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Harrison Lilly

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

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5133 Indian Bluff Dr , Youngstown, FL 32466
$995,000
Est. Payment: $5,046.45/mo
4 Bed
4 Bath
4248 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

Where timeless craftsmanship meets breathtaking waterfront views. This exceptional custom-built estate on Bear Creek offers 145 feet of waterfront on 0.68 acres with direct navigable access to Bear Creek, Econfina Creek, and Deer Point Lake. Featuring 4,248 square feet, this two-story home includes 4 bedrooms, 3.5 bathrooms, a dedicated office that can serve as a fifth bedroom, and two primary suites on the main level. Step through the grand foyer into the impressive great room with a soaring 20-foot vaulted real wood plank ceiling and stunning water views. The open-concept kitchen, dining, and living areas are designed for entertaining and feature a large center island, premium appliances, and an oversized walk-in pantry. The primary suite includes a private sunroom overlooking the water, while upstairs offers two additional bedrooms with a Jack-and-Jill bath, a second laundry area, and a spacious flex room perfect for a media or game room. Enjoy outdoor living from the covered back porch with an outdoor kitchen, overlooking Bear Creek. A 100-foot dock, irrigation system supplied by the creek, and a 24' x 36' detached outbuilding with loft provide endless opportunities for boating, storage, hobbies, and recreation. This one-of-a-kind waterfront property offers luxury, space, and the waterfront lifestyle you've been waiting for. Schedule your private showing today!

Highlights

Listed by Brandi M Jones , 850-832-3095 and Mark A Chambliss , 334-596-1474 Coastal Palms Real Estate , 716-912-1447. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.68

Year Built

2007

County

Bay

Area

04 - Bay County - North

Neighborhood

Indian Bluff

Listing ID

793652

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:4
  • Full Bathrooms:3
  • 1/2 Bathrooms:1
Appliances:Gas Oven, Gas Range, Tankless Water Heater
Air Cond:Central Air,Multi Units
Fireplaces:
Other:
  • Additional:Bidet, Double Vanity, Interior Steps, Main Level Primary, Sitting Area in Primary, Soaking Tub, Separate Shower, Walk-In Closet(s), Entrance Foyer, Instant Hot Water

Exterior Features

Lot:Sprinkler System,Paved
Lot Dimensions:120.0 ft x 247.0 ft
Zoning:Resid Single Family
Roof:Metal
Others:
  • Additional:Barbecue, Dock
Principal Interest
$5,046
Taxes
$429

Home Price

$995,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$199,000
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:
$5,046.45

Principal

Taxes

Principal Taxes HOA Total
Monthly $5,046.45 $429.31 $0.00 $5,475.76
Yearly $60,557.43 $5,151.72 $0.00 $65,709.15
Total $1,816,722.82 $154,551.60 $0.00 $1,971,274.42

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 (Youngstown, 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