# 122 Stewart Lake Cove #278, Miramar Beach, FL 32550 > **TL;DR:** 3bd/3ba condo, $599,000 ($387/sqft), built 1985, 1,546 sqft. > Hardwood, A/C. Est. $4,931/mo. Listed 572 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $599,000 | | Price/sqft | $387 | | Bedrooms | 3 | | Bathrooms | 3 full | | Square Feet | 1,546 | | Year Built | 1985 | | Stories | 2 | | Property Type | Condo (Condominium) | | Status | Active | | Days on Market | 572 | ## Why This Home Stands Out - **Hardwood Floors** - Hardwood flooring listed ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $3,029 | | Estimated Insurance | $175 | | HOA | $1,727 | | **Total** | **$4,931** | ## Nearby Schools - **Elementary:** Van R Butler - **Middle:** Emerald Coast - **High:** South Walton ## Key Amenities - Hardwood - A/C ## Property Highlights - Built in 1985 - 2 stories ## Description ### Agent Description Value-add opportunity in the heart of Seascape Resort. This 3-bedroom, 2-bath, 1,546 sq ft residence at 122 Stewart Lake Cove offers two private balconies with lake and Gulf views, steps from the beach and Seascape's amenities. Open living area, split-bedroom layout, and in-unit laundry. Priced to reflect condition, this is an honest, numbers-first listing for the buyer who sees potential rather than one who wants a staged illusion. A licensed local contractor, Destination Builders Group LLC (Lic. CGC1517400), has already scoped a full bathroom renovation at approximately $42,000, giving buyers a real, quoted path to updating the home rather than a guess. The identical floorplan next door, Unit 279, sold for $664,000 in July 2025 in better cosmetic condition, real documented upside for a buyer ready to execute. New HVAC installed June 2025 removes a major capital item from any renovation budget. Verified rental income history (host payout statements, 2024 through 2026) available on request for investor buyers evaluating cash flow and post-renovation projections. Nearby Grove redevelopment adds long-term neighborhood upside. Seascape Resort offers golf, tennis, resort-style pools, and deeded beach access. Sellers are motivated and realistic about condition, and this listing is built on full transparency: what you see is what you get, and the numbers hold up under scrutiny. Bring your vision, the math already works here. Schedule your showing today. The Property: 3 bed/2 bath, 1,546 sq ft, two private balconies with lake and Gulf views, in the heart of Seascape Resort -- one of Miramar Beach's most established gated communities, with deeded beach access, golf, tennis, and resort-style pools. The Condition: This unit needs cosmetic updating -- recent showing feedback confirmed as much, and we're not pretending otherwise. What it also has is a licensed contractor's scoped bid in hand: Destination Builders Group LLC (Lic. CGC1517400) has quoted a full bathroom renovation at approximately $42,000, or a minimal primary-bath-only scope at $10,788 if your buyer wants just the essential fix. That bid is available for your buyer's review. The Comp: Unit 279, the identical floorplan two doors down, sold for $664,000 in July 2025 -- in noticeably better cosmetic condition than this unit. That gap is the opportunity: a buyer who executes the renovation is working from a real, verified ceiling, not a hopeful one. The Income: For investor buyers, we have three years of verified host payout statement income -- $73,811 (2024), $55,262 (2025), and 2026 tracking flat with 2025 through actuals plus confirmed bookings. New HVAC installed June 2025 removes one major capital item from any renovation budget. Full underwriting package, including post-renovation income projections, available on request. The Sellers: Motivated, realistic, and easy to work with. This is a listing where full transparency works in your buyer's favor -- we'd rather you know the real numbers now than find a surprise in due diligence. ## Location - **Address:** 122 Stewart Lake Cove #278, Miramar Beach, FL 32550 - **County:** Walton - **Neighborhood:** SEASCAPE CONDO PH 7 - **Coordinates:** 30.377461, -86.368632 - **Google Maps:** https://www.google.com/maps?q=30.377461,-86.368632 ## Virtual Tour & Media - **Video Tour:** https://my.matterport.com/show/?m=XVnW64dgce6&play=1&qs=0&nt=1&help=2&brand=0&mls=1& ## Listing Agent - **Name:** Scott Martineau · **License:** 3260680 - **Brokerage:** RE/MAX Coastal Properties - **Broker Phone:** (850) 837-9900 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/122-Stewart-Lake-Cv-Unit-278_Miramar-Beach_FL_32550_M62332-31323?f=listhub&s=ECARMLSFL&m=973196&c=propsimple) ## Photos ![122 Stewart Lake Cove #278 - Photo 1](http://lh.rdcpix.com/b707c17696c525efaceddfca26ef40efl-f1474938873r.jpg) ![122 Stewart Lake Cove #278 - Photo 2](http://lh.rdcpix.com/b707c17696c525efaceddfca26ef40efl-f3109013263r.jpg) ![122 Stewart Lake Cove #278 - Photo 3](http://lh.rdcpix.com/b707c17696c525efaceddfca26ef40efl-f2383097541r.jpg) ![122 Stewart Lake Cove #278 - Photo 4](http://lh.rdcpix.com/b707c17696c525efaceddfca26ef40efl-f2809779053r.jpg) ![122 Stewart Lake Cove #278 - Photo 5](http://lh.rdcpix.com/b707c17696c525efaceddfca26ef40efl-f2810672453r.jpg) ![122 Stewart Lake Cove #278 - Photo 6](http://lh.rdcpix.com/b707c17696c525efaceddfca26ef40efl-f4220261904r.jpg) ![122 Stewart Lake Cove #278 - Photo 7](http://lh.rdcpix.com/b707c17696c525efaceddfca26ef40efl-f1182962455r.jpg) ![122 Stewart Lake Cove #278 - Photo 8](http://lh.rdcpix.com/b707c17696c525efaceddfca26ef40efl-f413025723r.jpg) ![122 Stewart Lake Cove #278 - Photo 9](http://lh.rdcpix.com/b707c17696c525efaceddfca26ef40efl-f1104609502r.jpg) ![122 Stewart Lake Cove #278 - Photo 10](http://lh.rdcpix.com/b707c17696c525efaceddfca26ef40efl-f3008487220r.jpg) ![122 Stewart Lake Cove #278 - 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Photo 47](http://lh.rdcpix.com/b707c17696c525efaceddfca26ef40efl-f1429223512r.jpg) ![122 Stewart Lake Cove #278 - Photo 48](http://lh.rdcpix.com/b707c17696c525efaceddfca26ef40efl-f4257171189r.jpg) ![122 Stewart Lake Cove #278 - Photo 49](http://lh.rdcpix.com/b707c17696c525efaceddfca26ef40efl-f1127918291r.jpg) ![122 Stewart Lake Cove #278 - Photo 50](http://lh.rdcpix.com/b707c17696c525efaceddfca26ef40efl-f1593099399r.jpg) ![122 Stewart Lake Cove #278 - Photo 51](http://lh.rdcpix.com/b707c17696c525efaceddfca26ef40efl-f1670001280r.jpg) ![122 Stewart Lake Cove #278 - Photo 52](http://lh.rdcpix.com/b707c17696c525efaceddfca26ef40efl-f2486854527r.jpg) ![122 Stewart Lake Cove #278 - Photo 53](http://lh.rdcpix.com/b707c17696c525efaceddfca26ef40efl-f485309682r.jpg) ![122 Stewart Lake Cove #278 - Photo 54](http://lh.rdcpix.com/b707c17696c525efaceddfca26ef40efl-f2010944129r.jpg) ![122 Stewart Lake Cove #278 - Photo 55](http://lh.rdcpix.com/b707c17696c525efaceddfca26ef40efl-f3763698521r.jpg) ![122 Stewart Lake Cove #278 - Photo 56](http://lh.rdcpix.com/b707c17696c525efaceddfca26ef40efl-f3514975352r.jpg) ![122 Stewart Lake Cove #278 - Photo 57](http://lh.rdcpix.com/b707c17696c525efaceddfca26ef40efl-f1478547497r.jpg) ![122 Stewart Lake Cove #278 - Photo 58](http://lh.rdcpix.com/b707c17696c525efaceddfca26ef40efl-f2531202589r.jpg) ![122 Stewart Lake Cove #278 - Photo 59](http://lh.rdcpix.com/b707c17696c525efaceddfca26ef40efl-f4210789309r.jpg) ![122 Stewart Lake Cove #278 - Photo 60](http://lh.rdcpix.com/b707c17696c525efaceddfca26ef40efl-f265700212r.jpg) ![122 Stewart Lake Cove #278 - Photo 61](http://lh.rdcpix.com/b707c17696c525efaceddfca26ef40efl-f2376319478r.jpg) ![122 Stewart Lake Cove #278 - Photo 62](http://lh.rdcpix.com/b707c17696c525efaceddfca26ef40efl-f383994028r.jpg) ![122 Stewart Lake Cove #278 - Photo 63](http://lh.rdcpix.com/b707c17696c525efaceddfca26ef40efl-f765387276r.jpg) ![122 Stewart Lake Cove #278 - Photo 64](http://lh.rdcpix.com/b707c17696c525efaceddfca26ef40efl-f741127931r.jpg) ![122 Stewart Lake Cove #278 - Photo 65](http://lh.rdcpix.com/b707c17696c525efaceddfca26ef40efl-f3131148119r.jpg) ![122 Stewart Lake Cove #278 - Photo 66](http://lh.rdcpix.com/b707c17696c525efaceddfca26ef40efl-f1259618037r.jpg) ![122 Stewart Lake Cove #278 - Photo 67](http://lh.rdcpix.com/b707c17696c525efaceddfca26ef40efl-f922282573r.jpg) ![122 Stewart Lake Cove #278 - Photo 68](http://lh.rdcpix.com/b707c17696c525efaceddfca26ef40efl-f1172116534r.jpg) ![122 Stewart Lake Cove #278 - Photo 69](http://lh.rdcpix.com/b707c17696c525efaceddfca26ef40efl-f1406657629r.jpg) ![122 Stewart Lake Cove #278 - Photo 70](http://lh.rdcpix.com/b707c17696c525efaceddfca26ef40efl-f757284112r.jpg) ![122 Stewart Lake Cove #278 - Photo 71](http://lh.rdcpix.com/b707c17696c525efaceddfca26ef40efl-f2067780291r.jpg) --- **MLS#:** 973196 | **Updated:** 2026-10-27 **Source:** listhub *Copyright © 2026 Emerald Coast Association of Realtors. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.* [View on PropertySimple](https://www.propertysimple.ai/listing/122-stewart-lake-cove-miramar-beach-fl-32550-bca60fa3a8ad464ea1a01e5b95ac9d6d) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/122-stewart-lake-cove-miramar-beach-fl-32550-bca60fa3a8ad464ea1a01e5b95ac9d6d#listing", "url": "https://www.propertysimple.ai/listing/122-stewart-lake-cove-miramar-beach-fl-32550-bca60fa3a8ad464ea1a01e5b95ac9d6d", "name": "122 Stewart Lake Cove #278, Miramar Beach, FL 32550", "description": "Value-add opportunity in the heart of Seascape Resort. This 3-bedroom, 2-bath, 1,546 sq ft residence at 122 Stewart Lake Cove offers two private balconies with lake and Gulf views, steps from the beach and Seascape's amenities. Open living area, split-bedroom layout, and in-unit laundry. Priced to reflect condition, this is an honest, numbers-first listing for the buyer who sees potential rather than one who wants a staged illusion. A licensed local contractor, Destination Builders Group LLC (Lic. CGC1517400), has already scoped a full bathroom renovation at approximately $42,000, giving buyers a real, quoted path to updating the home rather than a guess. The identical floorplan next door, Unit 279, sold for $664,000 in July 2025 in better cosmetic condition, real documented upside for a buyer ready to execute. New HVAC installed June 2025 removes a major capital item from any renovation budget. Verified rental income history (host payout statements, 2024 through 2026) available on request for investor buyers evaluating cash flow and post-renovation projections. Nearby Grove redevelopment adds long-term neighborhood upside. Seascape Resort offers golf, tennis, resort-style pools, and deeded beach access. Sellers are motivated and realistic about condition, and this listing is built on full transparency: what you see is what you get, and the numbers hold up under scrutiny. Bring your vision, the math already works here. Schedule your showing today. The Property: 3 bed/2 bath, 1,546 sq ft, two private balconies with lake and Gulf views, in the heart of Seascape Resort -- one of Miramar Beach's most established gated communities, with deeded beach access, golf, tennis, and resort-style pools. The Condition: This unit needs cosmetic updating -- recent showing feedback confirmed as much, and we're not pretending otherwise. What it also has is a licensed contractor's scoped bid in hand: Destination Builders Group LLC (Lic. CGC1517400) has quoted a full bathroom renovation at approximately $42,000, or a minimal primary-bath-only scope at $10,788 if your buyer wants just the essential fix. That bid is available for your buyer's review. The Comp: Unit 279, the identical floorplan two doors down, sold for $664,000 in July 2025 -- in noticeably better cosmetic condition than this unit. That gap is the opportunity: a buyer who executes the renovation is working from a real, verified ceiling, not a hopeful one. The Income: For investor buyers, we have three years of verified host payout statement income -- $73,811 (2024), $55,262 (2025), and 2026 tracking flat with 2025 through actuals plus confirmed bookings. New HVAC installed June 2025 removes one major capital item from any renovation budget. Full underwriting package, including post-renovation income projections, available on request. The Sellers: Motivated, realistic, and easy to work with. 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