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Harrison Lilly Team

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

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28 Spyglass Dr , Miramar Beach, FL 32550
$3,495,000
Est. Payment: $19,309.37/mo
6 Bed
5 Bath
4820 Sqft
0.17 Acres
Status: Active | Days on site: 19
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EP37 - E29000
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Harrison Lilly Team
Owner/Operator

House Description

COASTAL LUXURY BETWEEN DESTIN HARBOR & 30A, GULF VIEWS, NO HOA & NO FLOOD ZONE! Experience the ultimate Emerald Coast lifestyle in this exceptional 4,820-SF remodeled beach estate, ideally positioned in a quiet neighborhood less than a quarter mile from the Gulf and perfectly situated between the vibrant energy of Destin Harbor and the iconic 30A corridor. One of the property's most distinctive advantages is its elevation. Sitting at the highest elevation in the neighborhood and located in a NO FLOOD ZONE, this remarkable property offers added peace of mind rarely found this close to the Gulf with NO HOA, you have the freedom and flexibility to enjoy the property on your terms. The three-story residence showcases impressive scale, sophistication, and relaxed coastal elegance, offering 6 bedrooms and 5 beautifully appointed bathrooms with generous living spaces and high-end finishes throughout. On the third floor, the luxurious primary suite captures beautiful Gulf views, creating an exceptional private retreat where you can wake up to the shimmering waters of the Emerald Coast and unwind with breathtaking coastal vistas. Outside, you're just minutes from the area's legendary sugar-white beaches and emerald-green waters. Spend your days enjoying the Gulf, boating and fishing from Destin Harbor, playing golf, exploring 30A, or taking advantage of the area's renowned dining, shopping, and entertainment. Rental PJ's up to $250K Whether you're seeking a luxury primary residence, second home, private beach retreat, or income-producing investment, this property offers an extraordinary combination of size, elevation, Gulf views, location, and flexibility. High elevation. Gulf views. No flood zone. No HOA. Less than a quarter mile to the beach. This is more than a coastal home--it's an exceptional Emerald Coast lifestyle and an investment in one of Florida's most coveted destinations.

Highlights

Listed by Rhonda C Johnson , 813-512-9868 Century 21 AllPoints Realty , 850-230-4514. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.17

Year Built

2007

County

Walton

Area

15 - Miramar/Sandestin Resort

Neighborhood

Lot 3 Spyglass Villas S/D Together With A 25% Ownership Of Spyglass Dr & Retention Area As Shown On

Listing ID

1012238

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:6
  • ▪ Bathrooms:5
  • ▪ Full Bathrooms:5
Appliances:Dishwasher, Disposal, Dryer, Microwave, Range Hood, Refrigerator, Smoke Detector, Stove/Oven Gas, Washer, Wine Refrigerator
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Other:
  • ▪ Additional:Breakfast Bar, Ceiling Vaulted, Elevator, Fireplace, Guest Quarters, Newly Painted, Owner's Closet, Washer/Dryer Hookup, Wet Bar

Exterior Features

Lot:Cul-De-Sac,Within 1/2 Mile to Water
Lot Dimensions:50x200
Zoning:Resid Single Family
Others:
  • ▪ Additional:Fenced Back Yard, Hot Tub, Shower
Sewer:Public Sewer
Parking Features:Oversized
Principal Interest
$19,309
Taxes
$936

Home Price

$3,495,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$699,000
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:
$19,309.37

Principal

Taxes

Principal Taxes HOA Total
Monthly $19,309.37 $935.58 $0.00 $20,244.95
Yearly $231,712.46 $11,226.91 $0.00 $242,939.37
Total $6,951,373.77 $336,807.30 $0.00 $7,288,181.07

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: 2026-10-07T06:31:40.000Z

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