$870,000

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… Read More 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. Read Less

Courtesy of Kyle V Hock, RealJoy Realty LLC.

Listing Snapshot

Days Online

Last Updated

Sep 18, 2026

Property Type

Detached Single Family

Beds

Full Baths

Lot Size

0.03 Acres

Year Built

2005

MLS Number

1012008

Additional Details

Property Access

Frontage Type: County Road, Easement, Private Road, Road Surface: Paved

Appliances & Equipment

Cooktop, Dishwasher, Disposal, Dryer, Microwave, Oven Self Cleaning, Refrigerator, Smoke Detector, Stove/Oven Electric, Washer, Water Heater - Elect

Building

Built in 2005, Construction Materials: Concrete, Block, Frame, Siding CmntFbrHrdBrd, Trim Wood

Community

Short Term Rental - Allowed, BBQ Pit/Grill, Beach, Community Room, Gated Community, Pavillion/Gazebo, Picnic Area, Pool, TV Cable, Whirlpool

Cooling

Ceiling Fans, Central Air

Doors

Storm Door(s)

Energy Saving

Energy Efficiency: Doors

Exterior Features

Patio/Porch Features: Deck Covered, Deck Open, Patio Covered, Patio Open, Porch, Balcony, BBQ Pit/Grill, Pool - House, Shower

Floors

Floor Hardwood, Floor Tile, Floor WW Carpet New

Heating

Central

Home Owner's Association

Fee Includes: Accounting, Ground Keeping, Licenses/Permits, Management, Recreational Faclty, Trash

Interior Features

Ceiling Crwn Molding, Lighting Recessed, Owner's Closet, Pantry, Woodwork Painted

Lot

0.03 acres, Dimensions: 25x45, Cul-De-Sac, Within 1/2 Mile to Water

Parking

2 total parking spaces

Pool

Pool - Heated, Pool - In-Ground, Pool Type

Property

Construction Complete, Gulf

Sewer

Public Sewer

Taxes

Parcel Number: 30-2S-21-42796-000-0190, Annual Amount: $6,410.1, Assessed Value: $422, Legal Description: LOT 19 COTTAGE RETREAT PB 16-22 OR 2668-696 OR 3188-2796, Year: 2025, Zoning: Resid Single Family

Utilities

Electric, Phone, Public Water, TV Cable

Windows

Window Bay, Double Pane Windows, Storm Windows

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