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205 Sugar Sand E, Mexico Beach, FL, 32456

5beds
5baths
3,477sqft
$2,490,999
$716price/sqft
$16,483/moest. monthly cost
$659,320/yrincome needed

About This Home

Introducing a striking four-level coastal haven that rises above Sugar Sand's quiet shoreline with style, comfort, and rare panoramic gulf views. Thoughtfully crafted in 2025 and fully furnished for an effortless arrival, this 3,477-sq.-ft. residence pairs modern architecture with refined coastal design to create an elevated retreat only steps from the beach. Set on an X-flood-zone homesite with impressive third-tier gulf vistas, the home offers a layout designed for both privacy and connection. Multiple king suites span the second and third floors, each with walk-in closets, custom shelving, and serene ensuite baths. A bunk room on the upper level adds family-friendly flexibility, while a private elevator glides between all four floors for seamless movement. The main living level is airy and inviting, wrapped in soft coastal tones and anchored by an open chef's kitchen with quartz surfaces, a generous island, premium appliances, and abundant storage. Recessed lighting, crown molding, intentional detailing, and curated furnishings elevate every space, creating a refined atmosphere suited for extended stays or high-demand rental appeal. At the top of the home, a coveted fourth-story viewing balcony delivers an unforgettable vantage point where sweeping gulf horizons and postcard sunsets feel close enough to touch. Morning coffee and evening wine both find their perfect moment here. An expansive driveway and covered parking accommodate six or more vehicles, offering a rare level of convenience for beach living. Outside, the gated Sugar Sand community enhances the experience with quiet streets, deeded beach access points, and anticipated resort-style amenities, including a gulf-front clubhouse with pool and fitness center, boutique shopping, dining, and landscaped common areas. Steps from the uncrowded shoreline of Mexico Beach and designed for comfort, longevity, and turnkey enjoyment, this remarkable coastal residence presents a rare chance to own a brand-new, fully furnished luxury home in one of the Forgotten Coast's most desirable settings.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

8/10
Tyndall Elementary SchoolGrades PK-813.1 mi
2/10
Rutherford High SchoolGrades 6-1217.6 mi

Construction

Condition

  • Property condition: Construction Complete
  • Year built: 2025

Materials

  • Roof: Metal

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Microwave,Washer

Bedroom

  • Level: Second
  • Area: 100
  • Dimensions: 10 x 10

Bedroom

  • Level: Second
  • Area: 100
  • Dimensions: 10 x 10

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1

Dining Area

  • Level: Third
  • Area: 150
  • Dimensions: 15 x 10

Features

  • Kitchen Island,Elevator
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

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

Interior Area

  • Total structure area: 3,477
  • Total interior livable area: 3,477 sqft

Kitchen

  • Level: Second
  • Area: 300
  • Dimensions: 20 x 15

Laundry

  • Level: Second
  • Area: 100
  • Dimensions: 10 x 10

Living Room

  • Level: Second
  • Area: 400
  • Dimensions: 20 x 20

Other

  • Level: Third
  • Area: 250
  • Dimensions: 25 x 10

Property

Details

  • Parcel number: 04102300020
  • Zoning description: Resid Single Family

Features

  • Stories: 3
  • Exterior features: Balcony
  • Has view: Yes
  • View description: Gulf
  • Has water view: Yes
  • Water view: Gulf
  • On waterfront: Yes

Lot

  • Lot size: 8,800 sqft
  • Lot size dimensions: 80 x 110

Parking

  • Parking features: Other,Carport,See Remarks
  • Carport: 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 $12,595$151,140
Home Insurance *$1,109$13,308
Property Taxes $2,430$29,160
Electricity $349$4,199
Total$16,483$197,796
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$565,131/yr
40% on housing$494,490/yr
45% on housing$439,546/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

$716This 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
2026-04-17Price change$2,495,999
2026-01-09Price change$2,540,000
2025-12-04Listed for sale$2,550,000
2025-12-04Listing removed$2,550,000
2025-06-25Listed for sale$2,550,000
2020-12-27Listing removed--
2020-07-06Listed for sale$145,000

For Sale by Agent

AgentArouny A Phathanak
BrokerageScenic Sotheby's International Realty

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