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229 Dunes Dr, Mexico Beach, FL, 32456

6beds
8baths
6,067sqft
$4,295,000
$708price/sqft
$27,793/moest. monthly cost
$1,111,720/yrincome needed

About This Home

This is one of the most thoughtfully designed and impressive homes in Sugar Sand, and a true standout along the Mexico Beach/Forgotten Coast. Built as a personal, full-time residence, the owners invested heavily in quality, detail, and timeless design, creating a home that is both refined and functional. Located on the first tier at the far east end of the subdivision, this X-Flood property offers unobstructed Gulf-front views. The home features approximately 6,100 square feet of conditioned space and nearly 9,600 square feet total, including the garage and expansive outdoor living areas. The layout includes five bedrooms plus a large bunk room, with every sleeping area offering a private en-suite bath. Two additional half baths serve the main living spaces. The home also offers two generously sized family rooms and a den/office on the main living level, providing flexibility for both everyday living and entertaining. The property is exceptionally well-appointed, with features too numerous to list in full (a detailed feature sheet is available upon request). Highlights include an elevated heated and cooled pool with a 12-person infinity-edge hot tub, 4 Stop Elevator, a Quad Plus golf simulator, Thermador appliances throughout, a fully equipped butler's pantry, whole-home water filtration, kitchen reverse-osmosis system, full smart-home integration with Control4, and top-tier landscape package. This is a rare, one-of-a-kind home that truly must be experienced in person to appreciate the level of craftsmanship and attention to detail. Schedule your private showing today.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

8/10
Tyndall Elementary SchoolGrades PK-813.3 mi
2/10
Rutherford High SchoolGrades 6-1217.8 mi

Construction

Condition

  • Property condition: Construction Complete
  • Year built: 2025

Materials

  • Foundation: Pilings
  • Roof: Metal,See Remarks
  • Construction materials: HardiPlank Type

Type & Style

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

Interior

Appliances

  • Appliances included: Cooktop Jennaire,Dishwasher,Disposal,Exhaust Fan,Microwave,Range Hood,Refrigerator,R.O. System,Water Filtration System,Water Purifier,Water Softener,Wine Refrigerator
  • Laundry features: Washer/Dryer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 8
  • Full bathrooms: 6
  • 1/2 bathrooms: 2

Features

  • Breakfast Bar,Elevator,Kitchen Island,Pantry,Wet Bar,Open Floorplan
  • Window features: Window Treatments
  • Fireplace: Yes

Heating

  • Heating features: Fireplace(s)

Interior Area

  • Total structure area: 9,587
  • Total interior livable area: 6,067 sqft

Property

Details

  • Parcel number: 04102300240
  • Zoning description: Residential Single Family

Features

  • Levels: 2
  • Stories: 2
  • Pool features: Above Ground,Heated,See Remarks
  • Has water view: Yes
  • Water view: Bay,Gulf,Water

Lot

  • Lot size: 0.27 Acres
  • Features: Covenants/Restrictions,Curb and Gutters,No Mineral Rights,Subdivided,See Remarks,Sidewalks,Storm Sewer,Within 1/2 Mile of Water
  • Lot size dimensions: irregular

Parking

  • Total spaces: 7
  • Parking features: Covered,Driveway,Garage Attached
  • Has garage: Yes
  • 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 $21,717$260,604
Home Insurance *$1,912$22,944
Property Taxes $3,554$42,648
Electricity $610$7,326
Total$27,793$333,516
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$952,902/yr
40% on housing$833,790/yr
45% on housing$741,146/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

$708This listing

vs Other Active Listings

Avg $/sqft

ZIP 32456$375
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
2026-05-06Price change$4,295,000
2026-04-12Price change$4,850,000
2026-03-05Listed for sale$4,950,000
2023-04-08Listing removed--
2023-01-08Listed for sale$360,000

For Sale by Agent

AgentZach Ferrell
BrokerageNAI Talcor - PSJ

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