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Harrison Lilly

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

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3640 Lucianne Dr , Vernon, FL 32462
$975,000
Est. Payment: $4,945.02/mo
6 Bed
5 Bath
4362 Sqft
Status: active | Days on site: 802
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Situated gracefully along the serene banks of Holmes Creek, this Creek Front Estate presents a distinguished opportunity for refined living within a tranquil natural setting. Encompassing nearly 2.5 acres of verdant landscape, this property comprises two distinct residences, embodying a harmonious blend of comfort and functionality. The primary dwelling, characterized by its timeless architectural design, accommodates four bedrooms and three full baths, thoughtfully arranged to provide spacious living areas conducive to both relaxation and entertainment. Embracing the creek view, multiple rooms within the main home offer glimpses of the serene waters, enhancing the connection to nature and fostering a sense of serenity throughout. Boasting two fully equipped kitchens and a collection of interior and exterior fireplaces, hosting gatherings and intimate gatherings alike is effortlessly facilitated within this abode. The expansive wooden porch and deck system extend an invitation to outdoor leisure, while the recreation room, ingeniously constructed around a majestic oak tree, serves as a distinctive focal point, seamlessly integrating the natural surroundings with modern living. The secondary residence, featuring two bedrooms and two baths, complements the estate with its understated elegance and functionality. A spacious sunroom overlooks the tranquil creek, offering an idyllic retreat for quiet contemplation or leisurely gatherings. Outdoor amenities include a pergola and expansive open deck, perfect for alfresco dining and relaxation amidst the enchanting landscape. Completing the estate are several outbuildings, multiple stone firepits, and a captivating stone waterfall system, each contributing to the property's charm and utility. Holmes Creek, renowned for its abundance of natural springs and access to the Choctawhatchee River, enriches the living experience with opportunities for exploration and recreation. Conveniently located less than 30 minutes from Panama City Beach, this Creek Front Estate strikes a balance between formal elegance and natural serenity, offering an unparalleled opportunity to embrace refined living amidst the beauty of Holmes Creek. Experience the timeless allure of this distinguished property, where every detail has been meticulously crafted to elevate the essence of home.

Highlights

Listed by Tyler W Everett , 850-381-1192 and Mike Alvis , 850-258-2214 Performance Realty , 850-547-9400. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
2.47

Year Built

1993

County

Washington

Area

10 - Washington County

Neighborhood

No Named Subdivision

Listing ID

754481

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:6
  • Bathrooms:5
  • Full Bathrooms:5
Appliances:Electric Range, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Cathedral Ceiling(s), Main Level Primary, Shower Only, Tile Counters

Exterior Features

Lot Dimensions:Irregular Multi Parcel
Zoning:Resid Single Family
Roof:Metal,Other
Others:
  • Additional:Barbecue, Covered Patio, Porch
Parking Features:Open
Principal Interest
$4,945
Taxes
$105

Home Price

$975,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$195,000
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:
$4,945.02

Principal

Taxes

Principal Taxes HOA Total
Monthly $4,945.02 $104.83 $0.00 $5,049.85
Yearly $59,340.19 $1,258.00 $0.00 $60,598.19
Total $1,780,205.77 $37,740.00 $0.00 $1,817,945.77

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 (Vernon, 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