For sale - Closed

3940 Plantation Cove Ct

Beds
4
Bathrooms
4
sqft
3,815
sq.ft
$427

About this place

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.

Courtesy of Duncan Real Estate Collective LLC

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Property Highlights

Property type Single Family Residence
Bedrooms 4
Bathrooms 4
Status Closed
City Milton
Zip 32583
Square feet 3,815 sqft
County Santa Rosa
Subdivision Bay Pointe Plantation
Updated Aug 17, 2026
MLS ID 681724

Exterior Features

Roof See listing details
Construction Features Single Family Residence
Parking 4 spaces
Waterfront Nearby / listed

Interior Features

Bedrooms 4
Bathrooms 4
Square Feet 3,815 sq.ft
Property Type Single Family Residence

Financial Details

List Price $1,630,000
Estimated Payment $10,432/mo
Price per Sq.Ft $427
Status Closed

Location

County Santa Rosa
City Milton
Subdivision Bay Pointe Plantation
ZIP Code 32583

Schools

Elementary School Bagdad
Middle School AVALON
High School Milton

3940 Plantation Cove Ct is located in Milton, FL 32583

Payment calculator

$10,432 per month 30 year fixed, 7.25% interest

Down payment estimate: $326,000. Taxes, insurance, HOA fees, and lender costs are not included.