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Harrison Lilly

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

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189 N Southern Cross Ln , Watersound, FL 32461
$5,500,000
Est. Payment: $27,892.07/mo
5 Bed
9 Bath
5525 Sqft
Status: active | Days on site: 116
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

At 189 N Southern Cross Lane, a sense of anticipation lingers in the air--an emerging residence taking shape within the gated community of WaterSound Camp Creek, where thoughtful design and coastal beauty meet. Currently under construction and nearing completion, this home by Minchew Design Build is being crafted with intention, each detail contributing to a larger story of how a home should feel as much as how it should function. Thoughtfully designed for modern living, the residence is also fully smart-home wired, seamlessly integrating convenience and technology throughout. One of the defining luxuries of Camp Creek living is the inclusion of a WaterSound Club membership, extending the experience far beyond the residence itself. Days can begin with a round of unlimited golf, followed by an afternoon on the private beach with dedicated setups, a match on the tennis or pickleball courts, or time spent at the zero-entry pools. The club's wellness offerings are equally compelling, with strength training and cardio facilities, fitness classes, and rejuvenating sauna and steam rooms creating an amenity experience that feels more like a private resort. Encompassing more than 5,500 square feet, the home unfolds with quiet confidence. As you move through the interiors, white oak hardwood floors carry a sense of warmth underfoot, guiding you from one space to the next. The main living areas are designed for both connection and ease--anchored by a fireplace and complemented by a butler's pantry and temperature-controlled wine room, where evenings can begin with a simple pour and evolve into something more memorable. There is a rhythm to the layout--moments of gathering balanced with spaces for retreat. A dedicated office offers a place for focus, while an upstairs living area invites slower afternoons or movie nights that stretch long past sunset. The bunk room with its reading loft introduces a sense of imagination, while a second primary suite on the upper level provides an additional private retreat for comfort and flexibility. Additional unfinished space not included in the main square footage offers flexibility for a private suite, fitness studio, or creative retreat, further enhancing the home's versatility. The primary suite feels elevated in both design and perspective, with vaulted ceilings and soft pond views that shift with the light throughout the day. It's a space designed for stillness--where mornings arrive gently and evenings settle in with ease. Outdoors, the home opens into a setting designed to be lived in fully. A heated saltwater pool and hot tub become the center of the experience, framed by an outdoor kitchen and fireplace that invite conversation, celebration, and time spent under open skies. Subtle architectural touches, including copper roof accents, add character and a sense of permanence. The five-car garage, thoughtfully designed to accommodate a lift, speaks to both practicality and possibility--space not just for storage, but for lifestyle. As it nears completion, 189 N Southern Cross Lane tells a story of balance--between architecture and environment, gathering and solitude, intention and ease. It is a home designed not simply to be seen, but to be experienced over time, where each day unfolds with a quiet sense of place within Camp Creek and is enriched by the extraordinary lifestyle of WaterSound Club.

Highlights

Listed by Hilary K Farnum-Fasth , 850-685-0171 and Sydney Volkert , 270-784-4844 Corcoran Reverie SRB , 850-231-5030. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.37

Year Built

2026

County

Walton

Area

18 - 30A East

Neighborhood

Watersound Camp Creek

Listing ID

1000249

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:5
  • Bathrooms:9
  • Full Bathrooms:5
  • 1/2 Bathrooms:4
Appliances:Auto Garage Door Opn, Dishwasher, Disposal, Dryer, Freezer, Microwave, Refrigerator, Stove/Oven Gas, Washer, Water Heater - Tnkls
Air Cond:Central Air
Fireplaces:Fireplace
Floor:Floor Hardwood
Other:
  • Additional:Ceiling Raised, Ceiling Vaulted, Fireplace, Lighting Recessed, Pantry, Washer/Dryer Hookup, Wet Bar

Exterior Features

Lot:Covenants,Dead End,Level
Lot Dimensions:134'x198'x97'x146
Zoning:Resid Single Family
Others:
  • Additional:BBQ Pit/Grill, Fenced Back Yard, Hot Tub, Patio Covered, Patio Open
Sewer:Public Sewer
Parking Features:Garage
Principal Interest
$27,892
Taxes
$527

Home Price

$5,500,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$1,100,000
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:
$27,892.07

Principal

Taxes

Principal Taxes HOA Total
Monthly $27,892.07 $527.08 $0.00 $28,419.15
Yearly $334,704.78 $6,324.99 $0.00 $341,029.77
Total $10,041,143.41 $189,749.70 $0.00 $10,230,893.11

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 (Watersound, 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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