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Property Description
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.
Full Property Details
Full Property Details for 27 Cottage Row
General
- Price: $870,000
- Taxes: $6,410 (2025)
- Status: Active
- Type: Single Family
- Source: Emerald_Coast
- MLS ID: 1012008
- Updated: 9/15/2026
- Added to Site: 6 day(s) ago
Rental Information
- Complex Features: Short Term Rental - Allowed, BBQ Pit/Grill, Beach, Community Room, Gated Community, Pavillion/Gazebo, Picnic Area, Pool, TV Cable, Whirlpool
Interior
- Number of Rooms: 6
- Interior Features: Ceiling Crwn Molding, Lighting Recessed, Owner's Closet, Pantry, Woodwork Painted
- Appliances: Cooktop, Dishwasher, Disposal, Dryer, Microwave, Oven Self Cleaning, Refrigerator, Smoke Detector, Stove/Oven Electric, Washer, Water Heater - Elect
- Flooring: Floor Hardwood, Floor Tile, Floor WW Carpet New
Rooms
Bathrooms
- Total Bathrooms: 3
- Full Bathrooms: 3
Bedrooms
- Total Bedrooms: 3
Additional Information
- Pool: Yes
- Pool Description: Pool - Heated, Pool - In-Ground, Pool Type
Exterior
- Exterior Features: Balcony, BBQ Pit/Grill, Pool - House, Shower
- Porch/Patio/Deck: Deck Covered, Deck Open, Patio Covered, Patio Open, Po
Location
- Area: 15 - Miramar/Sandestin Resort
- County: Walton
- Subdivision: COTTAGE RETREAT
- Driving Directions: Just west of pompano joe's. The entrance is on the west side of Maravilla take Beach Retreat PL go through the gate take left at circle
School Information
- Elementary School: Van R Butler
- Middle School: Emerald Coast
- High School: South Walton
Community
- Association: Yes
- Assoc. Fees Include: Accounting, Ground Keeping, Licenses/Permits, Management, Recreational Faclty, Trash
Heating & Cooling
- Central air: Yes
- Air Conditioning: Yes
- Cooling Type: Ceiling Fans, Central Air
- Heating Type: Central
- Heating/Cooling: Central, Ceiling Fans, Central Air
Utilities
- Sewer: Public Sewer
- Utility Description: Electric, Phone, Public Water, TV Cable
Structural Information
- Architectural Style: Beach House
- Construction: Concrete, Block, Frame, Siding CmntFbrHrdBrd, Trim Wood
- Exterior Const.: Concrete, Block, Frame, Siding CmntFbrHrdBrd, Trim Wood
- Stories/Levels: 2
- Square Feet: 1,784
- Sq. Ft. Source: County PA Records
- Year Built: 2005
Lot Features
- Property View: Gulf
- Lot Size (Acres): 0.03
- Lot Size (Sq. Ft.): 1,306.8
- Lot Dimensions: 25 x 45
- Frontage: County Road, Easement, Private Road
- Street/Road Desc.: Paved
- Lot Features: Cul-De-Sac, Within 1/2 Mile to Water
- Zoning: Resid Single Family
Water Features
- Water View: Yes
Green Features
- Energy Efficient: Doors
Financial Considerations
- Assessment Amount: $422
- Tax Amount: $6,410.1
- Tax Year: 2025
Disclosures and Reports
- Legal Description: LOT 19 COTTAGE RETREAT PB 16-22 OR 2668-696 OR 3188-2796
- APN: 30-2S-21-42796-000-0190
- Property ID: 30-2S-21-42796-000-0190
Listed by RealJoy Realty LLC
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Schools
Schools serving 27 Cottage Row
School District:Walton County School District
| Name | Grades | Distance |
|---|---|---|
Van R. Butler Elementary School 6694 West County Highway 30A, Santa Rosa Beach, FL 32459 | K-5 | 8 mi |
Emerald Coast Middle School 4019 US Highway 98 East, Santa Rosa Beach, FL 32459 | 6-8 | 16.8 mi |
South Walton High School 645 Greenway Trail, Santa Rosa Beach, FL 32459 | 9-12 | 12.7 mi |
Disclaimer:
School attendance boundaries provided by ATTOM Data Solutions and are for reference only. Contact the school directly to verify enrollment eligibility.
Price & Sales History for 27 Cottage Row
Date
Details
Price
Change
Source
9/15/2026
Listed
$870,000
27.01%
MLS
3/19/2021
Sold
$685,000
—
Public Record
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.
Tax History
Tax History for 27 Cottage Row
Year
Property Taxes
Change
Tax Assessment
Change
2024
$5,935
—
$709,420
9%
2024
$5,935
—
$649,785
-1%
2023
$5,962
36%
$656,186
41%
2021
$4,376
-22%
$464,386
-23%
2022
$5,611
28%
$605,449
51%
2021
$4,376
12%
$400,017
2%
2019
$3,909
2%
$393,654
2%
2018
$3,843
8%
$385,404
5%
2017
$3,563
11%
$366,044
14%
2016
$3,207
3%
$320,502
4%
2015
$3,122
—
$307,128
1%
2014
$3,120
6%
$302,631
6%
2013
$2,957
—
$285,096
—
Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.
Estimate the Cost
Estimate the Cost for 27 Cottage Row
27 Cottage Row, Miramar Beach, FL 32550 (MLS# 1012008) is a Single Family property with 3 bedrooms and 3 full bathrooms. 27 Cottage Row is currently listed for $870,000 and was received on September 15, 2026. Want to learn more about 27 Cottage Row? Do you have questions about finding other Single Family real estate for sale in Miramar Beach? You can browse all Miramar Beach real estate or contact a Coldwell Banker agent to request more information.

