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Harrison Lilly

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

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108 Penny Ln , Valparaiso, FL 32580
$299,900
Est. Payment: $1,521.04/mo
2 Bed
2 Bath
1012 Sqft
Status: pending | Days on site: 24
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
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House Description

Welcome to Kake Cottages of Valparaiso, where life is refreshingly simple and weekends are yours to enjoy. Thoughtfully designed for effortless living, this inviting home offers bright, open spaces that make gathering with family and friends feel natural, whether you're hosting game day, sharing a quiet morning coffee, or unwinding after work. Tucked away in an intimate community, you'll appreciate the convenience of being just minutes from Eglin Air Force Base, local golf courses, local restaurants, shopping, parks, boat launches, and the sugar-white beaches of the Emerald Coast. Whether you're purchasing your first home, looking to simplify your lifestyle, or searching for a smart long-term investment, this move-in-ready home offers the perfect blend of comfort, convenience, and carefree Florida living
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Highlights

Listed by Maria V Leos , 850-598-6251 Keller Williams Realty Destin , 850-654-2900. Emerald Coast Multiple Listing Services

Property Type

Residential

HOA Fee

Year Built

2025

County

Okaloosa

Area

13 - Niceville

 Neighborhood

Kake Cottages

Listing ID

1008413

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:2
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Dishwasher, Disposal, Microwave, Refrigerator, Stove/Oven Electric
Floor:Floor Vinyl
Other:
  • ▪ Additional:Lighting Recessed, Newly Painted, Washer/Dryer Hookup

Exterior Features

Lot:Covenants,Interior,Level
Lot Dimensions:40x65
Zoning:City, Resid Single Family
Others:
  • ▪ Additional:Porch
Sewer:Public Sewer
Principal Interest
$1,521
Taxes
$44
HOA
$0

Home Price

$299,900

Loan Details

30 yrs
6.529%

Down Payment

20%
$59,980
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:
$1,521.04

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,521.04 $44.09 $0.00 $1,565.13
Yearly $18,252.43 $529.10 $0.00 $18,781.53
Total $547,573.04 $15,873.00 $0.00 $563,446.04

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 (Valparaiso, 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 Emerald Coast Multiple Listing Services, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-08-20T07:16:22.000Z

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