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563 Secluded Dunes Dr, Port Saint Joe, FL, 32456

5beds
5baths
4,517sqft
$2,650,000
$587price/sqft
$17,477/moest. monthly cost
$699,080/yrincome needed

About This Home

“Icing on the Cape” is an exceptional luxury retreat on North Cape San Blas where refined coastal design meets impressive rental performance. This beautifully curated 5-bedroom, 4.5-bath residence has established itself as a strong income-producing property, with the entire peak summer season already reserved and continued booking momentum into the late-summer and fall travel periods. Its consistent occupancy & repeat guest appeal reflect the home's desirability & strong GRI history. Just steps from the boardwalk leading to the wide, uncrowded beaches of North Cape, this home was masterfully designed for both elevated entertaining and relaxed coastal living. Elevator access services all levels, while multiple gathering spaces allow guests to spread out comfortably. The first level features a golf simulator & game room, along with a full-size refrigerator/freezer—ideal for hosting larger groups. The second floor offers two ensuite primary suites with Gulf-facing porch access, a king guest room, and a bunk room with shared bath, plus an additional lounge area with beverage station. The top floor captures sweeping views of the Gulf, Bay, & State Park. A stunning great room anchored by an 85” TV and sleek electric fireplace flows seamlessly into a chef-inspired kitchen with a 12-foot island featuring pop-up power & charging ports, a gas range with custom hood, & an impressive dining space. A private king suite with an ensuite bath & a screened porch completes this level. Outside, a resort-style pool with tanning ledge, covered seating area, gas grill, prep sink, & outdoor shower creates a private oasis. Covered parking for 4 vehicles, plus additional uncovered parking for up to 10 more vehicles, and dedicated boat parking, ensures plenty of space for guests and coastal gear. With panoramic views, luxury finishes, direct beach access, & proven strong occupancy, “Icing on the Cape” offers an exceptional blend of coastal living & impressive income potential.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

4/10
4/10
Port St. Joe High SchoolGrades 7-127.0 mi

Construction

Condition

  • Property condition: Construction Complete
  • Year built: 2024

Materials

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

Other

  • Builder name: F&B Builders, Inc

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Range Hood,Refrigerator w/Ice Maker,See Remarks,Wine Refrigerator
  • Laundry features: Washer/Dryer Hookup

Bedrooms & Bathrooms

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

Features

  • Breakfast Bar,Elevator,Kitchen Island,Newly Painted,See Remarks,Split Bedroom,Wet Bar
  • Window features: Window Treatments
  • Flooring: Vinyl
  • Fireplace: Yes

Heating

  • Heating features: Fireplace(s)

Interior Area

  • Total structure area: 5,095
  • Total interior livable area: 4,517 sqft

Master Bathroom

  • Features: Double Vanity

Master Bedroom

  • Features: See Remarks

Property

Details

  • Parcel number: 06345620R
  • Zoning description: County,Residential Single Family
  • Special condition: As Is
  • Exclusions: See Exclusion List

Features

  • Levels: 2
  • Stories: 3
  • Pool features: Fiberglass,In Ground,Salt Water,See Remarks
  • Patio & porch: Covered Patio,Front Porch
  • Exterior features: Barbecue,See Remarks,Outdoor Shower,Balcony
  • Fencing: Other,See Remarks
  • Has water view: Yes
  • Water view: 1st Tier Gulf,Bay,Gulf,Water

Lot

  • Lot size: 0.41 Acres
  • Features: Aerials/Topo Available,Cleared,Dedicated Beach,Flood Insurance Required,Subdivided,See Remarks,Survey Available,Within 1/2 Mile of Water
  • Lot size dimensions: Irregular

Parking

  • Total spaces: 14
  • Parking features: Driveway,Oversized,Under House With Pad
  • 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
    HurricaneVery High
  • Lightning
    LightningVery High
  • Coastal Flooding
    Coastal FloodingRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Coastal Flooding
Cold Wave
Inland Flooding
Strong Wind
Tornado
Wildfire
Tsunami

FEMA Declared Disasters in Gulf 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 $13,399$160,788
Home Insurance *$1,163$13,956
Property Taxes $2,461$29,532
Electricity $454$5,454
Total$17,477$209,724
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$599,211/yr
40% on housing$524,310/yr
45% on housing$466,053/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: 12.2%
12.2%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 14.7%
14.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$587This listing

vs Other Active Listings

Avg $/sqft

ZIP 32456$376
Gulf County$298

vs Homes Sold Last Month

Median $/sqft

ZIP 32456
Gulf County$240

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
2026-03-03Listed for sale$2,798,500
2026-02-05Listing removed$2,798,500
2025-07-01Listed for sale$2,798,500
2025-07-01Listing removed$2,798,500
2025-02-19Price change$2,798,500
2024-12-05Listed for sale$2,998,500
2024-09-17Listing removed$3,298,500
2024-08-28Price change$3,298,500
2024-06-05Listed for sale$3,700,000
2021-06-08Sold$383,000
2003-06-25Sold$285,000

For Sale by Agent

AgentLisa Forehand
BrokerageBeach Properties Real Estate Group

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