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4BR/3.5BA Azalea floor plan in Emerald Cove Villas. Assumable 2.5% VA loan and paid-off solar panels. Built 2020. Over $58K Seller Upgrades!

ASSUMABLE 2.5% VA LOAN AVAILABLE FOR QUALIFIED BUYERS PLUS FULLY PAID SOLAR PANELS CONVEY AT CLOSING.

Welcome to 357 Emerald Cove Street, where modern coastal living meets exceptional value in one of Panama City Beach's most desirable newer communities. Situated on a premium lot in Emerald Cove Villas, this 4-bedroom, 3.5-bathroom Azalea floor plan offers approximately 2,470 square feet of thoughtfully designed living space.

One of the home's most compelling advantages is the opportunity for qualified buyers to assume the existing VA loan with a 2.5% interest rate. In today's market, opportunities like this are increasingly rare. Adding even more value, fully paid-off solar panels to convey at closing, allowing the next owner to enjoy the benefits of energy-efficient living with fully-owned solar panels from day one.

Designed for both everyday functionality and entertaining, the highly sought-after Azalea floor plan features a first-floor primary suite, providing privacy and convenience rarely found at this price point. The open-concept kitchen includes a center island, pantry, recessed lighting, an updated backsplash, and a newer refrigerator and flows seamlessly into the dining and living spaces. Upstairs, three additional bedrooms are complemented by a spacious bonus living area that can easily serve as a media room, home offic fitness space, or second gathering area. Move-in-ready improvements continue throughout the property. Upgraded interior paint, a security system, garage shelving, additional outdoor storage, and an outdoor shower enhance everyday living. Outside, professionally enhanced landscaping/hardscaping creates a welcoming backyard retreat complete with fruit trees including peach, lemon, and orange varieties. Stone accents, paver details, covered porches, and a fully fenced backyard with fruit trees backing up to preserve add both beauty and practicality.

Emerald Cove Villas has become a favorite among buyers seeking newer construction with convenient access to everything Panama City Beach has to offer. Located conveniently just north of the Hathaway Bridge, residents enjoy a community dog park, sidewalks, and street lighting, all with low HOA fees and a prime location just minutes from retail, dining, recreation, NSA Panama City, St Andrews Bay Marinas, the Panama City Beach Sports Complex, and the Gulf's sugar-white beaches and. The location also provides convenient access to NSA Panama City and Tyndall Air Force Base.

Offered at $455,000, this home delivers a combination of features that is increasingly difficult to find: newer construction, a flexible floor plan, fully-owned solar panels providing very low utility bill, a premium preserve-view lot, and the potential advantage of an assumable 2.5% VA loan for qualified buyers.

If you've been waiting for a large 4 BR Panama City Beach home that offers a great location, gorgeous curb appeal and style, thoughtful upgrades and energy efficiencies, 357 Emerald Cove Street deserves your attention. Schedule your private showing and experience firsthand why this home stands apart from the competition. Catch it while you can!

Panama City Beach

357 Emerald Cove Street

4 Beds

3 Baths

2,470 Sq.Ft.

$455,000

MLS#: 1006125

Nestled on a prime lakefront homesite in the gated community of Forest Lakes, this custom-built residence by Luke & Blues Custom Homes, designed by the acclaimed Archiscapes Architects, offers an exceptional blend of timeless architecture, luxury finishes, and an unrivaled waterfront setting. Lovingly maintained by its current owners and never offered as a rental, this impeccably cared-for home presents with a level of freshness rarely found along 30A. Situated on a quiet cul-de-sac overlooking the community's picturesque lake, it captures tranquil water views from multiple levels while being just moments from the sugar-white beaches and renowned dining along Scenic Highway 30A.

Designed for effortless coastal living and entertaining, the thoughtfully crafted floor plan features four spacious bedrooms, four full baths, a third-floor bonus room with full bath, and an iconic fourth-floor tower offering panoramic treetop and lake views. The open-concept living, dining, and kitchen spaces are highlighted by wide-plank wire-brushed oak flooring, shiplap walls throughout, abundant natural light, and an impressive 18-foot Eurowall six-panel folding glass door that seamlessly opens the living room to the expansive screened porch overlooking the water. The chef's kitchen is beautifully appointed with quartz countertops, a Wolf gas range, Fisher & Paykel double-drawer dishwasher, farmhouse sink, wine refrigerator, ice maker, drawer microwave, custom cabinetry, handcrafted subway tile backsplash, under-cabinet lighting, oversized island, and generous pantry storage.

The serene primary suite enjoys its own private screened porch overlooking the lake, a custom-designed walk-in closet, and a luxurious spa bath featuring marble finishes, dual vanities, and an oversized shower with rain, wall, and handheld shower systems. Every bedroom offers exceptional comfort with custom closet systems and beautifully finished baths, while the versatile third-floor bonus room provides additional space for guests, a home office, or media room.

Every detail reflects quality craftsmanship, including upgraded designer lighting, custom window treatments, whole-house sprinkler and security systems, two Rinnai tankless water heaters, built-in speakers, hidden storage, and extensive custom millwork throughout. The charming tower retreat, surrounded by fourteen windows with remote-controlled shades, opens to a private balcony where sweeping lake and sunset views create the perfect place to unwind.

Forest Lakes is one of 30A's most sought-after gated communities, offering a rare combination of privacy and convenience with resort-style amenities including a two-tier pool, pavilion with outdoor fireplace and grilling area, playground, walking trails, expansive green spaces, and a scenic boardwalk spanning the lake. With no short-term rental restrictions, this remarkable residence is equally suited as a primary home, vacation retreat, or exceptional investment opportunity.

Custom designed, expertly built, and positioned on one of Forest Lakes' premier lakefront homesites, 68 Okeechobee Circle represents a rare opportunity to own one of the community's finest residences.

Santa Rosa Beach

68 Okeechobee Circle

4 Beds

4 Baths

2,952 Sq.Ft.

$1,975,000

MLS#: 1006686

This 5 acre property is only offered for sale together with the contiguous 5.2 acres of vacant land Parcel ID 28-2S-19-24050-012-0010 and will only be sold together.

In this captivating estate at 442 Nicole Forest Drive, coastal luxury has truly been redefined. Here, you will not find seashells, starfish or sand dollars. What you will find is a richness that blends Old Florida coastal living with European luxury. This remarkable estate, with breathtaking views of the Choctawhatchee Bay, features over 10 acres of lushly wooded, private bay frontage and almost 8,000 square feet of luxury living space. The home was designed by Savoie Architects with fixtures, finishes and lighting throughout the home selected by Erika Powell of Urban Grace Interiors, and masterfully constructed by Davis Dunn Construction in 2017. The private estate is comprised of a main house and attached carriage house with four spacious bedrooms, a bunk room, saltwater pool and private dock.

An end-of-the-road cul-de-sac delivers you to the estate's private gate. Upon entering the property, you will find yourself surrounded by massive moss-draped trees of the Point Washington State Forest. An authentic cobblestone driveway meanders to the home's large covered front porch adorned with poplar bark siding, Bevolo gas lanterns, and a solid mahogany front entry door. Through the front door, you will find the elegantly furnished main living and dining area of the home with massive, reclaimed oak beams from a 100-year old Amish dairy barn, reclaimed oak hardwood flooring, two massive, stone masonry, wood-burning fireplaces with gas starters, and 12-foot tall EuroWall folding glass doors opening the space to the expansive outdoor screened porch.

Continuing to the east wing of the home, there is a luxurious guest bedroom with en suite bathroom with heated floors and walk-in closet. Around the corner from the guest bedroom is an elegantly appointed library and sitting area featuring a custom-made antler chandelier, another stone masonry, wood-burning fireplace and large state-of-the art television -- a perfect spot for relaxing, reading or watching movies. Beyond the library is a large conservatory replete with glass ceiling, heated brick flooring and recirculating fountain. This room lends itself to additional entertainment space, a quiet meditation room, indoor botany and more.

Nestled in the far east end of the home you will find a luxurious master suite that features a large sitting area, both his and hers dressing rooms, expansive bathroom with heated marble floors and dual vanities, a large jetted tub and steam shower. Adjacent is a dedicated laundry area, as well as a private office with pecky cypress walls and custom-built Grimes cabinetry featuring a daybed with pull-out trundle.
Spanning the length of the house, folding EuroWall doors take advantage of the unparalleled views of the Choctawhatchee Bay. The massive screened porch has a heated saltwater pool and hot tub, outdoor stone masonry wood-burning fireplace with outside television hidden behind hand-painted storage doors, several seating and dining areas, and a large grilling area. Where you can find the utmost seclusion is on the private boat dock that extends far out into the bay with mullet jumping and redfish lying in wait. The state-of-the-art boat dock is fully equipped with a sealed motors boat lift, including fresh water, electricity, high speed Wi-Fi, Sonos music and security monitoring.

The home's large chef's kitchen features Grimes custom cabinetry and a massive center island topped with Sea Pearl quartzite. Two apron front Shaws porcelain sinks with brass Waterstone faucets offer plenty of room for multiple cooks to operate in this kitchen that feels more reminiscent of an elegant European estate. Featured appliances include a 48" Wolf range, Sub Zero full-size refrigerator and full-size freezer, four Sub Zero beverage refrigeration drawers, 2 Sub Zero wine coolers, and a Sub Zero warming drawer in the island. Add to this, EuroWall folding glass pass-thru windows that open from the kitchen to the outdoor grilling area of the side porch which features 2 Big Green Eggs, DCS plumbed gas grill, flat top griddle and an outdoor porch sink.
Adjacent to the kitchen, a charming butler's pantry, large enough to be a small kitchen, has ample cabinet and shelving space for pots and pans and pantry items as well as an additional drop-in Kohler sink and Wolf microwave.

The house boasts an enormous laundry room with an abundance of linen storage, as well as a half bathroom, and a mud room with more Grimes cabinetry for storage and a commercial ice maker. Exiting the mud room, you're led to the screened breezeway with access to the 3-car garage and carriage house.
The carriage house boasts almost 1600 square feet of additional living and guest space. On the ground floor, a large hobby room features a stone masonry, wood burning fireplace and captivating views of the bay. Upstairs, the carriage house accommodations include a full kitchen, two bedrooms with en suite bathrooms, a four-bed bunk room, and full-size laundry facilities. The screened porch, which is accessible through EuroWall glass doors, features another wood-burning fireplace and views of the bay.

Whole house systems include Control4 system with dimmable LED lighting, sound system and state-of-the-art security system, as well as high-speed fiber optic internet service, 70 kW whole-home generator, and Rinnai instant hot water system.

There is not another property on Choctawatchee Bay that compares to 442 Nicole Forest Drive. This is a rare opportunity to enjoy unprecedented richness, privacy and splendor with Old Florida vibes. Call today for your private showing.

Santa Rosa Beach

442 Nicole Forest Drive

4 Beds

4 Baths

7,582 Sq.Ft.

$14,500,000

MLS#: 1006765

Fort Walton Beach

314 Olympia Court

2 Beds

2 Baths

1,084 Sq.Ft.

$189,999

MLS#: 1006647

#1006234

Destin

503 Second Avenue

4 Beds

3 Baths

2,196 Sq.Ft.

$3,200

MLS#: 1006234

EASY SHOW!! Location, lifestyle, and endless potential -- this property truly checks all the boxes.

Tucked away on a quiet cul-de-sac just one mile to the beach and Destin Commons, and only one block from the Bay, this updated ranch-style home offers an incredible opportunity as a primary residence, second home, or investment property.

One of the biggest perks? You can golf cart straight to the beach -- a huge advantage in this area and a feature buyers absolutely love. Even better, there's NO HOA, giving owners the freedom and flexibility that's becoming harder to find along the coast.

The oversized backyard has plenty of room for a pool, outdoor entertaining area, or future expansion, making it easy for the next owner to create their dream coastal retreat. Beyond the home itself, the location is what truly makes this property special. It's walking distance to TWO parks and playgrounds, including one with a public boat ramp -- an incredible amenity for boating lovers and something that adds tremendous value to the area. There are also scenic walking trails nearby, plus a dog park just minutes away, making it perfect for full-time living, vacationing, or attracting future renters.

Inside, the home features vaulted ceilings, an open-concept layout, and French doors leading out to the backyard where you can enjoy peaceful bay breezes. The kitchen offers real wood cabinetry, an eat-in bay window area, and a comfortable layout designed for everyday coastal living.
Located by A+ top rated schools in the STATE!!!
Whether someone wants a beach getaway, a full-time home, or an income-producing rental property, this one offers the kind of location and lifestyle people are constantly searching for.
COME SEE THIS IN PERSON!!
*Listed under recent appraisal price!

Miramar Beach

36 Holiday Shores Court

3 Beds

2 Baths

1,440 Sq.Ft.

$499,000

MLS#: 1003280

Beautifully renovated home tucked away on a quiet cul-de-sac in The Woodlands! Situated on an oversized lot, this move-in-ready home features an updated kitchen, spacious walk-in laundry room, separate dining room, and a cozy living room with a fireplace. Enjoy your morning coffee on the covered front porch, and take advantage of the large backyard with plenty of room to entertain, play, or garden. A storage shed provides extra space for tools and equipment. Conveniently located just minutes from Eglin Air Force Base, Destin, shopping, dining, and the Emerald Coast's beautiful beaches. Don't miss your opportunity to own this updated home in a fantastic location!

Niceville

600 E Greenwood Cove

3 Beds

2 Baths

1,540 Sq.Ft.

$450,000

MLS#: 1006680

Located in Phase 2, this one family owned, never before rented home offers the privacy of a backyard preserve, a front yard facing a park area, while also being tucked nicely inside a private cove. This home has one of the largest private family pools inside the Watercolor community and was designed by the Stackable Group and built by Cole construction. A Peacock paver pool deck with fully fenced in back yard expands into a summer kitchen with an outdoor fireplace. The carriage house is fully equipped with a kitchen, full bath and extends over a full capacity two car garage. Inside the home you will find grey washed floors, mosaic marble bathrooms, and souring ceilings. A large fireplace anchors the living and dining area. This home offers large rental projections while also providing a luxurious secluded space within the community.

Santa Rosa Beach

40 Chapman Oak Way

6 Beds

5 Baths

5,768 Sq.Ft.

$8,000,000

MLS#: 1006685

#1006128

Niceville

300 Piney Creek Cove

3 Beds

2 Baths

2,501 Sq.Ft.

$745,000

MLS#: 1006128

Inlet Beach

106 S Southern Cross Lane

5 Beds

5 Baths

5,250 Sq.Ft.

$4,950,000

MLS#: 1006690

Turn Key cabin that is furnished less than 1500 feet from Bryant's Landing. Enjoy easy access to the Chipola River which is one of North Florida's truly remarkable ecosystems. Cabin is very spacious and is an open plan consisting of 2 bedrooms and 1 bath. Kitchen and dining area that open onto a screened porch suitable for enjoying the morning coffee or afternoon breezes. Plenty of closet space in the main living area as well as the bedrooms. Property also has covered parking as well as two additional storage rooms. Currently water and sewer are community owned and the annual fee is $600.00 for both. No HOA and only Gulf County restrictions. Less than 10 minutes to Wewahitchka, Only 20 minutes to Port St Joe, and about 25 minutes to Mexico Beach. Don't let this sportsman's paradise gem

Wewahitchka

223 High Roller Soldier Road

2 Beds

1 Baths

900 Sq.Ft.

$99,900

MLS#: 1006706

POPULAR PATRIOT RIDGE with a Community POOL, Cabana, sidewalks, underground utilities. The 'BEAU' model is a highly desirable open concept floorplan, 9 ft. ceilings, built-in lighting and a fabulous layout for relaxed living, 4 bedrooms, 2 bathrooms, 2-car garage, covered patio & the 'Smart Home Connect 'System with a variety of convenient Smart Home devices. NICE open living room with the dining area open to the kitchen & living room has lots of windows for natural lighting. A well-designed open kitchen includes stainless steel appliances, a smooth-top range, built-in microwave, gorgeous quartz countertops, quiet dishwasher, corner pantry, island bar, eye-catching wood-look flooring & plush carpet in the bedrooms. ALL LISTING pictures, colors, features, and size may vary. Square footages are approximate.

Crestview

4726 Marine Loop

4 Beds

2 Baths

1,856 Sq.Ft.

$369,900

MLS#: 1004607

READY TO MOVE IN. GREAT SPLIT FLOOR PLAN. HAS TWO LIVING AREAS, LARGE EAT-IN KITCHEN AND LOTS OF CABINET AND PANTRY AREA. MASTER BEDROOM VERY PRIVATE AND HAS 2 CLOSETS. ''EASY TO SHOW.''

Mary Esther

432 Pristine Water Lane

3 Beds

2 Baths

1,969 Sq.Ft.

$405,000

MLS#: 1006720

Price includes bonus lot High and Dry; Rural wooded and private property, paved road. Build your new home (mobile homes allowed) or hold for investment in this growing area while prices are still low. Electric at street, Survey available.

DeFuniak Springs

0 Williams Road

None Beds

None Baths

0.46 acres

$28,500

MLS#: 1006682

#1005192

Milton

6425 Aspen Avenue

4 Beds

2 Baths

1,917 Sq.Ft.

$329,000

MLS#: 1005192

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