# 440 Sandy Cay Drive, Miramar Beach, FL 32550

> **TL;DR:** 3bd/2ba single family, $895,000 ($578/sqft), built 2004, 1,548 sqft.
> A/C. Est. $6,147/mo. Listed 74 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $895,000 |
| Price/sqft | $578 |
| Bedrooms | 3 |
| Bathrooms | 2 full |
| Square Feet | 1,548 |
| Year Built | 2004 |
| Lot Size | 5,663 sqft (0.13 acres) |
| Stories | 1 |
| Property Type | Single Family (Other) |
| Status | Active |
| Days on Market | 74 |

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Principal & Interest (20% down, 30-year at 6.5%) | $4,526 |
| Estimated Insurance | $261 |
| HOA | $1,360 |
| **Total** | **$6,147** |

## Nearby Schools

- **Elementary:** Van R Butler
- **Middle:** Emerald Coast
- **High:** South Walton

## Key Amenities

- A/C

## Property Highlights

- Built in 2004
- 0.13 acre lot
- 4 parking spaces

## Description

### Agent Description
Welcome to 440 Sandy Cay Drive, located in the private, gated community of Paradise Retreat in Miramar Beach. Residents enjoy one of the neighborhood's most sought-after amenities--320 feet of private deeded beach access, just a short walk from the home. This updated Coastal white brick home is ideally situated on the south end of the neighborhood (closest to the beach),and offers an open-concept floor plan with vaulted ceilings in the living/dining areas, abundant natural light, fresh interior paint, and luxury vinyl plank flooring throughout the house. It also offers added peace of mind with a pre-listing home inspection already completed and a new roof installed in 2023. With recent improvements and being offered fully furnished make this home move-in ready. For those seeking investment property, Paradise Retreat has a well-established vacation rental market. Several similarly sized homes within the community have achieved approximately $100,000 in annual gross rental income. Buyers should independently verify rental history, projections, and any applicable restrictions.

## Location

- **Address:** 440 Sandy Cay Drive, Miramar Beach, FL 32550
- **County:** Walton
- **Neighborhood:** PARADISE RETREAT
- **Coordinates:** 30.381544, -86.394312
- **Google Maps:** https://www.google.com/maps?q=30.381544,-86.394312

## Virtual Tour & Media

- **Video Tour:** https://www.zillow.com/view-imx/a5fb6946-f836-43c4-9eac-d6ba14397cf8?wl=true&setAttribution=mls&initialViewType=pano

## Listing Agent

- **Name:** Debra A Fraser · **License:** 3454090
- **Brokerage:** Vantrease Properties IV LLC, dba RE/MAX BY THE SEA
- **Phone:** 8503764799
- **Broker Phone:** (423) 708-4628
- **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/440-Sandy-Cay-Dr_Miramar-Beach_FL_32550_M65604-19969?f=listhub&s=ECARMLSFL&m=1006957&c=propsimple)

## Photos

![440 Sandy Cay Drive - Photo 1](http://lh.rdcpix.com/a8c77aeabf32b460ffbb5df3dd4d7836l-f3432831711r.jpg)

![440 Sandy Cay Drive - Photo 2](http://lh.rdcpix.com/a8c77aeabf32b460ffbb5df3dd4d7836l-f2322923911r.jpg)

![440 Sandy Cay Drive - Photo 3](http://lh.rdcpix.com/a8c77aeabf32b460ffbb5df3dd4d7836l-f3358967308r.jpg)

![440 Sandy Cay Drive - Photo 4](http://lh.rdcpix.com/a8c77aeabf32b460ffbb5df3dd4d7836l-f3949219878r.jpg)

![440 Sandy Cay Drive - Photo 5](http://lh.rdcpix.com/a8c77aeabf32b460ffbb5df3dd4d7836l-f2741952521r.jpg)

![440 Sandy Cay Drive - Photo 6](http://lh.rdcpix.com/a8c77aeabf32b460ffbb5df3dd4d7836l-f1180593461r.jpg)

![440 Sandy Cay Drive - Photo 7](http://lh.rdcpix.com/a8c77aeabf32b460ffbb5df3dd4d7836l-f3450449444r.jpg)

![440 Sandy Cay Drive - Photo 8](http://lh.rdcpix.com/a8c77aeabf32b460ffbb5df3dd4d7836l-f2032070600r.jpg)

![440 Sandy Cay Drive - Photo 9](http://lh.rdcpix.com/a8c77aeabf32b460ffbb5df3dd4d7836l-f2713760895r.jpg)

![440 Sandy Cay Drive - Photo 10](http://lh.rdcpix.com/a8c77aeabf32b460ffbb5df3dd4d7836l-f3523539151r.jpg)

![440 Sandy Cay Drive - Photo 11](http://lh.rdcpix.com/a8c77aeabf32b460ffbb5df3dd4d7836l-f1149884188r.jpg)

![440 Sandy Cay Drive - Photo 12](http://lh.rdcpix.com/a8c77aeabf32b460ffbb5df3dd4d7836l-f1254632530r.jpg)

![440 Sandy Cay Drive - Photo 13](http://lh.rdcpix.com/a8c77aeabf32b460ffbb5df3dd4d7836l-f280795745r.jpg)

![440 Sandy Cay Drive - Photo 14](http://lh.rdcpix.com/a8c77aeabf32b460ffbb5df3dd4d7836l-f1080024727r.jpg)

![440 Sandy Cay Drive - Photo 15](http://lh.rdcpix.com/a8c77aeabf32b460ffbb5df3dd4d7836l-f3476227152r.jpg)

![440 Sandy Cay Drive - Photo 16](http://lh.rdcpix.com/a8c77aeabf32b460ffbb5df3dd4d7836l-f2574843563r.jpg)

![440 Sandy Cay Drive - Photo 17](http://lh.rdcpix.com/a8c77aeabf32b460ffbb5df3dd4d7836l-f1840222107r.jpg)

![440 Sandy Cay Drive - Photo 18](http://lh.rdcpix.com/a8c77aeabf32b460ffbb5df3dd4d7836l-f3246957512r.jpg)

![440 Sandy Cay Drive - Photo 19](http://lh.rdcpix.com/a8c77aeabf32b460ffbb5df3dd4d7836l-f1782271746r.jpg)

![440 Sandy Cay Drive - Photo 20](http://lh.rdcpix.com/a8c77aeabf32b460ffbb5df3dd4d7836l-f2181609086r.jpg)

![440 Sandy Cay Drive - Photo 21](http://lh.rdcpix.com/a8c77aeabf32b460ffbb5df3dd4d7836l-f1410927541r.jpg)

![440 Sandy Cay Drive - Photo 22](http://lh.rdcpix.com/a8c77aeabf32b460ffbb5df3dd4d7836l-f416100140r.jpg)

![440 Sandy Cay Drive - Photo 23](http://lh.rdcpix.com/a8c77aeabf32b460ffbb5df3dd4d7836l-f2521858070r.jpg)

![440 Sandy Cay Drive - Photo 24](http://lh.rdcpix.com/a8c77aeabf32b460ffbb5df3dd4d7836l-f2766254529r.jpg)

![440 Sandy Cay Drive - Photo 25](http://lh.rdcpix.com/a8c77aeabf32b460ffbb5df3dd4d7836l-f2882884904r.jpg)

![440 Sandy Cay Drive - Photo 26](http://lh.rdcpix.com/a8c77aeabf32b460ffbb5df3dd4d7836l-f1581680184r.jpg)

![440 Sandy Cay Drive - Photo 27](http://lh.rdcpix.com/a8c77aeabf32b460ffbb5df3dd4d7836l-f2572668711r.jpg)

![440 Sandy Cay Drive - Photo 28](http://lh.rdcpix.com/a8c77aeabf32b460ffbb5df3dd4d7836l-f3068263156r.jpg)

![440 Sandy Cay Drive - Photo 29](http://lh.rdcpix.com/a8c77aeabf32b460ffbb5df3dd4d7836l-f2298960937r.jpg)

![440 Sandy Cay Drive - Photo 30](http://lh.rdcpix.com/a8c77aeabf32b460ffbb5df3dd4d7836l-f2177774130r.jpg)

![440 Sandy Cay Drive - Photo 31](http://lh.rdcpix.com/a8c77aeabf32b460ffbb5df3dd4d7836l-f1118228283r.jpg)

![440 Sandy Cay Drive - Photo 32](http://lh.rdcpix.com/a8c77aeabf32b460ffbb5df3dd4d7836l-f2734700960r.jpg)

![440 Sandy Cay Drive - Photo 33](http://lh.rdcpix.com/a8c77aeabf32b460ffbb5df3dd4d7836l-f944557121r.jpg)

![440 Sandy Cay Drive - Photo 34](http://lh.rdcpix.com/a8c77aeabf32b460ffbb5df3dd4d7836l-f2441998229r.jpg)

![440 Sandy Cay Drive - Photo 35](http://lh.rdcpix.com/a8c77aeabf32b460ffbb5df3dd4d7836l-f3263394678r.jpg)

![440 Sandy Cay Drive - Photo 36](http://lh.rdcpix.com/a8c77aeabf32b460ffbb5df3dd4d7836l-f3252305857r.jpg)

![440 Sandy Cay Drive - Photo 37](http://lh.rdcpix.com/a8c77aeabf32b460ffbb5df3dd4d7836l-f2521962995r.jpg)

![440 Sandy Cay Drive - Photo 38](http://lh.rdcpix.com/a8c77aeabf32b460ffbb5df3dd4d7836l-f3487106646r.jpg)

![440 Sandy Cay Drive - Photo 39](http://lh.rdcpix.com/a8c77aeabf32b460ffbb5df3dd4d7836l-f274350181r.jpg)

![440 Sandy Cay Drive - Photo 40](http://lh.rdcpix.com/a8c77aeabf32b460ffbb5df3dd4d7836l-f2202012911r.jpg)

![440 Sandy Cay Drive - Photo 41](http://lh.rdcpix.com/a8c77aeabf32b460ffbb5df3dd4d7836l-f3303056359r.jpg)

![440 Sandy Cay Drive - Photo 42](http://lh.rdcpix.com/a8c77aeabf32b460ffbb5df3dd4d7836l-f827626995r.jpg)

![440 Sandy Cay Drive - Photo 43](http://lh.rdcpix.com/a8c77aeabf32b460ffbb5df3dd4d7836l-f1873304310r.jpg)

![440 Sandy Cay Drive - Photo 44](http://lh.rdcpix.com/a8c77aeabf32b460ffbb5df3dd4d7836l-f1216125848r.jpg)

![440 Sandy Cay Drive - Photo 45](http://lh.rdcpix.com/a8c77aeabf32b460ffbb5df3dd4d7836l-f957368162r.jpg)

---

**MLS#:** 1006957 | **Updated:** 2026-07-05
**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/440-sandy-cay-drive-miramar-beach-fl-32550-1006957)

---

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```