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221 Dunes Dr, Mexico Beach, FL, 32456

5beds
6baths
3,762sqft
$2,390,000
$635price/sqft
$15,071/moest. monthly cost
$602,840/yrincome needed

About This Home

STRIKING 1ST TIER COASTAL RETREAT! Perfectly positioned in the heart of the gated Sugar Sands community, this new 5-bedroom, 5.5-bath home delivers resort-style amenities, sweeping Gulf views & thoughtfully designed spaces ideal for family gatherings or exceptional rental income potential. The ground level welcomes you with a covered entrance, inviting foyer, dual garages perfect for vehicles or golf carts, outdoor shower, half bath & elevator access to all levels. The heart of the home awaits on the second floor with an open-concept living area featuring expansive seating, built-in storage, & broad decks that extend your living space outdoors. Panoramic views of the coastline set the backdrop for entertaining, while the chef's kitchen boasts top-of-the-line stainless appliances, a 4-burner gas range with griddle, oversized island with seating, butler's pantry, & coffee bar. A full dining area & breakfast bar offer plenty of room for casual meals or elegant dinners. The layout is designed for privacy & flexibility. On the first floor, two luxurious king suites feature private deck access & spa-style baths with double vanities & zero-entry showers. Two additional queen bedrooms with private balconies & a shared bath provide comfortable accommodations for guests. The bunk room keeps family close by while giving kids their own retreat. The loft lounge on the top floor is the ultimate sunset perch, overlooking miles of uncrowded beaches protected by nearby Tyndall AFB—ensuring endless privacy & unspoiled Gulf views. The spacious yard includes irrigation, gravel patio, & room to add a pool, making outdoor entertaining easy. Community amenities feature a resort-style pool, fitness center, clubhouse, & private golf cart beach access just steps away. Offered fully furnished & turnkey, this home is ready for immediate enjoyment or strong rental performance. Call today for your private tour & LIVE THE BEACH LIFE!

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 6-1217.7 mi

Construction

Condition

  • Year built: 2024

Materials

  • Foundation: Pillar/Post/Pier,Slab

Type & Style

  • Home type: SingleFamily
  • Architectural style: Coastal
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Gas Cooktop,Gas Oven,Tankless Water Heater

Bedroom

  • Level: Third
  • Dimensions: 11 x 12

Bedroom

  • Level: Second
  • Dimensions: 14 x 16

Bedroom

  • Level: Second
  • Dimensions: 14 x 12

Bedroom

  • Level: Second
  • Dimensions: 12 x 13

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 6
  • Full bathrooms: 5
  • 1/2 bathrooms: 1

Features

  • Interior Steps,Loft,Pantry

Half Bath

  • Level: First
  • Dimensions: 5 x 5

Heating & Cooling

  • Heating features: Central,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,762
  • Total interior livable area: 3,762 sqft

Kitchen

  • Level: Third
  • Dimensions: 15 x 21

Living Room

  • Level: Third
  • Dimensions: 20 x 14

Loft

  • Level: Fourth
  • Dimensions: 21 x 9

Master Bathroom

  • Level: Second
  • Dimensions: 14 x 6

Master Bedroom

  • Level: Second
  • Dimensions: 14 x 16

Other

  • Level: Third
  • Dimensions: 6 x 8

Other

  • Level: Second
  • Dimensions: 14 x 5

Other

  • Level: Second
  • Dimensions: 12 x 5

Pantry

  • Level: Third
  • Dimensions: 8 x 11

Property

Details

  • Parcel number: 04102300220
  • Zoning description: Resid Single Family

Features

  • Stories: 4
  • Pool features: In Ground,Community
  • Patio & porch: Covered,Porch
  • Has view: Yes
  • View description: Gulf
  • Has water view: Yes
  • Water view: Gulf

Lot

  • Lot size: 8,712 sqft
  • Features: Paved
  • Lot size dimensions: 80 x 110

Parking

  • Total spaces: 2
  • Parking features: Garage,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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 $12,085$145,020
Home Insurance *$1,064$12,768
Property Taxes $1,544$18,528
Electricity $378$4,543
Total$15,071$180,852
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$516,720/yr
40% on housing$452,130/yr
45% on housing$401,893/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

$635This listing

vs Other Active Listings

Avg $/sqft

ZIP 32456$376
Bay County$241

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
2026-01-19Price change$2,390,000
2025-09-06Listed for sale$2,700,000
2022-01-31Sold$480,000
2021-12-31Contingent$495,000
2021-12-15Price change$495,000
2021-11-15Listed for sale$550,000
2021-04-23Sold$360,000
2020-08-24Listed for sale$369,000
2018-04-18Sold$360,000

For Sale by Agent

AgentKaye Haddock
BrokerageBeach Properties Real Estate

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