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About This Home

This 4-bedroom, 3-bathroom single family at 281 Royal Tern Way in Carrabelle, FL is listed for $445,000 ($217 per sqft). Built in 2022, the home offers 2,052 sqft of living space on a 0.17 acres lot.

Agent Description

Located in St. James Bay with golf course frontage on Hole 14, this 2,052 sq ft home features 4 bedrooms and 2.5 baths. Interior finishes include Hardie siding, a metal roof, granite countertops, stainless steel appliances, LVP flooring throughout, and a tiled master shower. Situated in Flood Zone X with no flood or wind insurance required. Currently operating as a short-term rental property. Furnishings are not included in the sale price but may be available for purchase separately. HOA dues are $120 per quarter.

Key Features

  • Built in 2022
  • 0.17 acre lot
  • 2 stories
  • 3 parking spaces

Property Details

2 stories
2 full, 1 half
3 spaces
2022

Amenities

A/C

Monthly Cost Estimate

$2,500/mo

20% down · 6.5% · 30 years

Principal$322
Interest$1,928
Insurance$130
HOA$120

Estimates only. Actual payments may vary.

Location

281 Royal Tern Way

Carrabelle, FL 32323

St James Bay

Features & Amenities

Interior Features

Kitchen IslandWalk-In Closet(s)

Property Details

Flooring

TileVinyl

Construction

HardiPlank Type

Pool Features

Porch

Parking

Garage - Attached

Heating

CentralElectric (Heating)

Cooling

ElectricCentral Air

Appliances

DishwasherElectric OvenMicrowaveRefrigeratorRefrigerator w/Ice MakerTankless Water Heater

Questions & Answers

This 4-bedroom, 3-bathroom single family at 281 Royal Tern Way is listed at $445,000 ($217/sqft). The estimated monthly payment is $2,048 based on 20% down at 6.5% interest.

HOA fees are $120/month.

Key features include: Built in 2022, 0.17 acre lot, 2 stories, 3 parking spaces. Interior Features: Kitchen Island, Walk-In Closet(s).

This property is listed by Amber Miller and can be reached at 8505090826 or ambermiller0826@gmail.com.

AM

Amber Miller

Agent at Golden Properties & Investments, Llc

(850) 509-0826

Listed by Golden Properties & Investments, Llc · View on Broker Site

MLS# 328481· Source: listhub· Updated today

Copyright © 2026 Forgotten Coast Realtor Association. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

281 Royal Tern Way, Carrabelle, FL 32323

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