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Harrison Lilly

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

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1235 Watkins Cove , St George Islan, FL 32328
$1,750,000
Est. Payment: $8,875.67/mo
3 Bed
3 Bath
2512 Sqft
Status: active | Days on site: 60
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

A private bayfront retreat designed for boating, sunsets, and elevated coastal living. Located in Watkins Cove on St. George Island, this gulf coast home offers 3 bedrooms, 2.5 baths, and 2,512 sq ft of heated and cooled space on a 0.67 acre homesite. Built in 2001 on concrete pilings, the property combines structural durability with refined waterfront design. Plenty of parking! The private dock is built for full-day water use, featuring a boat lift, water, electric, fish cleaning station, sandy beach entry, and space to accommodate jet skis and additional watercraft. Southwestern exposure delivers uninterrupted sunset views across the bay. Inside, the main living space is defined by 12 ft ceilings, real oak hardwood floors, and wide bay-facing sightlines. The kitchen is equipped with upgraded stainless appliances and bar seating for six, flowing into a living area with gas fireplace and direct access to a full-width screened porch. A separate living room. A cargo and passenger elevator to main floor/screen porch. The primary suite is positioned for privacy and views, with a full bay-facing picture window, walk-in closet, and bath with double vanity, garden tub, and separate shower. Two additional upstairs bedrooms include walk-in closets; one offers a private balcony overlooking the water. The ground level includes a concrete slab, workshop, and storage area. A 20x40 pole barn with RV hookup supports boat and recreational storage. Covered parking, gated entry, aluminum coastal fencing, and an expansive gravel drive allow for multiple vehicles, water sport equipment or boats Whole-house generator included. Located minutes from the center of St. George Island in private subdivison,and a short drive to Apalachicola and Eastpoint. Private, functional, and built for waterfront living, fishing, boating, sunset cruises or paddleboarding across the bay and sandy beach activities! Do not miss this immnaculate home.

Highlights

Listed by Debbie L Kirkland , 850-212-0440 CENTURY 21 First Story Real Estate Company, LLC , 850-727-0066. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.67

Year Built

2001

County

Franklin

Area

18 - Franklin County

Neighborhood

No Named Subdivision

Listing ID

789495

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Appliances:Convection Oven, ENERGY STAR Qualified Appliances, Gas Cooktop, Gas Range, Gas Water Heater
Air Cond:Ceiling Fan(s),ENERGY STAR Qualified Equipment,Heat Pump,Multi Units
Fireplaces:Gas
Other:
  • Additional:Handicap Access, Interior Steps, Smart Thermostat, Entrance Foyer, Workshop

Exterior Features

Lot Dimensions:105x440
Zoning:Resid Single Family, Resort
Roof:Metal
Others:
  • Additional:Boat Lift, Covered Patio, Deck, Dock, Patio, Outdoor Shower, Porch
Parking Features:Electric Gate,Gravel,Gated,RV Carport,RV Access/Parking
Principal Interest
$8,876
Taxes
$453

Home Price

$1,750,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$350,000
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Monthly Price:
$8,875.67

Principal

Taxes

Principal Taxes HOA Total
Monthly $8,875.67 $453.00 $0.00 $9,328.67
Yearly $106,508.04 $5,436.00 $0.00 $111,944.04
Total $3,195,241.13 $163,080.00 $0.00 $3,358,321.13

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 (St George Islan, 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

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