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Harrison Lilly Team

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

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3050 W Highway 98 B28 , Port St Joe, FL 32456
$299,000
Est. Payment: $1,651.93/mo
2 Bed
3 Bath
1200 Sqft
0.03 Acres
Status: Active | Days on site: 372
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Harrison Lilly Team
Owner/Operator

House Description

DREAM BEACH COTTAGE!! Tucked inside the desirable Barefoot Cottages community is 3050 Hwy 98 #B28 where coastal charm meets everyday comfort. This 2BR/2.5BA retreat is perfectly positioned near the larger of two community pools, giving you convenient access for leisurely dips & sun-soaked lounging. Step inside from the inviting screened-in front porch—an ideal spot for morning coffee or evening cocktails—into a bright, open living area designed for both relaxation & entertaining. The spacious layout flows seamlessly into the dining area, complete with additional breakfast bar seating, and a kitchen highlighted by coastal tile countertops, stainless steel appliances, and ample storage. Upstairs, two well-appointed bedrooms each feature private ensuite bathrooms, offering peaceful retreats for restful nights and added convenience for guests. The master suite enjoys direct access to a screened porch where you can take in the salty breezes, while the second bedroom serves as a versatile bunk or guest room. A half bath on the main floor ensures comfort for visitors. The community itself offers gated entry, beautifully landscaped grounds, multiple pools, hot tub, clubhouse, BBQ areas, & fitness center. Just outside the gates, you'll find the vibrant lifestyle of Port St. Joe—quaint shops, local eateries, live music, and pet-friendly beaches less than a half-mile away. Outdoor enthusiasts will love the easy access to St. Joseph Bay for fishing, boating, kayaking, and paddleboarding, as well as nearby trails and parks. Whether you're looking for a permanent residence, vacation getaway, or investment rental, this cottage delivers the perfect blend of style, comfort & location. Call for your private tour & LIVE THE BEACH LIFE!

Highlights

Listed by Kaye Haddock , 850-299-0086 Beach Properties Real Estate , 850-227-2500. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.03

HOA Fee

750 Quarterly

Year Built

2007

County

Gulf

Area

07 - Gulf County

Neighborhood

Barefoot Cottages

Listing ID

779473

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:2
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:2
  • ▪ 1/2 Bathrooms:1
Appliances:Washer/Dryer Stacked, Electric Range, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Floor:Plank,Vinyl
Other:
  • ▪ Additional:Balcony, Shower Only, Upper Level Primary, Walk-In Closet(s)

Exterior Features

Lot:Paved
Lot Dimensions:23 x 41
Zoning:Resid Single Family
Roof:Metal
Others:
  • ▪ Additional:Porch
Sewer:Public Sewer
Parking Features:Parking Lot,RV Access/Parking
Principal Interest
$1,652
Taxes
$24
HOA
$750

Home Price

$299,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$59,800
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Monthly Price:
$1,651.93

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,651.93 $24.33 $750.00 $2,426.27
Yearly $19,823.18 $292.00 $9,000.00 $29,115.18
Total $594,695.50 $8,760.00 $270,000.00 $873,455.50

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 (Port St Joe, 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 Bay County Association of REALTORS, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-10-07T12:26:16.000Z

© 2026 Bay County Association of REALTORS