on Deer Point Lake and is made for buyers who want to spend more time outdoors and on the water. Step into the backyard and enjoy your own private dock with covered boat slip, offering direct access to boating, fishing, kayaking and everything lake life has to offer. Mature trees draped in Spanish moss create a peaceful setting, while the spacious backyard, fire pit area and large rear deck provide plenty of room to relax, entertain or simply take in the waterfront views. Inside, this 2-bedroom, 1.5-bath cabin is full of character, highlighted by a dramatic vaulted wood ceiling, exposed beams, wood-burning stone fireplace and an open living area with large windows that bring the outdoors in. An enclosed sunroom provides even more space for gathering, dining or relaxing while enjoying views of the property. Need room for boats, vehicles, hobbies or projects? The detached oversized 4-car garage extends beyond traditional garage space to provide a generous workshop area, while a separate storage building offers even more room for equipment, lake gear and outdoor essentials. Adding to the property's possibilities is an unfinished mother-in-law/guest quarters--a blank canvas ready for the next owner to complete and make their own. Create private accommodations for guests or extended family, a home office, studio, hobby space or whatever best fits your lifestyle. Tucked away in Southport while remaining convenient to Panama City and everyday necessities, this property offers a combination that's increasingly hard to find: lakefront living, no HOA, private water access, abundant storage and room to make it your own. Whether you're searching for a full-time waterfront home or a laid-back retreat where weekends revolve around the water, this Deer Point Lake property is ready to become your private lakeside escape.

Highlights

Listed by Joshua Hoey , 850-303-4050 Think Real Estate , 850-270-4200. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
1.17

Year Built

1984

County

Bay

Area

04 - Bay County - North

Neighborhood

Deerpoint Lake Heights

Listing ID

795400

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:2
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:1
  • ▪ 1/2 Bathrooms:1
Appliances:Electric Range, Ice Maker
Air Cond:Central Air
Fireplaces:
Other:
  • ▪ Additional:Main Level Primary

Exterior Features

Lot:Paved
Lot Dimensions:82.0 ft x 306.0 ft
Zoning:Resid Single Family
Others:
  • ▪ Additional:Boat Slip, Boat Ramp, Deck, Dock, Fire Pit
Parking Features:Circular Driveway
Principal Interest
$2,182
Taxes
$260

Home Price

$395,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$79,000
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:
$2,182.32

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,182.32 $260.45 $0.00 $2,442.76
Yearly $26,187.82 $3,125.36 $0.00 $29,313.18
Total $785,634.52 $93,760.80 $0.00 $879,395.32

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: 2026-10-07T03:46:57.000Z

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