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Harrison Lilly

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

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124 Portugal Cove , Valparaiso, FL 32580
$2,500,000
Est. Payment: $12,678.21/mo
4 Bed
4 Bath
3431 Sqft
Status: active | Days on site: 5
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Experience refined waterfront living in this beautifully crafted 4-bedroom, 3.5-bath, 3 car garage home built by premier local builder. Stunning wall of windows frames peaceful open water views, filling home with natural light & creating unforgettable backdrop for everyday waterfront retreat living & entertaining. Hardwood floors flow throughout home (no carpet), open concept, custom kitchen with distinctive brick accent wall, enormous island, coffee/beverage center, private butler's pantry complete with refrigerator, sink, dishwasher, & microwave, offering exceptional convenience for hosting & daily living. For those who love to entertain, the speakeasy-style wine tasting room creates a memorable gathering space with character and charm. The waterfront-facing primary suite is a true retreat, with serene views, a dream walk-in closet, spa-inspired bath featuring a large tiled walk-in shower & separate soaking tub. Additional bedrooms & baths provide comfortable space for family, guests, &/or a home office. Outdoors: the fully fenced, sodded & landscaped yard leads to a lovely deck & private dock designed for waterfront enjoyment, featuring an outdoor shower & paddle board storage for easy days on the water. Creamy white painted exterior brick, a durable metal roof, & high-end features throughout, this one-of-a-kind waterfront home offers the perfect blend of luxury, comfort, and coastal lifestyle. Come see for yourself! Buyer to verify all deemed important information.

Highlights

Listed by Kelli M Van Pelt , 850-797-0315 and Roy L Sutton , 850-797-0315 Eagle Bay Real Estate , 850-797-5693. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.78

Year Built

2020

County

Okaloosa

Area

13 - Niceville

Neighborhood

Portugal Cove

Listing ID

1009705

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:4
  • Full Bathrooms:3
  • 1/2 Bathrooms:1
Appliances:Auto Garage Door Opn, Cooktop, Dishwasher, Disposal, Freezer, Ice Machine, Microwave, Oven Double, Range Hood, Refrigerator, Smoke Detector, Stove/Oven Dual Fuel, Wine Refrigerator, Water Heater - Tnkls
Air Cond:Ceiling Fans
Fireplaces:
Floor:Floor Hardwood,Floor Tile
Other:
  • Additional:Ceiling Crwn Molding, Ceiling Raised, Kitchen Island, Lighting Recessed, Pantry, Pull Down Stairs, Split Bedroom, Washer/Dryer Hookup, Wet Bar

Exterior Features

Lot:Covenants,Within 1/2 Mile to Water,Bay,Bayou
Lot Dimensions:231x140x295x60x145
Zoning:Resid Single Family
Others:
  • Additional:Rain Gutter, Dock, Fenced Back Yard, Shower, Deck Covered, Deck Open, Porch
Sewer:Public Sewer
Principal Interest
$12,678
Taxes
$1,391

Home Price

$2,500,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$500,000
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:
$12,678.21

Principal

Taxes

Principal Taxes HOA Total
Monthly $12,678.21 $1,391.49 $0.00 $14,069.70
Yearly $152,138.54 $16,697.88 $0.00 $168,836.42
Total $4,564,156.09 $500,936.40 $0.00 $5,065,092.49

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

6%

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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: 2026-08-20T06:32:47.000Z

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