This charming single-level coastal cottage captures the essence of laid-back beach living, offering 3 bedrooms and 2.5 bathrooms with ample space to comfortably host family and guests. The primary suite is a private retreat featuring a king-size bed, en suite bath, and direct access to the back porch—perfect for enjoying gentle coastal breezes and quiet mornings. A second bedroom offers a queen bed, while the third bedroom includes two sets of bunk beds, creating a layout well suited for families and visiting guests. The open-concept living, kitchen, and dining area provides an inviting gathering space after a day on the sand, designed for relaxed entertaining and effortless coastal living. Outdoor living areas further enhance both enjoyment and guest appeal, including a wraparound porch with seating and dining areas, a screened-in porch with exterior access, a fire pit surrounded by Adirondack chairs for evenings under the stars, and a convenient outdoor shower for easy beach days. Located in the Piney Woods Beach Subdivision, the home offers neighborhood beach access and is just steps from the community pool. With its refined design, desirable outdoor amenities, and prime coastal setting, this property is well suited as a primary residence, an upscale second home, or a high-demand vacation rental opportunity.
For sale
$615,000
120 McCosh Mill Rd, Port Saint Joe, FL 32456
3beds
1,224sqft
Est.:
Single Family Residence
Built in 2015
6,969.6 Square Feet Lot
$589,800 Zestimate®
$502/sqft
$63/mo HOA
What's special
Convenient outdoor showerEn suite bathKing-size bedInviting gathering space
- 21 days |
- 1,405 |
- 48 |
Zillow last checked: 8 hours ago
Listing updated: January 10, 2026 at 07:41am
Listed by:
Michelle Massingill 404-931-7129,
Going Coastal
Source: Forgotten Coast Realtor Association,MLS#: 324955
Tour with a local agent
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Primary bedroom
- Features: Blinds, Carpeted, Master Downstairs
Heating
- Central Electric
Cooling
- Central Electric
Appliances
- Included: Dryer, Washer, Dishwasher, Microwave, Refrigerator, Electric Oven, Electric Water Heater
- Laundry: Washer/Dryer Hookup
Features
- Breakfast Bar, Recessed Lighting, Lock Out Closet, Open Floorplan, Ceiling Fan(s)
- Flooring: Carpet, Hardwood
- Has fireplace: No
- Furnished: Yes
Interior area
- Total structure area: 1,780
- Total interior livable area: 1,224 sqft
Video & virtual tour
Property
Parking
- Total spaces: 4
- Parking features: Assigned, Driveway
- Has uncovered spaces: Yes
Features
- Patio & porch: Rear Porch, Covered Porch, Front Porch, Porch, Wrap Around
- Exterior features: Barbecue
- Pool features: In Ground
Lot
- Size: 6,969.6 Square Feet
- Dimensions: 53 x 135
- Features: Dedicated Beach, Deeded Water Access, Flood Insurance Required, Within 1/2 Mile of Water
Details
- Parcel number: 06297159R
- Zoning description: Residential Single Family
- Special conditions: As Is
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Beach House,Florida,Florida Cottage
- Property subtype: Single Family Residence
Materials
- Frame, Vinyl Siding
- Foundation: Pillar/Post/Pier
- Roof: Metal
Condition
- Construction Complete
- Year built: 2015
- Major remodel year: 2018
Utilities & green energy
- Sewer: Public Sewer
- Water: Public
- Utilities for property: Cable Connected, Electricity Available, Electricity Connected, Internet Available, Sewer Connected, Water Connected, County Trash
Community & HOA
Community
- Features: Beach, Beach Community, Deeded Access, Pool
- Security: Smoke Detector(s)
- Subdivision: Piney Woods Beach
HOA
- Has HOA: Yes
- Services included: Accounting, Recreational Facilities
- HOA fee: $750 annually
Location
- Region: Port Saint Joe
Financial & listing details
- Price per square foot: $502/sqft
- Tax assessed value: $468,146
- Annual tax amount: $5,412
- Date on market: 1/10/2026
- Listing terms: Cash,Conventional,FHA,VA Loan
- Lease term: Daily/Weekly
- Road surface type: Paved
Estimated market value
$589,800
$560,000 - $619,000
$2,733/mo
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 1/10/2026 | Listed for sale | $615,000+3.4%$502/sqft |
Source:  Forgotten Coast Realtor Association #324955 Report a problem | ||
| 5/17/2023 | Sold | $595,000$486/sqft |
Source: Forgotten Coast Realtor Association #313844 Report a problem | ||
| 4/2/2023 | Contingent | $595,000$486/sqft |
Source: Forgotten Coast Realtor Association #313844 Report a problem | ||
| 3/30/2023 | Listed for sale | $595,000+80.3%$486/sqft |
Source: Forgotten Coast Realtor Association #313844 Report a problem | ||
| 4/20/2016 | Sold | $330,000$270/sqft |
Source: Public Record Report a problem | ||
Public tax history
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $5,529 +20.8% | $468,146 -1.1% |
| 2023 | $4,576 +40.6% | $473,278 +87.7% |
| 2022 | $3,255 -3.1% | $252,178 +1.6% |
Find assessor info on the county website
BuyAbility℠ payment
Est. payment
$3,851/mo
Principal & interest
$2922
Property taxes
$651
Other costs
$278
Climate risks
Neighborhood: 32456
Nearby schools
GreatSchools rating
- 4/10Port St. Joe Elementary SchoolGrades: PK-6Distance: 8.1 mi
- 5/10Port St. Joe High SchoolGrades: 7-12Distance: 7.8 mi
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