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About This Home

This 3-bedroom, 3-bathroom condo at 9815 W US HIGHWAY 98 in Miramar Beach, FL is listed for $475,000 ($321 per sqft). Built in 1988, the home offers 1,479 sqft of living space on a N/A lot.

Agent Description

Located in a gated community with private deeded beach access, this beach cottage is full of character, charm, and quality craftsmanship throughout. Step into an open-concept living space that's both functional and inviting. The living room is anchored by timeless built-in cabinetry and classic millwork, creating a warm and welcoming atmosphere.

Enjoy the benefit of expanded square footage-the former balcony has been enclosed and reimagined as a bright, airy dining area, effectively doubling your usable living space and offering the perfect spot to relax or entertain year-round. The bathrooms have been elegantly remodeled, with tasteful updates that complement the home's coastal character.

Additional custom touches include a built-in laundry closet crafted from rich Philippine mahogany, showcasing the attention to detail throughout. This thoughtfully designed cottage blends style, comfort, and coastal living all within an amenity-rich, secure beachside community.

Hidden Dunes is truly a hidden gem more peaceful and less crowded than many neighboring communities. This gated beachfront retreat offers a wide array of resort-style amenities, including a professionally staffed tennis center with six Rubico Clay Courts,3 new Pickleball Courts, seasonal beach tram service, a lighted basketball court, three swimming pools, BBQ grilling areas, and reflecting pools with flowing fountains.

Enjoy scenic walking trails, lush landscaping, and the peace of mind that comes with 24-hour security.

Key Features

  • Built in 1988
  • 2 stories

Property Details

2 stories
3 full
#137
1988

Amenities

A/C

Monthly Cost Estimate

$7,030/mo

20% down · 6.5% · 30 years

Principal$344
Interest$2,058
Insurance$139
HOA$4,490

Estimates only. Actual payments may vary.

Location

9815 W US HIGHWAY 98

Miramar Beach, FL 32550

HIDDEN DUNES BEACH COTTAGES

Features & Amenities

Interior Features

Breakfast BarCeiling VaultedNewly PaintedWasher/Dryer Hookup

Property Details

Flooring

CarpetTile

Construction

Frame Roof Pitched Siding Wood Trim Wood

Pool Features

Porch

Heating

Central

Cooling

Central Air

Appliances

DishwasherDisposalDryerMicrowaveOven Self CleaningRange HoodRefrigerator W/IceMkStove/Oven ElectricWasherWater Heater - Elect

Questions & Answers

This 3-bedroom, 3-bathroom condo at 9815 W US HIGHWAY 98 is listed at $475,000 ($321/sqft). The estimated monthly payment is $6,548 based on 20% down at 6.5% interest.

HOA fees are $4490/month.

Key features include: Built in 1988, 2 stories. Interior Features: Breakfast Bar, Ceiling Vaulted, Newly Painted.

This property is listed by Katie M Atwater and can be reached at 8505029120 or katie@destinfinehomes.com.

KA

Katie M Atwater

Agent at The Premier Property Group

(850) 502-9120

Listed by The Premier Property Group · View on Broker Site

MLS# 979833· Source: listhub· Updated 337 days ago

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.

9815 W US HIGHWAY 98, Miramar Beach, FL 32550

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