55 Secret Harbor Dr, Miramar Beach, FL, 32550
About This Home
This well-appointed four-bedroom, two-bath home offers 1,919 square feet of comfortable coastal living in the desirable Paradise Retreat neighborhood of Miramar Beach, complete with 320 feet of private deeded beach access. Also golf cart friendly neighborhood. Whether used as a primary residence, second home, or income-producing property, the layout and location provide exceptional versatility. Inside, the open living spaces feature travertine flooring, upgraded recessed lighting, and stainless steel appliances, creating a bright and functional environment for everyday living and entertaining. The home flows seamlessly to a private outdoor area where a six-person hot tub is nestled within a naturally landscaped setting, offering a relaxing retreat after a day at the beach. Recent improvements include a new roof in 2024, fresh exterior paint and landscaping, and previously updated HVAC and gas water heater, adding long-term value and peace of mind. The property has a proven vacation rental history while still maintaining the feel of a comfortable coastal home. Offered furnished with flexible options for partial or unfurnished arrangements, this Miramar Beach property presents an excellent opportunity to enjoy beachside living with strong long-term appeal in a well-established neighborhood.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Construction Complete
- Year built: 2004
Materials
- Foundation: Slab
- Roof: Composition
- Construction materials: Brick,Trim Vinyl
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Cooktop,Dishwasher,Disposal,Dryer,Microwave,Washer,Gas Water Heater
- Laundry features: Washer/Dryer Hookup
Bedroom
- Level: First
- Area: 132
- Dimensions: 12 x 11
Bedroom
- Level: First
- Area: 120
- Dimensions: 12 x 10
Bedroom
- Level: First
- Area: 121
- Dimensions: 11 x 11
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 2
- Full bathrooms: 2
Dining Area
- Level: First
- Area: 132
- Dimensions: 12 x 11
Features
- Breakfast Bar,Cathedral Ceiling(s),Vaulted Ceiling(s),Recessed Lighting,Owner's Closet
- Flooring: Tile,Vinyl
- Common walls with other units/homes: No Common Walls
Heating & Cooling
- Heating features: Central,Natural Gas
- Cooling features: Central Air,Ceiling Fan(s)
Interior Area
- Total structure area: 1,919
- Total interior livable area: 1,919 sqft
Living Room
- Level: First
- Area: 400
- Dimensions: 25 x 16
Master Bedroom
- Level: First
- Area: 208
- Dimensions: 16 x 13
Property
Details
- Parcel number: 302S214279000C0380
- Zoning description: Resid Single Family
Features
- Stories: 1
- Patio & porch: Patio
- Exterior features: Sprinkler System
- Has spa: Yes
- Spa features: Heated
Lot
- Lot size: 5,662 sqft
- Lot size dimensions: 110 x 50
Parking
- Total spaces: 2
- Parking features: Garage Door Opener,Garage
- 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
- Lightning
- Tornado
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Walton County and Florida
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $4,343 | $52,116 |
| Home Insurance * | $1,094 | $13,128 |
| Property Taxes | $659 | $7,908 |
| Electricity | $197 | $2,366 |
| Total | $6,293 | $75,516 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-08 | Price change | $879,000 |
| 2026-03-24 | Price change | $889,000 |
| 2026-01-27 | Listed for sale | $899,000 |
| 2024-08-30 | Sold | $805,000 |
| 2024-07-22 | Pending sale | $815,000 |
| 2024-07-21 | Listed for sale | $815,000 |
| 2024-07-12 | Listing removed | -- |
| 2024-06-14 | Price change | $820,000 |
| 2024-05-18 | Listed for sale | $840,000 |
| 2016-12-16 | Sold | $325,000 |
| 2016-10-20 | Price change | $334,900 |
| 2016-10-06 | Price change | $339,900 |
| 2016-09-04 | Listed for sale | $349,900 |
| 2004-07-15 | Sold | $233,400 |
View on Zillow