27 Cottage Row, Miramar Beach

$870,000

3 Beds
3 Baths
1,784 Sqft
.03 Acre
0 Garage

Deeded/Gated Beach Access in a GATED BEACH COMMUNITY! Welcome to your own slice of paradise in the heart of Miramar Beach! Tucked inside the highly desirable gated community of Cottage Retreat, this beautifully appointed 3-bedroom, 3-bath beach home offers the perfect combination of coastal charm, privacy, and resort-style amenities--all just 525 feet from private beach access and the sugar-white sands and emerald waters of the Gulf!

Step inside and you're immediately welcomed by a bright, open floor plan filled with natural light. At the heart of the home is a gorgeous coastal-inspired kitchen showcasing storybook white cabinetry, seemingly endless granite countertops, stainless steel appliances, a custom tile backsplash, breakfast bar, and plenty of space for gathering and entertaining. The kitchen flows effortlessly into the spacious dining and living areas, creating an inviting setting for family, friends, and unforgettable beach getaways.

The thoughtfully designed floor plan features a first-floor guest suite with a king bed and private ensuite bath--perfect for guests who appreciate avoiding the stairs. Upstairs, the spacious primary suite feels like a private retreat of its own, complete with balcony access and an ensuite bath featuring a jetted soaking tub and separate shower. An additional upstairs guest suite offers a queen bed plus a twin-over-full bunk and its own private ensuite bath. Outside your front door, the Florida lifestyle truly begins. Cottage Retreat is a private gated beach community offering gated beach access just across Scenic Highway 98, along with a seasonally heated community pool, hot tub, fitness center, and grilling area. Spend the morning on the beach, cool off by the pool in the afternoon, and walk to nearby beachfront dining for dinner--all without having to venture far from home.

And the location is hard to beat! Cottage Retreat places you in the heart of Miramar Beach, centrally located between Destin Commons and Silver Sands Premium Outlets and just a short distance from some of the area's favorite restaurants, shopping, golf, entertainment, and attractions. Captain Dave's on the Gulf is within walking distance, and the nearby Dolphin Reef offers another unique way to enjoy the beautiful waters of the Emerald Coast.

Whether you're searching for a primary residence, second home, or an investment property near the beach, this home delivers the location, layout, amenities, and coastal lifestyle buyers come to Miramar Beach looking for.

Gated community. Private beach access. Resort-style amenities. Three bedrooms with three private baths. A gorgeous kitchen. And the Gulf just steps away.

This is more than a beach house--it's your opportunity to own a piece of the Miramar Beach lifestyle.

Essential Information
MLS® #1012008
Price$870,000
Bedrooms3
Bathrooms3.00
Full Baths3
Square Footage1,784
Acres0.03
Year Built2005
TypeResidential
Sub-TypeDetached Single Family
StyleBeach House
StatusActive
Community Information
Address27 Cottage Row
Area15 - Miramar/Sandestin Resort
SubdivisionCOTTAGE RETREAT
CityMiramar Beach
CountyWalton
StateFL
Zip Code32550
Amenities
ViewGulf
Has PoolYes
PoolHeated, In Ground
Utilities

Electric, Phone, Public Sewer, Public Water, TV Cable

Interior
HeatingCentral
CoolingCentral Air, Ceiling Fan(s)
# of Stories2
Interior Features

Crown Molding, Recessed Lighting, Owner's Closet, Pantry, Woodwork Painted

Appliances

Cooktop, Dishwasher, Disposal, Dryer, Microwave, Refrigerator, Washer, Electric Water Heater

Exterior
RoofMetal
Exterior Features

Outdoor Grill, Balcony, Pool - House, Outdoor Shower

Lot Description

Cul-De-Sac, Within 1/2 Mile to Water

Windows

Double Pane Windows, Storm Window(s), Window Bay

Construction

Block, Concrete, Frame, Trim Wood, Siding CmntFbrHrdBrd

School Information
ElementaryVan R Butler
MiddleEmerald Coast
HighSouth Walton
Additional Information
ZoningResid Single Family
Listing Details
OfficeRealJoy Realty LLC
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Listing information last updated on October 16th, 2026 at 5:07am CDT.