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Harrison Lilly

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

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9815 W U.S. Highway 98 Unit 177 , Miramar Beach, FL 32550
$550,000
Est. Payment: $2,789.50/mo
3 Bed
3 Bath
1479 Sqft
Status: active | Days on site: 119
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Hidden Dunes Beach Cottage 177 is a beautifully maintained 3BR/3BA coastal cottage inside the gated Hidden Dunes Beach & Tennis Resort at 9815 U.S. Highway 98 W, Miramar Beach, FL 32550. Offered fully furnished, this property is move-in ready and rental ready--an ideal second home, short-term vacation rental, or full-time residence in a resort-style setting. (As of May 1 there are $20,500 in future bookings for 2026 ). The light-filled living area features vaulted ceilings, and the split-bedroom floor plan offers excellent privacy with a large primary suite and ensuite bath on one side, and a private guest bedroom with its own bath on the other. Upstairs, a spacious Loft with a full bath provides additional sleeping and lounging space and helps the cottage comfortably sleep eight. Tile flooring runs throughout--no carpet to remove. The kitchen features granite countertops, stainless steel appliances, and white cabinetry, and it flows nicely into the main living space. One of the best features is the lovely screened-in porch, perfect for relaxing while overlooking Hidden Dunes' lush, tropical landscaping and the nearby fountain area. Hidden Dunes is a low-density, gated community that truly feels like a private oasis--lush natural landscaping with towering live oaks and pines, beautiful walking paths, and tranquil fountains throughout the resort. Owners and guests also enjoy a scenic fishing lake with a pier for catch-and-release fishing, adding to the peaceful, tucked-away feel that makes Hidden Dunes so special. When you're ready for the Gulf, you'll love the 510 linear feet of low-density private beach with private beach access and full beach service, plus a short stroll to the beach or an easy seasonal tram ride. Resort-style amenities include tennis courts, pickleball, two community pools and hot tubs, a basketball court, horseshoe pits, a playground, and walking trails. And when you're ready to venture out, you're just minutes from Sandestin, Silver Sands Premium Outlets, Grand Boulevard, dining, and entertainment. The owners do allow short-term rentals but very limited. They reserve most of the year for family and friends use . They have personally self-managed the property through VRBO. Buyer to verify all information. Call today to schedule your private showing

Highlights

Listed by Deborah M Wooley , 205-253-5410 Wooley Luxury Properties LLC , 205-253-5410. Emerald Coast Multiple Listing Services

Property Type

Condo/Townhome

HOA Fee

Year Built

1990

County

Walton

Area

15 - Miramar/Sandestin Resort

Neighborhood

Hidden Dunes Beach Cottages 2

Listing ID

996733

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:3
Appliances:Dishwasher, Disposal, Dryer, Microwave, Refrigerator W/IceMk, Smoke Detector, Stove/Oven Electric, Washer, Water Heater - Elect
Air Cond:Ceiling Fans,Central Air
Fireplaces:

Exterior Features

Others:
  • Additional:Porch Screened
Sewer:Public Sewer
Principal Interest
$2,789
Taxes
$314
HOA
$0

Home Price

$550,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$110,000
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:
$2,789.50

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,789.50 $313.58 $0.00 $3,103.08
Yearly $33,473.95 $3,763.00 $0.00 $37,236.95
Total $1,004,218.64 $112,890.00 $0.00 $1,117,108.64

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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