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Harrison Lilly

Owner/Operator | Harrison Lilly Emerald Coast | Harrison Lilly Realty | PLACE

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1096 Scenic Gulf Dr Unit 1012 , Miramar Beach, FL 32550
$775,000
Est. Payment: $3,930.65/mo
3 Bed
3 Bath
1617 Sqft
Status: pending | Days on site: 229
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

A family friendly property that renters will love. Checks all the boxes: Spacious, updated, and steps from the beach. This 3-bedroom, 3-bath corner condo at Surfside Resort offers a rare blend of lifestyle and income potential. With a smart lockout layout, owners can enjoy extended stays while renting part or all of the condo when away. Sold fully furnished, the residence features ceramic tile throughout, remote-controlled shades, and updated kitchen and baths with white cabinetry, granite countertops, and modern finishes. The lockout allows the unit to function as a full 3-bedroom or as a 2-bedroom and 1-bedroom, each with its own entry and balcony--an ideal setup for offsetting ownership costs. The unit sleeps 8 and has a strong rental history, with $78,007 in 2024 and $68,689 in 2025. Why this condo? It stands out not because of a single feature, but because of how well everything works together for an owner who wants to enjoy the beach lifestyle while making a smart long-term decision. With three true bedrooms and three full baths, this condo offers the size and livability that second-home buyers and extended families are looking for: space to settle in, host comfortably, and stay longer when visiting. The condo has been thoughtfully renovated and meticulously maintained, with ceramic tile flooring throughout (no carpet), updated kitchen and baths featuring white cabinetry, granite countertops, and modern tile, and an open-concept layout that feels bright, clean, and easy to live in. Remote-controlled shades in the living and dining areas add both convenience and comfort. No work or expense needed. One of the most valuable features is the flexible lockout floor plan. This allows the unit to be enjoyed as a full 3-bedroom residence, or separated into a 2-bedroom and a 1-bedroom each with its own private entry, balcony, and views. This design gives you multiple options: enjoy the entire condo for personal use, rent it as a whole, or occupy one side while renting the other. For lifestyle-focused buyers, this flexibility is key; it allows ownership costs to be offset while still preserving privacy and personal enjoyment. The unit comfortably sleeps eight and has a strong rental history, with documented income and projected rental potential that can significantly reduce the cost to own. This makes it especially attractive to buyers who want a beach place now, without carrying the full burden of ownership long-term, and who like the idea of renters helping pay down the property over time. Location is another major driver of value. Surfside Resort sits just steps from the beach with private, deeded beach access via a unique skywalk to the Gulf of Mexico. Owners and guests are also close to shopping, dining, golf, and everyday conveniences features that matter not only for personal enjoyment but also for consistent rental demand year after year. Surfside is a true resort-style community, offering an on-site restaurant with room service, beachfront and poolside bars, heated pool, kiddie pool, hot tubs, fitness center, spa and salon, tennis, pickleball and basketball courts, shuffleboard, and the onsite restaurant has weekly beach bonfires that are a favorite with guests of all ages. Covered parking, heated and cooled interior corridors, on-site management, maintenance, and security add ease and peace of mind for owners who are not always local. Equally important in today's condo market, Surfside is a well-managed, storm-rated building with no special assessments, and the 2024 Structural Integrity Reserve Study identified no structural integrity concerns, confirming the building is structurally sound. This provides buyers with confidence in both the physical condition of the property and the long-term stability of the association. For buyers seeking more than just a place to stay, those looking for a beach home that is spacious, updated, walkable, flexible, and financially sensible this residence delivers. It's a property designed to be enjoyed now, supported by rental income along the way, and positioned for long-term ownership with confidence.

Highlights

Listed by At The Beach Team , 850-654-3325 and Colton M Fiessinger , 270-210-1437 Keller Williams Realty Destin , 850-654-2900. Emerald Coast Multiple Listing Services

Property Type

Condo/Townhome

HOA Fee

Year Built

1986

County

Walton

Area

15 - Miramar/Sandestin Resort

Neighborhood

Destin Surfside Condo

Listing ID

991718

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:3
Appliances:Dishwasher, Dryer, Microwave, Refrigerator W/IceMk, Smoke Detector, Stove/Oven Electric, Washer
Air Cond:Central Air
Fireplaces:
Floor:Floor Tile
Other:
  • Additional:Breakfast Bar, Ceiling Crwn Molding, Lighting Recessed, Lock Out, Owner's Closet, Pantry, Washer/Dryer Hookup

Exterior Features

Others:
  • Additional:Balcony, Tennis Court
Sewer:Public Sewer
Parking Features:Covered,Garage Detached
Principal Interest
$3,931
Taxes
$492
HOA
$0

Home Price

$775,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$155,000
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$3,930.65

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,930.65 $491.76 $0.00 $4,422.41
Yearly $47,167.85 $5,901.06 $0.00 $53,068.91
Total $1,415,035.36 $177,031.80 $0.00 $1,592,067.16

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

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Market insight data is pulled from the same city as the listing being viewed (Miramar Beach, FL).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by Emerald Coast Multiple Listing Services, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-08-20T07:16:22.000Z

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