$3,190,000

93 Emerald Cove Ln N Inlet Beach, FL 32461

Estimated payment $18,962/month

Total Views 59,635
5 Beds
3.5 Baths
2,794 Sq Ft
$1,142 Price per Sq Ft

Highlights

  • Beach
  • Deeded access to the beach
  • Beach House
  • Dune Lakes Elementary School Rated A-
  • Gulf View
  • Furnished

About This Home

FABULOUS OCEAN VIEW! 175 FEET OF PRISTINE BEACHFRONT SHARED BY ONLY 14 HOMEOWNERS — NO CUSTOMARY USE ISSUES! This rare opportunity awaits at 93 Emerald Cove Lane, an exclusive coastal retreat in Inlet Beach with direct gated, deeded private beach access just one tier off the Gulf. Tucked inside a boutique HOA south of Highway 98/30A and less than a mile to Rosemary Beach (via convenient back roads), this 5-bedroom, 3.5-bath home blends luxury, strength, and effortless beachside living. On the first floor, you'll immediately feel at home with light gray wood-tile flooring, soft blue shiplap accents, and an elevator that travels to all levels. This floor also includes a spacious guest suite with a fully remodeled bath featuring quartz countertops and custom tilework. The shiplap continues up the stairways to the second floor, home to three bedrooms including the true master retreat with a private lookout balcony and pristine Gulf views. The master showcases a wood accent wall, a Pecky Cypress barn door, a spa-like bath, and a fully built-out walk-in closet. Another full bath on this level continues the elegant coastal palette of blues, whites, and grays. On the third floor, a light-filled open living space seamlessly connects the kitchen, dining, and living areas. Enjoy a gas fireplace, a cozy sitting room with French doors, and a redesigned chef's kitchen with stainless steel appliances. Step outside to the expansive balcony, perfectly positioned for breathtaking Gulf sunsets. This level also features an additional guest bedroom. Forever-protected Gulf views stretch west over the state preserve, while the community pool is just steps away and rarely crowded. Built with ICF construction, this home is up to 10 times stronger and significantly more energy efficient than traditional builds. Additional upgrades include a backyard fenced patio, driveway pavers, and a refinished oversized garage with parking for 3-4 cars plus space for 3 more outside. Ideally located in Inlet Beach, just east of Rosemary Beach and minutes from the boutiques and dining of 30 Avenue, this immaculate home is in like-new condition and would make a perfect full-time residence, second home, or investment property. Don't miss this rare chance to experience the very best of coastal luxury living along 30A.

Listing Agent

Paige Peterson

Compass License #3261847 Listed on: 09/05/2025

Compass

Co-Listing Agent

Jennifer Bond

Compass License #3474818

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $24,781

Year Built

  • Built in 2013

Lot Details

  • 3,485 Sq Ft Lot
  • Lot Dimensions are 40x93
  • Partially Fenced Property
  • Privacy Fence
  • Sprinkler System

HOA Fees

  • $117 Monthly HOA Fees

Parking

  • 3 Car Attached Garage
  • Automatic Garage Door Opener

Home Design

  • Beach House
  • Slab Foundation
  • Metal Roof
  • Stucco

Interior Spaces

  • 2,794 Sq Ft Home
  • 3-Story Property
  • Elevator
  • Wet Bar
  • Furnished
  • Crown Molding
  • Ceiling Fan
  • Recessed Lighting
  • Gas Fireplace
  • Window Treatments
  • Family Room
  • Sitting Room
  • Dining Room
  • Vinyl Flooring
  • Gulf Views
  • Fire and Smoke Detector

Kitchen

  • Gas Oven or Range
  • Self-Cleaning Oven
  • Cooktop
  • Microwave
  • Freezer
  • Ice Maker
  • Dishwasher
  • Wine Refrigerator
  • Kitchen Island
  • Disposal

Bedrooms and Bathrooms

  • 5 Bedrooms
  • En-Suite Primary Bedroom
  • Dressing Area
  • Dual Vanity Sinks in Primary Bathroom
  • Shower Only
  • Primary Bathroom includes a Walk-In Shower

Laundry

  • Dryer
  • Washer

Outdoor Features

  • Outdoor Shower
  • Deeded access to the beach
  • Balcony
  • Covered Patio or Porch

Schools

  • Dune Lakes Elementary School
  • Emerald Coast Middle School
  • South Walton High School

Utilities

  • High Efficiency Air Conditioning
  • High Efficiency Heating System
  • Electric Water Heater
  • Cable TV Available

Listing and Financial Details

  • Assessor Parcel Number 36-3S-18-16150-000-0080

Community Details

Overview

  • Association fees include accounting, management, master
  • Cottages At Inlet Beach Subdivision
  • The community has rules related to covenants

Recreation

  • Beach
  • Community Pool

Home Details

Home Type

Single Family

Est. Annual Taxes

$24,781

Year Built

Built in 2013

Lot Details

0

HOA Fees

$117 per month

Parking

3

Listing Details

  • Property Sub Type: Detached Single Family
  • Prop. Type: Residential
  • Lot Size Acres: 0.08
  • Lot Size: 40x93
  • Road Frontage Type: City Street
  • Road Surface Type: Paved
  • Co List Office Mls Id: ECF1
  • Co List Office Phone: 850-296-9769
  • Subdivision Name: COTTAGES AT INLET BEACH
  • Directions: Traveling East from Rosemary Beach on 30A: Turn right onto US-98 E, turn right onto S Walton Lakeshore Dr, turn right onto Emerald Cove Ln S. Destination will be on the right. Traveling West on Highway 98 from Panama City Beach: Turn right onto US-98 W, turn left onto S Walton Lakeshore Dr, turn right onto Emerald Cove Ln S. Destination will be on the right.
  • Architectural Style: Beach House
  • Carport Y N: No
  • New Construction: No
  • Building Stories: 3
  • Year Built: 2013
  • Remarks Misc:Remarks: FABULOUS OCEAN VIEW! 175 FEET OF PRISTINE BEACHFRONT SHARED BY ONLY 14 HOMEOWNERS — NO CUSTOMARY USE ISSUES! This rare opportunity awaits at 93 Emerald Cove Lane, an exclusive coastal retreat in Inlet Beach with direct gated, deeded private beach access just one tier off the Gulf. Tucked inside a boutique HOA south of Highway 98/30A and less than a mile to Rosemary Beach (via convenient back roads), this 5-bedroom, 3.5-bath home blends luxury, strength, and effortless beachside living. On the first floor, you'll immediately feel at home with light gray wood-tile flooring, soft blue shiplap accents, and an elevator that travels to all levels. This floor also includes a spacious guest suite with a fully remodeled bath featuring quartz countertops and custom tilework. The shiplap continues
  • Utilities Electric: Yes
  • Utilities:Public Sewer: Yes
  • Utilities:Public Water: Yes
  • Appliances Dryer: Yes
  • Appliances Refrigerators: Yes
  • Energy:Water Heater - Elect: Yes
  • Waterview:Gulf2: Yes
  • Energy:Heat High Efficiency: Yes
  • Rooms:Dining Room: Yes
  • Appliances Microwave: Yes
  • Washers: Yes
  • Energy:AC - High Efficiency: Yes
  • Energy:Ceiling Fans: Yes
  • Rooms:Sitting Room: Yes
  • Utilities:Gas - Natural: Yes
  • Rooms:Family Room: Yes
  • Special Features: VirtualTour
  • Stories: 3

Interior Features

  • Furnished: Furnished - All
  • Appliances: Auto Garage Door Opn, Cooktop, Dishwasher, Disposal, Dryer, Freezer, Microwave, Oven Self Cleaning, Refrigerator, Refrigerator W/IceMk, Smoke Detector, Stove/Oven Gas, Washer, Wine Refrigerator, Water Heater - Elect
  • Full Bathrooms: 3
  • Half Bathrooms: 1
  • Total Bedrooms: 5
  • Fireplace Features: Fireplace Gas
  • Fireplace: Yes
  • Flooring: Floor Vinyl
  • Interior Amenities: Ceiling Crwn Molding, Elevator, Kitchen Island, Lighting Recessed, Owner's Closet, Washer/Dryer Hookup, Wet Bar
  • Window Features: Window Treatment All
  • Interior:WasherDryer Hookup: Yes
  • Appliances:Cooktop: Yes
  • Mstr BdrmMstr Bath:MBath Shower Only: Yes
  • Appliances Dishwasher: Yes
  • Appliances:Smoke Detector: Yes
  • Interior:Elevator: Yes
  • Appliances:Oven Self Cleaning: Yes
  • Appliances:Refrigerator WIceMk: Yes
  • Interior:Floor Vinyl: Yes
  • Mstr BdrmMstr Bath:MBath Double Vanity: Yes
  • Interior:Furnished - All: Yes
  • Appliances:Freezer: Yes
  • Interior:Ceiling Crwn Molding: Yes
  • Interior:Lighting Recessed: Yes
  • Appliances:StoveOven Gas: Yes
  • Interior:Window Treatment All: Yes
  • Interior:Kitchen Island: Yes
  • Mstr BdrmMstr Bath:MBath Dressing Area: Yes
  • Appliances:Wine Refrigerator: Yes
  • Interior:Fireplace Gas: Yes
  • Interior:Wet Bar: Yes

Exterior Features

  • Fencing: Fenced Lot-Part, Fenced Privacy
  • Lot Features: Covenants, Within 1/2 Mile to Water
  • Pool Features: Pool Type
  • View: Gulf
  • Construction Type: Stucco
  • Exterior Features: Balcony, Shower, Sprinkler System
  • Foundation Details: Slab
  • Patio And Porch Features: Patio Covered, Patio Open
  • Property Condition: Renovated, Construction Complete
  • Lot Features:Within 12 Mile to Water: Yes
  • Construction Status:Construction Complete: Yes
  • ConstructionSiding:Slab: Yes
  • Exterior:Fenced Lot-Part: Yes
  • Lot Features:Covenants: Yes
  • ConstructionSiding:Roof Metal: Yes
  • ConstructionSiding:Stucco: Yes
  • Exterior:Balcony: Yes
  • Exterior:Patio Open: Yes
  • Exterior:Patio Covered: Yes
  • Exterior:Shower: Yes
  • Exterior:Sprinkler System: Yes
  • Exterior:Fenced Privacy: Yes

Garage/Parking

  • Attached Garage: Yes
  • Garage Spaces: 3.0
  • Parking Features: Garage, Oversized
  • General Property Info:Garage2: Yes
  • Parking Features:Garage Attached: Yes
  • Appliances:Auto Garage Door Opn: Yes
  • Rooms:Garage5: Yes
  • Parking Features:Garage3: Yes
  • Parking Features:Oversized: Yes

Utilities

  • Cooling: Ceiling Fans
  • Cooling Y N: Yes
  • Sewer: Public Sewer
  • Utilities: Electric, Gas - Natural, Public Water, TV Cable
  • Utility: Yes

Condo/Co-op/Association

  • Community Features: Beach, Deed Access, Pool
  • Association #2 Fee: 1400.0
  • Association Fee Frequency: Annually
  • Association: Yes

Association/Amenities

  • Fees Include:Master Association: Yes

Fee Information

  • Association Fee Includes: Accounting, Management, Master Association

Schools

  • Elementary School: Dune Lakes
  • High School: South Walton
  • Middle Or Junior School: Emerald Coast

Lot Info

  • Lot Size Sq Ft: 3484.8
  • Parcel #: 36-3S-18-16150-000-0080
  • Zoning: Resid Single Family

Tax Info

  • Tax Annual Amount: 24781.37
  • Tax Year: 2024

Matterport 3D Tour

Floorplans

Map

Range of Values:

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Value Increase
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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $24,258 $2,684,669 $1,325,147 $1,359,522
2024 $24,577 $2,713,002 $1,325,147 $1,387,855
2023 $24,577 $2,697,617 $0 $0
2022 $22,727 $2,452,379 $1,221,396 $1,230,983
2021 $13,668 $1,411,983 $624,558 $787,425
2020 $13,268 $1,329,137 $571,392 $757,745
2019 $4,464 $486,849 $0 $0
2018 $4,392 $477,771 $0 $0
2017 $4,270 $467,944 $0 $0
2016 $4,216 $458,319 $0 $0
2015 $4,252 $455,133 $0 $0
2014 $4,277 $451,521 $0 $0
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft
11/13/2025 11/13/25 Price Changed $3,190,000 -3.0% $1,142 / Sq Ft
09/05/2025 09/05/25 For Sale $3,290,000 -- $1,178 / Sq Ft
Source: Emerald Coast Association of REALTORS®

Purchase History

Date Type Sale Price Title Company
Warranty Deed $2,200,000 Aqua Title Services
Warranty Deed $2,200,000 Aqua Title Services
Warranty Deed $1,250,000 Attorney
Warranty Deed $1,250,000 Attorney
Special Warranty Deed $850,000 --
Special Warranty Deed $850,000 --
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $1,760,000 New Conventional
Source: Public Records

About the Listing Agent

Paige Peterson

Compass

(448) 334-6840

Section Image

Paige's love of real estate can be traced back to drawings she made, as an eight-year-old, of floor plans for her dream house. She is now a mother of four and has been down many roads since then.
A few examples include being the personal assistant and bookkeeper, aka. "The one who does everything", for a high end real estate investor and hotel entrepreneur on the West Coast, her experience as the "Product Research and Resource Administrator"/"Customer Service Department Administrator" for a

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Source: Emerald Coast Association of REALTORS®

MLS Number: 984728

Emerald Coast Association of REALTORS®

APN: 36-3S-18-16150-000-0080