Deeded/Gated Beach Access in a GATED BEACH COMMUNITY! Welcome to your own slice of paradise in the heart of Miramar Beach! Tucked inside the highly desirable gated community of Cottage Retreat, this beautifully appointed 3-bedroom, 3-bath beach home offers the perfect combination of coastal charm, privacy, and resort-style amenities--all just 525 feet from private beach access and the sugar-white sands and emerald waters of the Gulf!
Step inside and you're immediately welcomed by a bright, open floor plan filled with natural light. At the heart of the home is a gorgeous coastal-inspired kitchen showcasing storybook white cabinetry, seemingly endless granite countertops, stainless steel appliances, a custom tile backsplash, breakfast bar, and plenty of space for gathering and entertaining. The kitchen flows effortlessly into the spacious dining and living areas, creating an inviting setting for family, friends, and unforgettable beach getaways.
The thoughtfully designed floor plan features a first-floor guest suite with a king bed and private ensuite bath--perfect for guests who appreciate avoiding the stairs. Upstairs, the spacious primary suite feels like a private retreat of its own, complete with balcony access and an ensuite bath featuring a jetted soaking tub and separate shower. An additional upstairs guest suite offers a queen bed plus a twin-over-full bunk and its own private ensuite bath. Outside your front door, the Florida lifestyle truly begins. Cottage Retreat is a private gated beach community offering gated beach access just across Scenic Highway 98, along with a seasonally heated community pool, hot tub, fitness center, and grilling area. Spend the morning on the beach, cool off by the pool in the afternoon, and walk to nearby beachfront dining for dinner--all without having to venture far from home.
And the location is hard to beat! Cottage Retreat places you in the heart of Miramar Beach, centrally located between Destin Commons and Silver Sands Premium Outlets and just a short distance from some of the area's favorite restaurants, shopping, golf, entertainment, and attractions. Captain Dave's on the Gulf is within walking distance, and the nearby Dolphin Reef offers another unique way to enjoy the beautiful waters of the Emerald Coast.
Whether you're searching for a primary residence, second home, or an investment property near the beach, this home delivers the location, layout, amenities, and coastal lifestyle buyers come to Miramar Beach looking for.
Gated community. Private beach access. Resort-style amenities. Three bedrooms with three private baths. A gorgeous kitchen. And the Gulf just steps away.
This is more than a beach house--it's your opportunity to own a piece of the Miramar Beach lifestyle.
For sale
$870,000
27 Cottage Row, Miramar Beach, FL 32550
3beds
1,784sqft
Single Family Residence
Built in 2005
1,306 Square Feet Lot
$-- Zestimate®
$488/sqft
$-- HOA
What's special
Gated communityHot tubBreakfast barStorybook white cabinetrySeemingly endless granite countertopsGorgeous coastal-inspired kitchenSeasonally heated community pool
- 18 days
- 814
- 59
Likely to sell faster than
Zillow last checked:
Listing updated:
Listed by:
Kyle V Hock 850-225-6893,
RealJoy Realty LLC
Source: ECAOR,MLS#: 1012008
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 3
Primary bedroom
- Level: Second
- Area: 252 Square Feet
- Dimensions: 18 x 14
Bedroom
- Level: First
- Area: 192 Square Feet
- Dimensions: 16 x 12
Bedroom
- Level: Second
- Area: 216 Square Feet
- Dimensions: 18 x 12
Dining room
- Level: First
- Area: 72 Square Feet
- Dimensions: 9 x 8
Kitchen
- Level: First
- Area: 88 Square Feet
- Dimensions: 11 x 8
Living room
- Level: First
- Area: 234 Square Feet
- Dimensions: 18 x 13
Heating
- Central
Cooling
- Central Air, Ceiling Fan(s)
Appliances
- Included: Cooktop, Dishwasher, Disposal, Dryer, Microwave, Refrigerator, Washer, Electric Water Heater
Features
- Crown Molding, Recessed Lighting, Owner's Closet, Pantry, Woodwork Painted
- Flooring: Hardwood, Tile, Carpet
- Doors: Storm Door(s)
- Windows: Double Pane Windows, Storm Window(s), Bay Window(s)
- Common walls with other units/homes: No Common Walls
Interior area
- Total structure area: 1,784
- Total interior livable area: 1,784 sqft
Property
Parking
- Total spaces: 2
Features
- Stories: 2
- Patio & porch: Covered, Deck, Patio, Porch
- Exterior features: Outdoor Grill, Balcony, Outdoor Shower
- Has private pool: Yes
- Pool features: Heated, In Ground
- Has view: Yes
- View description: Gulf
- Has water view: Yes
- Water view: Gulf
Lot
- Size: 1,306 Square Feet
- Dimensions: 25 x 45
- Features: Cul-De-Sac, Within 1/2 Mile to Water
Details
- Additional structures: Pool House
- Parcel number: 302S21427960000190
- Zoning description: Resid Single Family
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Beach House
- Property subtype: Single Family Residence
Materials
- Block, Concrete, Frame, Trim Wood, Siding CmntFbrHrdBrd
- Roof: Metal
Condition
- Construction Complete
- New construction: No
- Year built: 2005
Utilities & green energy
- Water: Public
Green energy
- Energy efficient items: Doors
Community & HOA
Community
- Features: BBQ Pit/Grill, Beach, Community Room, Gated, Pavillion/Gazebo, Picnic Area, Pool, TV Cable, Whirlpool, Short Term Rental - Allowed
- Security: Smoke Detector(s)
- Subdivision: COTTAGE RETREAT
HOA
- Has HOA: Yes
- Services included: Maintenance Grounds, Licenses/Permits, Management, Recreational Faclty, Trash
Location
- Region: Miramar Beach
Financial & listing details
- Price per square foot: $488/sqft
- Tax assessed value: $709,420
- Annual tax amount: $6,410
- Date on market: 9/15/2026
- Road surface type: Paved
Estimated market value
Not available
Estimated sales range
Not available
Not available
Price history
| Date | Event | Price |
|---|---|---|
| 9/15/2026 | Listed for sale | $870,000+27%$488/sqft |
Source: | ||
| 3/19/2021 | Sold | $685,000+5.4%$384/sqft |
Source: | ||
| 3/7/2021 | Pending sale | $650,000$364/sqft |
Source: | ||
| 3/4/2021 | Listed for sale | $650,000+20.4%$364/sqft |
Source: | ||
| 5/6/2005 | Sold | $540,000$303/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $6,410 +8% | $709,420 +9.2% |
| 2024 | $5,935 -0.5% | $649,785 -1% |
| 2023 | $5,962 +6.3% | $656,186 +8.4% |
| 2022 | $5,611 +28.2% | $605,449 +37.6% |
| 2021 | $4,376 +9.6% | $440,019 +10% |
| 2020 | $3,993 +2.1% | $400,017 +1.6% |
| 2019 | $3,909 | $393,654 +2.1% |
| 2018 | $3,909 +1.7% | $385,404 +5.3% |
| 2017 | $3,843 +7.9% | $366,044 +14.2% |
| 2016 | $3,563 +11.1% | $320,502 +4.4% |
| 2015 | $3,207 +2.7% | $307,128 +1.5% |
| 2014 | $3,122 | $302,631 +6.2% |
| 2013 | -- | $285,096 -0.8% |
| 2012 | -- | $287,303 -1.2% |
| 2011 | -- | $290,926 -14.5% |
| 2010 | -- | $340,309 -11.3% |
| 2009 | -- | $383,536 -19.9% |
| 2008 | -- | $478,593 -3.7% |
| 2007 | -- | $497,093 +234.7% |
| 2005 | -- | $148,500 |
Find assessor info on the county website
Monthly payment
Est. payment
Payment breakdown
Explore the cost of this home by adjusting the details. Changes won't be saved.Climate risks
Neighborhood: 32550
Nearby schools
Schools provided by the listing agent
- Elementary: Van R Butler
- Middle: Emerald Coast
- High: South Walton
Source: ECAOR. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.





