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Harrison Lilly

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

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55 Secret Harbor Dr , Miramar Beach, FL 32550
$859,000
Est. Payment: $4,356.69/mo
4 Bed
2 Bath
1919 Sqft
Status: active | Days on site: 189
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

This well-appointed four-bedroom, two-bath home offers 1,919 square feet of comfortable coastal living in the desirable Paradise Retreat neighborhood of Miramar Beach, complete with 320 feet of private deeded beach access. Also golf cart friendly neighborhood. Whether used as a primary residence, second home, or income-producing property, the layout and location provide exceptional versatility. Inside, the open living spaces feature travertine flooring, upgraded recessed lighting, and stainless steel appliances, creating a bright and functional environment for everyday living and entertaining. The home flows seamlessly to a private outdoor area where a six-person hot tub is nestled within a naturally landscaped setting, offering a relaxing retreat after a day at the beach. Recent improvements include a new roof in 2024, fresh exterior paint and landscaping, and previously updated HVAC and gas water heater, adding long-term value and peace of mind. The property has a proven vacation rental history while still maintaining the feel of a comfortable coastal home. Offered furnished with flexible options for partial or unfurnished arrangements, this Miramar Beach property presents an excellent opportunity to enjoy beachside living with strong long-term appeal in a well-established neighborhood.

Highlights

Listed by Sheila F Coffee , 850-797-5998 and Brenda R Coffee , 850-797-8838 Berkshire Hathaway HomeServices , 850-534-3006. 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

993777

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Auto Garage Door Opn, Cooktop, Dishwasher, Disposal, Dryer, Microwave, Oven Continue Clean, Refrigerator W/IceMk, Smoke Detector, Smooth Stovetop Rnge, Stove/Oven Electric, Washer, Water Heater - Gas
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Tile,Floor Vinyl
Other:
  • Additional:Breakfast Bar, Ceiling Cathedral, Ceiling Vaulted, Lighting Recessed, Owner's Closet, Washer/Dryer Hookup

Exterior Features

Lot Dimensions:110x50
Zoning:Resid Single Family
Others:
  • Additional:Hot Tub, Sprinkler System, Patio Open
Sewer:Public Sewer
Parking Features:Garage
Principal Interest
$4,357
Taxes
$493
HOA
$0

Home Price

$859,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$171,800
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:
$4,356.69

Principal

Taxes

Principal Taxes HOA Total
Monthly $4,356.69 $493.49 $0.00 $4,850.18
Yearly $52,280.23 $5,921.90 $0.00 $58,202.13
Total $1,568,406.93 $177,657.00 $0.00 $1,746,063.93

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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