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.
Make a winning offer with the help of a local agent
Around this home
Schools
K - 12
Preschool & daycare
Van R. Butler Elementary School
Public K-5 • Assigned • 8.0mi
9/10
Emerald Coast Middle School
Public 6-8 • Assigned • 16.8mi
9/10
South Walton High School
Public 9-12 • Assigned • 12.7mi
7/10
Provided by GreatSchools
Lifestyle
Provided by Walk Score and Local Logic
Offer insights
27 Cottage Row · $870,000
$870K and above
75% chance or better to win
Why $870K+ is a strong offer
DAYS ON MARKET
48 days
The average home goes pending in 88 days.
SALE-TO-LIST
96.5%
Most homes are selling 3% below list price.
About offer insights
Property details
Interior
Exterior
Finance
Kitchen
Bathroom
Bedroom
Living
Dining
Interior features
Crown molding
Recessed lighting
Owner's closet
Pantry
Painted woodwork
Storm door(s)
Double pane windows
Storm windows
Window bay
Bedrooms
3 bedrooms total
Master bedroom on the second floor with balcony, walk-in closet, carpeted flooring, double vanity, separate shower, cultured marble and whirlpool in the master bath
Bathrooms
3 full bathrooms
Kitchen
Cooktop
Dishwasher
Disposal
Microwave
Refrigerator
Laundry & utility
Washer
Dryer
Electric water heater
Flooring
Hardwood
Tile
Carpet
Heating & cooling
Central heating
Central air conditioning
Ceiling fans
Exterior features
Outdoor grill
Balcony
In-ground heated pool
Outdoor shower
Covered and open decks
Covered and open patios
Porch
Within 1/2 mile to water
Gulf view
Home design
Beach house style
2 stories
Built in 2005
Parking
2 driveway spaces
Security
Smoke detector(s)
Construction
Metal roof
Construction includes block, concrete, frame, wood trim and cement fiberboard siding
Utilities
Public water
Public sewer
Electric service
TV cable available
Phone service
HOA & community
Has association
Association covers maintenance of grounds, licenses/permits, management, recreational facility and trash
Community features include BBQ pit/grill, beach access, community room, gated entry, pavilion/gazebo, picnic area, pool, whirlpool, TV cable, and short-term rentals allowed
Electricity and solar
View estimated energy costs and solar savings for this home
This adorable cottage is located within the gated community of Cottage Retreat offering a heated, Resort style pool with hot tub, sun deck, clubhouse, fitness center and a short walk away from the 310' of Private, Deeded beach access! A solid built home with Hardi plank siding, walls of window offering an abundance of natural light, 9' ceilings and open kitchen/living and dining area. Each of the spacious bedrooms (one on the first level) has an en suite bathroom. Sold Fully furnished and turn key, this home is a fantastic opportunity!
ECAR #358670
Apr 29, 2005
Sold
$540,000
$303/sq ft
Apr 3, 2004
Listed
$550,000
$308/sq ft
''PERWINKLE PLAN'' BEST PRICE !! PROPERTY FEATURES INCLUDE: 300' of beach for owners pleasure, gated entry, underground utilities and 3,000 sq ft heated pool with spa and sun deck, BBQ grill & picnic area, on site rental office and confrence center. EXTERIOR FEATURES INCLUDE: covered porches and decks, hardi plank siding, gable and hip roof style with standing stam metal construction, florida style fiberglass cased doors, florida style double insulated cased windows, outside shower, professional lush tropical landscaping, custom brick paved driveways and a private no outlet street. INTERIOR APPOINTMENTS INCLUDE: tile, carpet and buyer's choice of wood or tile flooring in living area, wood cabinets, solid surface kitchen counter tops, whirlpool and seperate shower in master bath, black and stainless appliances, crown molding, 7.25 inch base and shoe molding, 9 and 10 foot ceiling heights and sound insulation between living levels. seller not owner yet.
Year
Property tax
Land + Additions
Assessment*
2025
$6,410 (+8.0%)
$105,671 + $603,749
$709,420
2024
$5,935 (−0.5%)
$105,671 + $544,114
$649,785
2023
$5,962 (+6.3%)
$105,671 + $550,515
$656,186
2022
$5,611 (+28.2%)
$117,295 + $488,154
$605,449
2021
$4,376 (+9.6%)
2020
$3,993 (+2.1%)
$93,858 + $306,159
$400,017
2019
$3,909 (+1.7%)
$90,249 + $303,405
$393,654
2018
$3,843 (+7.9%)
$86,777 + $298,627
$385,404
2017
$3,563 (+11.1%)
$84,250 + $281,794
$366,044
2016
$3,207 (+2.8%)
$81,009 + $239,493
$320,502
2015
$3,121
$75,710 + $231,418
$307,128
2014
$3,119
Public record
Public record
Zoning
Beds
3
Baths
3
Stories
2
Lot width
3 ft.
Lot depth
5 ft.
Lot size
1,125 Sq. Ft.
Year renovated
2005
Finished Sq. Ft.
1,784
Unfinished Sq. Ft.
—
Total Sq. Ft.
1,784
Year built
2005
Style
Single Family Residential
County
Walton County
APN
302S21427960000190
Parking Spaces
—
Basement
—
Accessible
—
HOA Dues
—
Garage
—
Features
—
Last updated by owner on Sep 9, 2026.
CC
Coastal Center District
This district is primarily residential, allowing medium residential densities and supporting uses. All development is required to be connected to a public water and sewer system.
Permitted uses
Include but are not limited to:
Bank
Day care facility
Housing-Single unit
Housing-Multiple units
Mixed use building
Office
Medical office
Educational/school
Library
Museum / gallery
Climate risks
1/10 Flood Factor
Minimal risk of a flood reaching the building in the next 30 years
1/10 Fire Factor
Unlikely to be in a wildfire in next 30 years
10/10 Heat Factor
7 days above 103° expected this year, 22 days in 30 years
9/10 Wind Factor
99% chance of strong winds in next 30 years
2/10 Air Factor
0 unhealthy days expected this year, 1 days in 30 years
Provided by First Street
Historical weather
Miramar Beach, FL • 32550
Average low and high temperatures (°F)
59
44
66
52
70
58
76
64
81
71
88
77
90
80
87
77
87
73
79
66
73
60
64
49
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Sun exposure
65/ 100
Moderate sunlight
Sunscore
There appears to be some shading by surrounding buildings, terrain, and vegetation.
6.7 hrs
3.6 hrs
JuneDecember
Provided by Shadowmap
Redfin Estimate for 27 Cottage Row
We cannot show automated home-value estimates for this home.
Nearby homes have recently sold between $450,000 and $950,000.
Nearby comparable homes
The Redfin Estimate uses 6 recent nearby sales, priced between $450K to $950K.