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Harrison Lilly

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

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9815 Us Highway 98 W Unit 204 , Miramar Beach, FL 32550
$530,000
Est. Payment: $2,687.78/mo
2 Bed
2 Bath
1094 Sqft
Status: active | Days on site: 157
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

GREAT INVESTMENT ***TURNKEY RENTAL OPPORTUNITY*** BEAUTIFULY RENNOVATED ***PRIVATE BEACH***GATED COMMUNITY **SOLD FULLY FURNISHED*** Hidden Dunes Cottage 204 is a completely turnkey, beautifully updated, ground-floor 2 bedroom, 2 bath beach cottage in Hidden Dunes Beach and Tennis Resort, located at 9815 US Highway 98 W, Miramar Beach, FL 32550. This is an excellent short-term rental / vacation rental opportunity in a gated, Gulf-front resort community— similar units have generated greater than $50K in gross annual rental revenue. Every surface and finish feels fresh and coastal, with an open, light-filled layout that flows from the living area to the kitchen and dining space. The primary suite features a spacious bath with a sleek, modern walk-in shower, and the living area opens to a screened porch with a convenient bar area and pass-through window from the kitchen. Two parking spaces included. A new metal roof was installed in 2025, adding value and peace of mind for years to come. Set within the lush, 27-acre gated resort community of Hidden Dunes, this cottage is a short walk or seasonal tram ride through landscaped grounds to a private, never-crowded beach. Resort amenities include 6 Rubico clay tennis courts with pro shop, pickleball courts, basketball court, playground, horseshoe pits, grilling areas, stocked fishing lake, 24-hour security, electric vehicle charging stations, seasonal beach service, and multiple pools, including the largest pool, just steps from this cottage. Pet friendly for owners. Hidden Dunes is ideally located minutes from Sandestin Golf and Beach Resort, Baytowne Wharf, Scenic 30A, and the shopping, dining, and entertainment of Destin and Miramar Beach. Whether you plan to keep it as an income-producing property, a second home, or a primary residence, this offers more than just a beautiful beach property.

Highlights

Listed by Deborah M Wooley , 205-253-5410 and James T Wooley , 205-937-7671 Wooley Luxury Properties LLC , 205-253-5410. Emerald Coast Multiple Listing Services

Property Type

Condo/Townhome

HOA Fee

Year Built

1985

County

Walton

Area

15 - Miramar/Sandestin Resort

Neighborhood

Hidden Dunes Beach Cottages 1

Listing ID

994178

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Dishwasher, Disposal, Dryer, Microwave, Refrigerator W/IceMk, Smoke Detector, Stove/Oven Electric, Washer, Water Heater - Elect
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Tile
Other:
  • Additional:Owner's Closet, Pantry, Washer/Dryer Hookup

Exterior Features

Others:
  • Additional:Deck Covered, Porch Screened
Sewer:Public Sewer
Principal Interest
$2,688
Taxes
$268
HOA
$0

Home Price

$530,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$106,000
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:
$2,687.78

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,687.78 $268.08 $0.00 $2,955.86
Yearly $32,253.37 $3,217.00 $0.00 $35,470.37
Total $967,601.09 $96,510.00 $0.00 $1,064,111.09

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

6%

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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: 2026-08-20T06:32:47.000Z

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