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Harrison Lilly Team

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

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9815 W Us Highway 98 Unit 194 , Miramar Beach, FL 32550
$499,000
Est. Payment: $2,756.90/mo
2 Bed
2 Bath
1206 Sqft
Status: Active | Days on site: 2
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EDR4 - E21776
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Harrison Lilly Team
Owner/Operator

House Description

Shaded by mature oaks and surrounded by winding paths, lush landscaping and tranquil water features, this completely renovated ground-floor cottage at Hidden Dunes Beach & Tennis Resort offers a quieter side of coastal living just a short stroll from the sugar-white sands of the gulf. With two bedrooms, two baths and no stairs or elevators to navigate, the residence pairs the relaxed character of a beach cottage with extensive resort amenities and turnkey appeal for a second home or vacation rental investment. Fresh and thoughtfully updated throughout, the interior features wood-look plank flooring, a soft coastal palette and updated lighting and fixtures. The open living and dining area extends naturally to the screened porch, creating an inviting connection between the interior and the cottage's peaceful, park-like surroundings. The renovated kitchen is bright and functional with crisp white cabinetry, quartz countertops, stainless steel appliances and a breakfast bar overlooking the main living area. The spacious primary suite features a detailed accent wall and custom lighting, while its beautifully updated private bath includes a tiled walk-in shower. The guest bedroom and second renovated bath offer comfortable accommodations for family and guests, with thoughtful updates carried throughout the residence. Just beyond the living area, the screened porch provides a front-row view of the natural setting that distinguishes the beach cottages. Recently refreshed landscaping, seasonal flowers and renovated water features create a serene backdrop, while walking paths meander beneath the tree canopy and throughout the gated resort grounds. Deeded private beach access is one of the property's most compelling advantages. A dedicated beach walkover provides convenient access to the gulf's emerald waters and sugar-white sand, with seasonal beach service adding another layer of ease for owners and guests. Resort amenities extend well beyond the shoreline with three community pools, three hot tubs, a year-round heated villa pool and an award-winning Tennis & Pickleball Center featuring six professionally maintained Rubico clay tennis courts and three hard-surface pickleball courts. Additional recreation includes a lighted basketball court, playground, cornhole, horseshoe pits, natural gas grills and seasonal complimentary tram service. Convenient to shopping, dining, golf and entertainment throughout Sandestin Golf and Beach Resort, Destin and Scenic Highway 30A, this lovingly renovated cottage combines ground-floor convenience, direct beach access and an exceptional range of amenities with the privacy and charm of its established natural setting. Offered turnkey with strong rental potential, it is equally suited for a coastal second home, personal getaway or vacation rental investment.

Highlights

Listed by Penny Jackson , 850-797-4897 Scenic Sotheby's International Realty , 850-231-6052. Emerald Coast Multiple Listing Services

Property Type

Condo/Townhome

HOA Fee

Year Built

1988

County

Walton

Area

15 - Miramar/Sandestin Resort

Neighborhood

Hidden Dunes Beach Cottages 2

Listing ID

1010942

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:2
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Dishwasher, Dryer, Microwave, Refrigerator W/IceMk, Smoke Detector, Stove/Oven Electric, Washer, Water Heater - Elect
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Other:
  • ▪ Additional:Breakfast Bar, Lighting Recessed, Newly Painted, Owner's Closet, Washer/Dryer Hookup

Exterior Features

Others:
  • ▪ Additional:Porch, Porch Screened
Sewer:Public Sewer
Principal Interest
$2,757
Taxes
$256
HOA
$0

Home Price

$499,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$99,800
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Monthly Price:
$2,756.90

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,756.90 $255.71 $0.00 $3,012.61
Yearly $33,082.84 $3,068.49 $0.00 $36,151.33
Total $992,485.12 $92,054.70 $0.00 $1,084,539.82

Today's Rates

30 Year

7.37%

20 Year

7.27%

15 Year

6.8%

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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: 2026-10-07T11:00:03.000Z

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