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Harrison Lilly

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

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423 Sandy Cay Dr , Miramar Beach, FL 32550
$950,000
Est. Payment: $4,818.22/mo
4 Bed
2 Bath
1925 Sqft
Status: active | Days on site: 32
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Welcome to this beautifully upgraded coastal retreat in the highly desirable Sandy Cay community of Miramar Beach. Offering private beach access and an exceptional collection of premium upgrades, this home seamlessly combines luxury, comfort, and outdoor living. The thoughtfully renovated interior features an upgraded kitchen with an inviting breakfast bar, perfect for entertaining, along with a spacious primary suite complete with a large walk-in closet and an oversized walk-in shower. The guest bathroom has also been tastefully updated, while plantation shutters throughout the home add timeless elegance and privacy. Designed for both relaxation and entertaining, the backyard is a true oasis. Enjoy Peacock pavers, premium K9 artificial grass, a fire pit, and a relaxing jacuzzi. The fully equipped outdoor kitchen includes a Big Green Egg, built-in BBQ grill, sink, refrigerator, ample storage, and an outdoor television, creating the ideal setting for year-round gatherings. This home has been meticulously maintained and enhanced with numerous high-value improvements, including: Private beach access Storm window covers Electric vehicle charger in the garage Professionally coated garage floor Tankless water heater Brand-new HVAC system Plantation shutters throughout Updated guest bathroom Spacious walk-in closet in the primary suite Large walk-in shower in the primary bathroom Landscape lighting in both the front and back yards Termite prevention system Wired ADT security system and Ring doorbell/camera system Expanded paver driveway Premium K9 artificial turf in the backyard Whether you're searching for a primary residence, a second home, or an investment property near the Emerald Coast, this exceptional home offers luxury finishes, outstanding functionality, and an unbeatable location just moments from the sugar-white sand beaches of Miramar Beach.

Highlights

Listed by Christopher J Bent , 850-461-4928 Realty ONE Group Emerald Coast , 850-842-3211. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.13

HOA Fee

Year Built

2004

County

Walton

Area

15 - Miramar/Sandestin Resort

Neighborhood

Paradise Retreat

Listing ID

1006847

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Auto Garage Door Opn, Dishwasher, Disposal, Microwave, Oven Double, Refrigerator, Refrigerator W/IceMk, Smoke Detector, Stove/Oven Gas, Water Heater - Gas, Water Heater - Tnkls
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Tile
Other:
  • Additional:Breakfast Bar, Ceiling Raised, Pantry, Pull Down Stairs, Split Bedroom

Exterior Features

Lot:Covenants,Restrictions,Within 1/2 Mile to Water
Lot Dimensions:47 x 110
Zoning:Resid Single Family
Others:
  • Additional:Rain Gutter, BBQ Pit/Grill, Fenced Back Yard, Hot Tub, Hurricane Shutters, Lawn Pump, Sprinkler System, Summer Kitchen, Patio Covered, Fenced Lot-All
Sewer:Public Sewer
Principal Interest
$4,818
Taxes
$464
HOA
$0

Home Price

$950,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$190,000
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:
$4,818.22

Principal

Taxes

Principal Taxes HOA Total
Monthly $4,818.22 $463.95 $0.00 $5,282.17
Yearly $57,818.65 $5,567.43 $0.00 $63,386.08
Total $1,734,559.47 $167,022.90 $0.00 $1,901,582.37

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: 2026-08-20T06:32:47.000Z

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