365 Sandy Cay Drive, Miramar Beach, FL 32550
Sources: Emerald Coast MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 18, 2026, 365 Sandy Cay Drive in Paradise Retreat, Miramar Beach is listed at $869,000. That sits within a few percent of Paradise Retreat's median closed sale of $875,000 over the last 12 months (7 recorded sales). It has been 19 days on market, well inside the community's typical 133 days. Listing facts: built in 2004. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 2004 · 22 yrs
- 2-car garage
- 19 days on market
About this home
A rare Miramar Beach opportunity has arrived--beautifully furnished, priced to sell, and PRIVATE HEATED POOL! Welcome to Paradise Retreat, where your own private heated pool, gated coastal living, and private deeded beach access create the ultimate Emerald Coast lifestyle. This beautifully maintained, single-story 4-bedroom, 2-bath brick home is being sold FULLY FURNISHED and RENTAL READY, offering incredible flexibility as a primary residence, second home, or short-term rental investment.
Step inside and immediately notice the soaring vaulted ceilings, open-concept design, custom LVP flooring, and relaxed coastal elegance throughout. The spacious living, dining, and kitchen areas flow beautifully together, creating the perfect setting for entertaining, family gatherings, or hosting vacation guests. The kitchen is truly the heart of this home!
Gorgeous granite countertops provide plenty of prep and serving space, while the oversized breakfast bar opens directly into the living area. A custom ceramic tile backsplash, stainless steel appliances, abundant cabinetry, and an open layout create a kitchen that is equally beautiful and functional. Then step outside to your own PRIVATE BACKYARD OASIS.
The fully fenced backyard showcases a spectacular private swimming pool complete with a NEW GAS HEATER, allowing you and your guests to enjoy the pool beyond the traditional summer months. Spend the morning along the Gulf, come home for an afternoon swim, and finish the evening relaxing in your private Florida Room overlooking the pool. And when you're ready for the beach, Paradise Retreat delivers one of Miramar Beach's most desirable amenities--PRIVATE DEEDED BEACH ACCESS!
This gated community provides owners access to approximately 320 feet of private sugar-white sand along the emerald waters of the Gulf. The private gated beach access is approximately 880 yards from the home, making beach days incredibly convenient while still giving you the space and privacy of a single-family home. Paradise Retreat is a highly sought-after GATED COMMUNITY of approximately 120 homes, offering a peaceful residential atmosphere while placing you right in the middle of everything Miramar Beach and Destin have to offer.
Walk or bike along Scenic Gulf Drive, grab dinner at Pompano Joe's or Captain Dave's, or enjoy the nearby shopping, dining, golf, and entertainment. Destin Commons and Silver Sands Premium Outlets are also just a short drive away. The spacious primary suite features a king bed and private ensuite bathroom with dual vanities and a tub/shower combination.
Three additional guest bedrooms provide plenty of room for family and visitors, and the home's current configuration comfortably accommodates up to 10 guests. Additional features include a 2-car garage, spacious 4-car driveway, gas water heater, washer and dryer, generous storage, Florida Room, fully fenced backyard, and established short-term rental history. This is the COMPLETE MIRAMAR BEACH PACKAGE--a beautifully furnished 4-bedroom single-family home with a PRIVATE HEATED POOL, gated community, PRIVATE DEEDED BEACH ACCESS, two-car garage, rental potential, and an outstanding location just minutes from everything that makes the Emerald Coast special.
PRICED TO SELL and positioned to stand apart from the competition, this property offers something increasingly difficult to find near the beach: your own home, your own garage, your own private heated pool, and your own private beach access. Paradise Retreat is calling. Come experience the privacy, luxury, and laid-back coastal lifestyle that make this gated Miramar Beach community such a special place to own.
All 40 photos
Description provided by RealJoy Realty LLC and reproduced from the MLS; not independently verified.
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $4,813/mo 82%
- Taxes $667/mo 11%
- Insurance $362/mo 6%
$5,842/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Certified tax roll · county-average rateProperty taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
The current owner’s taxable value is below today’s asking price; after a sale the assessment is set from market value, so the estimated bill is higher. Exemptions and portability can reduce it.
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Estimate my property taxes →Adjust for your exemptions, portability, and down payment
Sources: Florida DOR certified tax roll (2025), Emerald Coast AR; millage: Florida TaxWatch 2025 How Florida Counties Compare (county-average millage); school portion estimated at ~42% of total, capped at 6.50 mills. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 365 Sandy Cay Drive
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
| Property tax | The current owner's bill is about $5,850/yr (certified county roll, taxable value × millage). Buy at the asking price of $869,000 and the first-year bill resets to about $8,000/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 9.76 mills (county-average millage, estimate)); Save Our Homes caps later increases at 3%/yr. |
|---|---|
| Home and flood insurance | The average Citizens Property Insurance premium in Walton County is $1,942/yr (433 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $3,000–$6,500/yr; neither is a quote. |
| Roof and age | Built in 2004. An original roof would be about 22 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date. |
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Walton County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Natural hazard risk
FEMA National Risk Index for Walton County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
Pricing & the PARADISE RETREAT market
How this home is priced against recent nearby sales, and where PARADISE RETREAT has been over 25 years. Momentum Research analysis of Emerald Coast MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
Median sale price by year
12-month median closed price, 2013–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2014–2026. Now 12 (cold).
This home’s history
- 2004BuiltPer public record
- Sep 4, 2026First seen on movewithmomentum.comObserved at $869,000
- NowUnder contractCurrently pending
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Price & listing history
Building permits
Comparable recent sales
No closed sales of a similar home within about 10 miles in Walton County in the last 18 months are in our MLS data set, so this page shows no comparable-sales median or automated estimate for PARADISE RETREAT. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
Momentum Property Score
57/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Coverage: 4 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟢 Buyer-leaning conditions around this listing. 12.0 months of supply in the surrounding market and 19 days on market for this home, against a 133-day area median.Days on market:this home 19Area median: 133 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate. As of September 20, 2026.
33% of homes in PARADISE RETREAT are owner-occupied. An estimated 67% are non-owner-occupied, including 22% held in a company or trust and 43% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 120 homes matched. Community-level context.
Recent PARADISE RETREAT sales closed near 92.9% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Emerald Coast MLS records, community-level, 12 months ending September 20, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 7 active listings in PARADISE RETREAT, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 18, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by RealJoy Realty LLC · MLS # 1011233
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Similar homes for sale near PARADISE RETREAT
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
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Recently off market in PARADISE RETREAT
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Every home on Sandy Cay Drive: what is for sale, what sold and when, the homes and the communities along it.
Just listed: new homes for sale in the Emerald Coast in the last 48 hours · updated hourly · RSS · The Emerald Coast market today: new listings, price cuts, pendings
More on PARADISE RETREAT
Go deeper on PARADISE RETREAT
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Assigned schools
Schools currently assigned to this address in Walton County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Buyer research checklist
Items worth confirming for 365 Sandy Cay Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2004 (22 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- Confirm whether a mandatory HOA applies to this parcel and what it charges.
- Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
- Get a homeowners insurance quote for this specific address in Walton County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Confirm square footage and room dimensions independently.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $8,000/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $2,150 more per year than the current owner’s estimated bill (+37%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Data sources & freshness
| Listing record | Emerald Coast MLS, checked against the MLS hourly (last: October 18, 2026) |
| Comparable sales | Fewer than 3 defensible closed sales within about 10 miles in Walton County — no medians or automated estimate shown |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| Taxes & monthly cost | Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of Emerald Coast MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 365 Sandy Cay Drive and when was it built?
Per the listing record, 365 Sandy Cay Drive was built in 2004 and has 4 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 365 Sandy Cay Drive in?
365 Sandy Cay Drive is in Paradise Retreat in Miramar Beach, Walton County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
Why might property taxes on 365 Sandy Cay Drive differ from the current owner's?
The estimate on this page (about $8,000 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $2,150 more per year than the current owner’s estimated bill (+37%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 365 Sandy Cay Drive in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
See 365 Sandy Cay Drive in person
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Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Emerald Coast Association of REALTORS® Internet Data Exchange. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: Emerald Coast Association of REALTORS®. © 2026 Emerald Coast Association of REALTORS®, Inc. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.