$3,350,000

Experience a level of coastal living rarely offered along the Emerald Coast. This Spanish Mediterranean waterfront residence blends architectural elegance, fortress-level engineering, and intentional design for everyday comfort. Set on 102 feet of Choctawhatchee Bay frontage, the home offers more than 9,000 sq. ft. of total space with 7,272 sq.… Read More ft. of heated/cooled living area, positioned off of two quiet dead-end streets with only local traffic. Built with 12-inch Logix ICF concrete walls, impact-rated Low-E windows and doors, open-cell foam attic and garage insulation, Hurriquake roofing nails, a concrete barrel tile roof, an upgraded double-thickness vinyl seawall with granite rip rap, Snap Jacket dock piling protection, and a 45kW natural gas whole-house generator, this residence is engineered for strength, stability, and long-term peace of mind. It is also pre-wired for solar and fully framed and prewired for a future elevator, adding future-ready capability to its substantial resilience profile. After walking up the paved driveway and past lush landscaping with mature trees, the grand entrance begins with bay views through custom 10-foot Spanish Cedar and beveled-glass front doors that lead into a foyer centered around a free-standing engineered travertine staircase crowned by a motorized chandelier set in Pecky Cypress ceiling. Chiseled marble flooring extends throughout the first floor, guiding you through expansive living and dining areas framed by two full-wall retractable sliding glass doors that open to sweeping bay views. Four gas fireplaces, custom wood cabinetry, granite surfaces throughout, and a dedicated wet bar with ice maker and wine cooler elevate both everyday living and entertaining. The home's layout reflects thoughtful intentionality. A hidden private staircase leads directly to the study from the master wing, providing private access without disturbing activity elsewhere in the home. The upstairs study/lounge offers flexible space for reading, gaming, work, or relaxation. A full in-law suite includes its own entrance, driveway, kitchenette, bath, and laundry. Additional conveniences include a heated/cooled insulated workshop/garage, four zoned HVAC systems, whole-home A/V and Internet/Data wiring, central vacuum, hands free intercom system, and a stand-up attic for storage. Outdoor living is exceptional. A 20,000-gallon concrete heated saltwater pool with attached hot tub and custom lighted stone fountain anchors the bayfront backdrop, complemented by two screened lanais (one with a retractable screen), a NatureKast outdoor kitchen with gas grill and hood, and Pecky Cypress ceilings on all covered lanais and balconies. From the pool area, enjoy direct access to the outdoor shower or a dedicated pool bathroom complete with shower and floor drain. The Polaris EOS smart pool/landscape lighting system enables easy control from indoors or remotely. The reinforced dock offers water, electric, a boat lift, and a jet ski lift allowing you to keep your boat and wave runner on the lift, not in the driveway. From here, you can reach Destin by boat often faster than by car. This location embraces a lifestyle that feels like a postcard: beautiful sunrises and sunsets, dolphins in your backyard, and the ability to walk or take a golf cart to Shalimar Golf Course. On holidays, watch the Niceville, Destin, and Fort Walton fireworks simultaneously over the bay from your fire pit, hot tub, or pool deck. Walk to the end of your dock to pull up blue crabs or catch redfish and trout for dinner. Positioned in Flood Zone X, the home does not require flood insurance under current lender guidelines, providing additional ease and confidence for coastal living. Zoned for the Okaloosa County School District, known for its consistent "A" rating by the State of Florida, this home offers the perfect blend of beauty, strength, practicality, and coastal freedom. Best of all... NO HOA! Paint your mailbox whatever color you want! Read Less

Courtesy of Joseph F Richardson Richardson Realty International Inc

Listing Snapshot

Days Online

360

Last Updated

Nov 12, 2026

Property Type

Detached Single Family

Beds

Full Baths

Partial Baths

Square Ft.

7,033

Lot Size

0.49 Acres

Year Built

2010

MLS Number

989788

Additional Details

Property Access

Road Surface: Paved

Appliances & Equipment

Auto Garage Door Opn, Central Vacuum, Dishwasher, Disposal, Intercom, Microwave, Refrigerator W/IceMk, Security System, Smoke Detector, Stove/Oven Gas, Water Heater - Gas, Water Heater - Tnkls

Building

Built in 2010, Living area: 7033.0, Construction Materials: Concrete, Frame, Siding Brick Some, Stucco

Cooling

Ceiling Fans, Central Air

Exterior Features

Patio/Porch Features: Deck Open, Rain Gutter, Balcony, Boatlift, Dock, Hot Tub, Lawn Pump, Shower, Sprinkler System

Fence

Fenced Lot-All

Fireplaces

Fireplace Gas

Floors

Floor Marble, Floor Tile, Floor WW Carpet

Garage

3 spaces

Interior Features

Built-In Bookcases, Ceiling Raised, Fireplace, Fireplace 2+, Kitchen Island, Lighting Recessed, Pantry, Shelving, Washer/Dryer Hookup, Wet Bar

Lot

0.49 acres, Dimensions: 100x184x102x185, Bulkhead/Seawall, Dead End, Within 1/2 Mile to Water

Pool

Pool - Heated, Pool - In-Ground, Pool Type

Property

Construction Complete, Bay

Sewer

Public Sewer

Taxes

Parcel Number: 05-2S-23-1430-000A-0330, Annual Amount: $13,954.5, Legal Description: LAKE LORRAINE EST LOT 33 BLK A, Year: 2024, Zoning: Resid Single Family

Utilities

Gas - Natural, Public Water, TV Cable

Water Features

Bay

Windows

Plantation Shutters, Double Pane Windows, Storm Windows

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