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Harrison Lilly

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

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440 Sandy Cay Dr , Miramar Beach, FL 32550
$895,000
Est. Payment: $4,538.80/mo
3 Bed
2 Bath
1548 Sqft
Status: active | Days on site: 29
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Welcome to 440 Sandy Cay Drive, located in the private, gated community of Paradise Retreat in Miramar Beach. Residents enjoy one of the neighborhood's most sought-after amenities--320 feet of private deeded beach access, just a short walk from the home. This updated Coastal white brick home is ideally situated on the south end of the neighborhood (closest to the beach),and offers an open-concept floor plan with vaulted ceilings in the living/dining areas, abundant natural light, fresh interior paint, and luxury vinyl plank flooring throughout the house. It also offers added peace of mind with a pre-listing home inspection already completed and a new roof installed in 2023. With recent improvements and being offered fully furnished make this home move-in ready. For those seeking investment property, Paradise Retreat has a well-established vacation rental market. Several similarly sized homes within the community have achieved approximately $100,000 in annual gross rental income. Buyers should independently verify rental history, projections, and any applicable restrictions.

Highlights

Listed by Debra A Fraser , 850-376-4799 RE/MAX by the Sea , 850-424-3674. 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

1006957

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Dishwasher, Disposal, Dryer, Microwave, Oven Self Cleaning, Range Hood, Refrigerator W/IceMk, Smoke Detector, Stove/Oven Electric, Washer, Water Heater - Elect
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Vinyl
Other:
  • Additional:Breakfast Bar, Ceiling Vaulted, Newly Painted, Pantry, Split Bedroom

Exterior Features

Lot:Covenants,Interior,Restrictions,Sidewalk,Storm Sewer,Within 1/2 Mile to Water
Lot Dimensions:60X110
Zoning:Resid Single Family
Others:
  • Additional:Rain Gutter, Lawn Pump, Sprinkler System, Patio Open
Sewer:Public Sewer
Principal Interest
$4,539
Taxes
$424
HOA
$0

Home Price

$895,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$179,000
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:
$4,538.80

Principal

Taxes

Principal Taxes HOA Total
Monthly $4,538.80 $424.01 $0.00 $4,962.81
Yearly $54,465.60 $5,088.07 $0.00 $59,553.67
Total $1,633,967.88 $152,642.10 $0.00 $1,786,609.98

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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