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218 Dunes Dr, Mexico Beach, FL, 32456

7beds
7baths
4,141sqft
$3,859,000
$932price/sqft
$24,228/moest. monthly cost
$969,120/yrincome needed

About This Home

Brand New, Highly Custom, Gulf Front, Home in the iconic Sugar Sand Subdivision. This X-Flood Gulf Front home is almost 5900 Sq. Ft. with 4141 sq. ft. conditioned. It is 7 bedrooms (4 Gulf View Master Suites), 6 1/2 baths, 2 Indoor living areas, raised large private pool and hot tub, elevator, 2 sets of washer dryers, etc. The deck areas are covered and open and are massive with lush furniture. The home comes fully furnished and turn-key. Be sure to check out the virtual tour video. Call today to setup a private showing.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

8/10
Tyndall Elementary SchoolGrades PK-813.2 mi
2/10
Rutherford High SchoolGrades 6-1217.8 mi

Construction

Condition

  • Property condition: Construction Complete
  • Year built: 2025

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Metal
  • Construction materials: Concrete,HardiPlank Type

Type & Style

  • Home type: SingleFamily
  • Architectural style: Custom,Other
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Cooktop,Dishwasher,Disposal,Exhaust Fan,Freezer,Microwave
  • Laundry features: Washer/Dryer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 7
  • Bathrooms: 7
  • Full bathrooms: 6
  • 1/2 bathrooms: 1

Features

  • Breakfast Bar,Elevator,Kitchen Island,Newly Painted,Pantry,Shelving,Woodwork Stained
  • Window features: Window Treatments

Interior Area

  • Total structure area: 5,837
  • Total interior livable area: 4,141 sqft

Property

Details

  • Parcel number: 04102300260
  • Zoning description: Residential Single Family

Features

  • Levels: 2
  • Stories: 2
  • Pool features: In Ground
  • Has water view: Yes
  • Water view: Gulf,Water
  • On waterfront: Yes
  • Waterfront features: Gulf
  • Frontage length: 62

Lot

  • Lot size: 1.10 Acres
  • Features: Within 1/2 Mile of Water
  • Lot size dimensions: Irregular

Parking

  • Total spaces: 5
  • Parking features: Driveway
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Coastal Flooding
Lightning
Tsunami

FEMA Declared Disasters in Bay County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $19,513$234,156
Home Insurance *$1,718$20,616
Property Taxes $2,581$30,972
Electricity $416$5,000
Total$24,228$290,736
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$830,674/yr
40% on housing$726,840/yr
45% on housing$646,080/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 13.3%
13.3%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 6.0%
6.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$932This listing

vs Other Active Listings

Avg $/sqft

ZIP 32456$372
Bay County$240

vs Homes Sold Last Month

Median $/sqft

ZIP 32456
Bay County$205

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-02-18Listed for sale$3,859,000
2018-05-25Sold$550,000

For Sale by Agent

AgentZach Ferrell
BrokerageNAI Talcor - PSJ

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