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Harrison Lilly

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

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7424 Little Creek Cir , Southport, FL 32409
$520,000
Est. Payment: $2,637.34/mo
3 Bed
2 Bath
1710 Sqft
Status: active | Days on site: 114
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Experience waterfront living on deep-water Gulf access! Located on a canal, leading directly to the Gulf of America! This brick home offers easy access for boating, fishing, and kayaking along with wide water views and a private floating dock. A seawall, fenced yard, and a covered carport add everyday convenience. Inside, the large living and dining area features a carved marble fireplace and full height marble accent wall. Wood look porcelain tile flooring runs through the main living spaces, paired with matching baseboards for a clean, cohesive finish. Decorative tile ceilings and maple kitchen cabinetry bring additional character, highlighted by solid-surface countertops, built in microwave, and stainless-steel refrigerator. Both bathrooms include ceramic tile showers with glass doors and top of the line water heater adds efficiency. The screened back porch offers floor to ceiling views of the yard and water, while an elevated deck provides an additional outdoor space to take in the scenery. Almost half an acre lot is shaded by mature oak trees and features fruit trees, including figs, peaches, and mulberries. Major improvements provide peace of mind, including a 220-mph rated tile metal roof installed December 2024, new decking, underground electricity, and a new drain field for the concrete septic system. With direct Gulf access and a quiet natural setting, this property offers a practical, waterfront lifestyle with room to relax and enjoy coastal living. Only around ten minutes to stores and restaurants. Please verify all measurements and information.

Highlights

Listed by Sherry A Young , 850-381-3239 and Sarah Ruth Young , 850-896-5945 Sarah Ruth Young Realty , 850-896-5945. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.43

Year Built

1974

County

Bay

Area

04 - Bay County - North

Neighborhood

No Named Subdivision

Listing ID

785572

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Other:
  • Additional:Main Level Primary

Exterior Features

Lot Dimensions:90x214
Others:
  • Additional:Deck, Dock, Porch
Principal Interest
$2,637
Taxes
$92

Home Price

$520,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$104,000
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:
$2,637.34

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,637.34 $92.17 $0.00 $2,729.51
Yearly $31,648.10 $1,106.00 $0.00 $32,754.10
Total $949,443.08 $33,180.00 $0.00 $982,623.08

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

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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: 2026-08-20T06:33:19.000Z

© 2026 Bay County Association of REALTORS