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Harrison Lilly

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

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162 Cape Dunes Dr , Port St Joe, FL 32456
$640,000
Est. Payment: $3,245.96/mo
3 Bed
3 Bath
2008 Sqft
Status: active | Days on site: 50
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Welcome to 162 Cape Dunes Drive, a completely turnkey Gulf-view retreat offering the perfect blend of Old Florida charm, coastal comfort, and relaxed beachside living on Florida's highly sought-after Forgotten Coast. This beautifully maintained 3-bedroom, 3-bath home is just steps from the sugar-white sands of Cape San Blas and has been a successful, meticulously managed vacation rental for over a decade. Gross rental income has averaged approximately $50,000 annually, with peak years exceeding $70,000. Approximately 35% of bookings come from loyal repeat guests, many booking directly year after year, creating a valuable and transferable income stream for the next owner. Early 2026 bookings are already trending upward, reflecting the continued growth and demand in the Cape San Blas market. With its strong and established rental history, the home offers the unique ability to help offset ownership expenses while still serving as a wonderful personal beach getaway for family and friends. Inside, the home features warm coastal décor and an inviting open-concept layout designed for gathering and entertaining. Comfortably sleeping up to 8 guests, the spacious living, dining, and kitchen areas flow seamlessly together, making the property equally ideal as a personal beach retreat, family vacation home, or income-producing property. Outdoor living is where this home truly shines. In addition to the screened porch and covered gathering space below, the property features a large upper deck addition designed to maximize Gulf views and coastal breezes, creating the perfect setting for morning coffee, sunset dinners, or relaxing after a day on the beach. Covered parking and storage below provide ample room for kayaks, bikes, and beach gear. Cape Dunes offers low HOA fees and an outstanding location near deeded beach access, the Loggerhead bike trail, Salinas Park, pickleball courts, and the breathtaking St. Joseph Peninsula State Park. Nearby Port St. Joe offers coastal dining, shopping, live music, and marina access while maintaining the relaxed, uncrowded atmosphere that continues drawing visitors back year after year. Whether you are searching for a peaceful personal getaway, a legacy family beach home, or a property with proven rental success, 162 Cape Dunes Drive offers a rare opportunity to own a piece of one of Florida's most beloved coastal communities.

Highlights

Listed by Denise E Vickers , 256-682-1010 Keller Williams Success Realty , 850-249-0313. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.09

HOA Fee

Year Built

1984

County

Gulf

Area

07 - Gulf County

Neighborhood

No Named Subdivision

Listing ID

789504

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:3
Appliances:Electric Range, Electric Water Heater, Ice Maker
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Balcony, Sitting Area in Primary, Shower Only, Entrance Foyer

Exterior Features

Lot Dimensions:30x130
Zoning:Resid Single Family
Roof:Metal
Others:
  • Additional:Deck, Porch
Parking Features:No Garage
Principal Interest
$3,246
Taxes
$410
HOA
$0

Home Price

$640,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$128,000
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:
$3,245.96

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,245.96 $409.50 $0.00 $3,655.46
Yearly $38,951.51 $4,914.00 $0.00 $43,865.51
Total $1,168,545.33 $147,420.00 $0.00 $1,315,965.33

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 (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: 2026-08-20T06:33:19.000Z

© 2026 Bay County Association of REALTORS