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About This Home

This 4-bedroom, 4-bathroom single family at 3940 Plantation Cove Ct in Milton, FL is listed for $1,630,000 ($427 per sqft). Built in 2018, the home offers 3,815 sqft of living space on a 0.63 acres lot.

Agent Description

Welcome to the Blackwater Jewel, a truly rare opportunity to own a waterfront home that combines exceptional craftsmanship, thoughtful design, and an unmatched lifestyle on Blackwater Bay. Situated on the largest lot in Bay Pointe Plantation, this custom brick residence offers panoramic water views and the peace of mind of an X flood zone, meaning no flood insurance is required, a feature that is incredibly hard to find along the water.

Completed in 2018, this 3,815 square foot home was built for both everyday living and effortless entertaining. From the moment you step inside, the bayfront views draw you in, perfectly framed by an open concept layout, wood flooring, custom built ins, and a brick gas fireplace.

The kitchen is both beautiful and functional, featuring quartz countertops, double ovens, a custom island with banquette seating, and a walk in butler's pantry complete with a coffee nook, prep sink, filtered water, and ice maker. What truly sets this home apart is the level of craftsmanship throughout.

The seller, a master cabinet maker, has created custom cabinetry, closets, and detailed trim work that elevates every space and makes the home feel like a one of a kind work of art. The primary suite offers a private retreat with a spa like bath, while each additional bedroom includes its own en suite bath.

Upstairs, a spacious game room with wet bar, private office, and walk around attic provide flexibility for how you live. Step outside and the lifestyle continues. Over 900 square feet of outdoor living space includes a covered porch, outdoor kitchen, open deck, and enclosed shower.

The custom dock features smart lighting, covered boat storage, and a fully equipped fish cleaning station with bar seating, creating the perfect setting for days on the water and evenings by the bay. This is more than a home, it is a rare chance to experience waterfront living the way it was meant to be.

Key Features

  • Built in 2018
  • 0.63 acre lot
  • 3 parking spaces
  • Fireplace
  • Waterfront

Property Details

1 story
4 full
3 spaces
2018

Amenities

FireplaceWaterfrontViewA/C

Monthly Cost Estimate

$9,843/mo

20% down · 6.5% · 30 years

Principal$1,179
Interest$7,063
Insurance$475
HOA$1,125

Estimates only. Actual payments may vary.

Location

3940 Plantation Cove Ct

Milton, FL 32583

Bay Pointe Plantation

Features & Amenities

Exterior Features

Irrigation WellOutdoor KitchenSprinklerRain GuttersDock

Property Details

Construction

Brick

Views

WaterRiver

Pool Features

PatioPorchDeck

Parking

OpenGarageGuest

Heating

CentralFireplace(s)

Cooling

Ceiling Fan(s)Multi UnitsCentral Air

Appliances

Tankless Water Heater/GasBuilt In MicrowaveDishwasherDouble OvenRefrigeratorSelf Cleaning OvenOven

Questions & Answers

This 4-bedroom, 4-bathroom single family at 3940 Plantation Cove Ct is listed at $1,630,000 ($427/sqft). The estimated monthly payment is $8,188 based on 20% down at 6.5% interest.

HOA fees are $1125/month.

Key features include: Built in 2018, 0.63 acre lot, 3 parking spaces, Fireplace, Waterfront. Exterior Features: Irrigation Well, Outdoor Kitchen, Sprinkler.

This property is listed by Jessica Duncan or Jessica@jessicaloveduncan.com.

JD

Jessica Duncan

Agent at Duncan Real Estate Collective LLC

Listed by Duncan Real Estate Collective LLC · View on Broker Site

MLS# 681724· Source: listhub· Updated 34 days ago

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

3940 Plantation Cove Ct, Milton, FL 32583

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