9815 W U.S. Highway 98 #Unit 177, Miramar Beach, FL 32550
Sources: Emerald Coast MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of September 12, 2026, 9815 W U.S. Highway 98 #Unit 177 in Hidden Dunes Beach Cottages 2, Miramar Beach is listed at $550,000. That sits within a few percent of Hidden Dunes Beach Cottages 2's median closed sale of $528,750 over the last 12 months (6 recorded sales). It has been 137 days on market, longer than the community's typical 66 days to contract. Listing facts: built in 1990. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 1990 · 36 yrs
- 137 days on market
- HOA ~$50/mo (estimate; confirm)
Pricing & the HIDDEN DUNES BEACH COTTAGES 2 market
How this home is priced against recent nearby sales, and where HIDDEN DUNES BEACH COTTAGES 2 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, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 48 (normal).
This home’s history
- 1990BuiltPer public record
- Aug 4, 2026First trackedObserved at $550,000
- NowActiveCurrently for sale
Build year is from public record. Listing 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.
Estimated monthly payment
- Principal & interest $2,857/mo 78%
- Taxes $481/mo 13%
- Insurance $283/mo 8%
- HOA $50/mo 1%
$3,671/mo at 20% down, 30-yr @ 6.76% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Momentum Property Score
63/100 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.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
Recent HIDDEN DUNES BEACH COTTAGES 2 sales closed near 92.7% 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 12, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 5 active listings in HIDDEN DUNES BEACH COTTAGES 2, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated September 12, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
Hidden Dunes Beach Cottage 177 is a beautifully maintained 3BR/3BA coastal cottage inside the gated Hidden Dunes Beach & Tennis Resort at 9815 U.S. Highway 98 W, Miramar Beach, FL 32550. Offered fully furnished, this property is move-in ready and rental ready--an ideal second home, short-term vacation rental, or full-time residence in a resort-style setting.
(As of May 1 there are $20,500 in future bookings for 2026 ). The light-filled living area features vaulted ceilings, and the split-bedroom floor plan offers excellent privacy with a large primary suite and ensuite bath on one side, and a private guest bedroom with its own bath on the other. Upstairs, a spacious Loft with a full bath provides additional sleeping and lounging space and helps the cottage comfortably sleep eight.
Tile flooring runs throughout--no carpet to remove. The kitchen features granite countertops, stainless steel appliances, and white cabinetry, and it flows nicely into the main living space. One of the best features is the lovely screened-in porch, perfect for relaxing while overlooking Hidden Dunes' lush, tropical landscaping and the nearby fountain area.
Hidden Dunes is a low-density, gated community that truly feels like a private oasis--lush natural landscaping with towering live oaks and pines, beautiful walking paths, and tranquil fountains throughout the resort. Owners and guests also enjoy a scenic fishing lake with a pier for catch-and-release fishing, adding to the peaceful, tucked-away feel that makes Hidden Dunes so special. When you're ready for the Gulf, you'll love the 510 linear feet of low-density private beach with private beach access and full beach service, plus a short stroll to the beach or an easy seasonal tram ride.
Resort-style amenities include tennis courts, pickleball, two community pools and hot tubs, a basketball court, horseshoe pits, a playground, and walking trails. And when you're ready to venture out, you're just minutes from Sandestin, Silver Sands Premium Outlets, Grand Boulevard, dining, and entertainment. The owners do allow short-term rentals but very limited.
They reserve most of the year for family and friends use . They have personally self-managed the property through VRBO. Buyer to verify all information.
Call today to schedule your private showing
Description provided by Wooley Luxury Properties 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
Similar homes for sale near HIDDEN DUNES BEACH COTTAGES 2
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.
Price & listing history
Building permits
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Internet & broadband
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Xfinity/Spectrum cable broadband is widely available.
T-Mobile / Verizon fixed-wireless as a backup option.
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Listed by Wooley Luxury Properties LLC · MLS # 996733
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Recent sales activity in HIDDEN DUNES BEACH COTTAGES 2
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the HIDDEN DUNES BEACH COTTAGES 2 neighborhood guide for more.
Recent nearby closings in the data set.
Canonical 12-month median closed price. Reference only.
Canonical 12-month median $/sq ft. Reference only.
Go deeper on HIDDEN DUNES BEACH COTTAGES 2
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 →
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
No closely comparable recent sales were found in this data set.
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Buyer research checklist
Items worth confirming for 9815 W U.S. Highway 98 #Unit 177, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1990 (36 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- Condominium: request the association's budget, reserves, the most recent milestone or structural inspection report, and two years of meeting minutes before relying on the dues.
- FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
- 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 $5,775/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Approximate distances
Approximate drive times for general reference only.
Groceries, dining, and parks for this city — see the city guide.
Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
View →Data sources & freshness
| Listing record | Emerald Coast MLS, refreshed twice daily (last: September 12, 2026) |
| Community market stats | Emerald Coast MLS closed sales, as of September 12, 2026 |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone X shown above) |
| Taxes & monthly cost | Estimated from county rates; not a quote |
| 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 9815 W U.S. Highway 98 #Unit 177 and when was it built?
Per the listing record, 9815 W U.S. Highway 98 #Unit 177 was built in 1990 and has 3 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 9815 W U.S. Highway 98 #Unit 177 in?
9815 W U.S. Highway 98 #Unit 177 is in Hidden Dunes Beach Cottages 2 in Miramar Beach, Walton County. The community section on this page shows recent closed sales, days on market, and active inventory for Hidden Dunes Beach Cottages 2 from the same MLS data.
Why might property taxes on 9815 W U.S. Highway 98 #Unit 177 differ from the current owner's?
The estimate on this page (about $5,775 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 9815 W U.S. Highway 98 #Unit 177 in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and 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 9815 W U.S. Highway 98 #Unit 177 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 a typical county millage rate to the list price 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.