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Harrison Lilly

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

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276 Sandy Cay Dr , Miramar Beach, FL 32550
$899,000
Est. Payment: $4,559.56/mo
3 Bed
2 Bath
1580 Sqft
Status: pending | Days on site: 202
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

1 of only 5 homes in Destin & Miramar Beach with a pool under $1M. Over $100k in short term rentals for same size homes in the neighborhood! Golf Carts Allowed! Deeded beach access and 320' of private beach area make this coastal retreat a rare find! Located in the private gated Paradise Retreat neighborhood just down the street from the white sandy beaches, this fully furnished, turn-key ready home also boasts a brand-new pool and deck installed in 2024, surrounded by beautiful pavers that extend around the entire home. The backyard features a spacious pavilion equipped with electricity - perfect for outdoor entertaining, lighting, or even setting up an outdoor kitchen and TV area. Whether you're seeking a primary residence or a short-term rental (sleeps 8), this property offers the best of both worlds. Inside, the inviting open-concept layout features vaulted ceilings, stylish wood-look tile flooring, and a kitchen designed for hosting with an entire wall of cabinetry, stainless steel appliances, and a large center island that is perfect for entertaining. The home includes three bedrooms and two bathrooms: a master suite with a king bed and double vanity ensuite, a second guest bedroom also with a king bed, and a third guest bedroom equipped with double bunk beds-perfect for kids or extra guests. The guest bathroom features a tub/shower combo and a new vanity. Additional highlights include a separate laundry room, two-car garage with built-in cabinets and an entertainment center with a mini fridge and wine rack. This move-in-ready gem combines laid-back beach living with all the features you need for comfort, entertaining, and investment potential. It is located right off Scenic Highway 98 which provides the ultimate golf cart lifestyle. Cruise along this beautiful scenic route to popular local favorites like Camille's, Crab Trap, Captain Dave's, and Pompano Joe's, or grab your coffee and head to the sand for sunrise.

Highlights

Listed by Sherrie D Salas , 325-513-9897 Keller Williams Realty Destin , 850-654-2900. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.15

HOA Fee

Year Built

2004

County

Walton

Area

15 - Miramar/Sandestin Resort

Neighborhood

Paradise Retreat

Listing ID

993476

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Auto Garage Door Opn, Dishwasher, Disposal, Microwave, Oven Self Cleaning, Refrigerator W/IceMk, Security System, Stove/Oven Electric, Washer, Water Heater - Elect
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Tile
Other:
  • Additional:Ceiling Crwn Molding, Ceiling Vaulted, Kitchen Island, Owner's Closet, Pantry, Washer/Dryer Hookup

Exterior Features

Lot:Covenants,Curb & Gutter,Sidewalk,Within 1/2 Mile to Water
Lot Dimensions:60x120
Zoning:Resid Single Family
Others:
  • Additional:Fenced Back Yard, Lawn Pump, Pavillion/Gazebo, Pool - Vinyl Liner, Sprinkler System, Patio Open, Fenced Privacy
Sewer:Public Sewer
Principal Interest
$4,560
Taxes
$448
HOA
$0

Home Price

$899,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$179,800
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:
$4,559.56

Principal

Taxes

Principal Taxes HOA Total
Monthly $4,559.56 $447.77 $0.00 $5,007.33
Yearly $54,714.70 $5,373.26 $0.00 $60,087.96
Total $1,641,441.02 $161,197.80 $0.00 $1,802,638.82

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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