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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.
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
Amenities
Monthly Cost Estimate
$9,843/mo
20% down · 6.5% · 30 years
Estimates only. Actual payments may vary.
Location
3940 Plantation Cove Ct
Milton, FL 32583
Bay Pointe Plantation
Features & Amenities
Exterior Features
Property Details
Construction
Views
Pool Features
Parking
Heating
Cooling
Appliances
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.
Jessica Duncan
Agent at Duncan Real Estate Collective LLC



