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Harrison Lilly

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

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9815 W Us Highway 98 Unit 137 , Miramar Beach, FL 32550
$470,000
Est. Payment: $2,383.50/mo
3 Bed
3 Bath
1479 Sqft
Status: active | Days on site: 402
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Located in a gated community with private deeded beach access, this beach cottage is full of character, charm, and quality craftsmanship throughout. Step into an open-concept living space that's both functional and inviting. The living room is anchored by timeless built-in cabinetry and classic millwork, creating a warm and welcoming atmosphere. Enjoy the benefit of expanded square footage—the former balcony has been enclosed and reimagined as a bright, airy dining area, effectively doubling your usable living space and offering the perfect spot to relax or entertain year-round. The bathrooms have been elegantly remodeled, with tasteful updates that complement the home's coastal character. Additional custom touches include a built-in laundry closet crafted from rich Philippine mahogany, showcasing the attention to detail throughout. This thoughtfully designed cottage blends style, comfort, and coastal living all within an amenity-rich, secure beachside community. Hidden Dunes is truly a hidden gem more peaceful and less crowded than many neighboring communities. This gated beachfront retreat offers a wide array of resort-style amenities, including a professionally staffed tennis center with six Rubico Clay Courts,3 new Pickleball Courts, seasonal beach tram service, a lighted basketball court, three swimming pools, BBQ grilling areas, and reflecting pools with flowing fountains. Enjoy scenic walking trails, lush landscaping, and the peace of mind that comes with 24-hour security.

Highlights

Listed by Katie M Atwater , 850-502-9120 and Michael R Henderson , 850-259-7805 The Premier Property Group , 850-337-1555. 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

Listing ID

979833

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:3
Appliances:Dishwasher, Disposal, Dryer, Microwave, Oven Self Cleaning, Range Hood, Refrigerator W/IceMk, Stove/Oven Electric, Washer, Water Heater - Elect
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Tile,Floor WW Carpet
Other:
  • Additional:Breakfast Bar, Ceiling Vaulted, Newly Painted, Washer/Dryer Hookup

Exterior Features

Others:
  • Additional:Porch, Porch Screened
Sewer:Public Sewer
Principal Interest
$2,384
Taxes
$300
HOA
$0

Home Price

$470,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$94,000
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:
$2,383.50

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,383.50 $299.63 $0.00 $2,683.13
Yearly $28,602.04 $3,595.50 $0.00 $32,197.54
Total $858,061.35 $107,865.00 $0.00 $965,926.35

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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