What Does 106 Hidden Ridge Rd Offer at $499,900?
106 Hidden Ridge Rd is a 3-bedroom, 2-bath home with 2,004 sq ft of heated/cooled living space, listed at $499,900 in the Palm Ridge subdivision of St. Joe Beach. Built in 2006 on a 0.33-acre lot, the property features a spring-fed pond, a screened Florida room with French doors, vaulted ceilings in the great room, and a bonus room sized for a real office or studio. There's no HOA, all utilities are connected, and the location sits roughly midway between Port St. Joe and Mexico Beach, with Gulf access a short drive in either direction.
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By Billy Joe Smiley | September 11, 2026
106 Hidden Ridge Rd is a three-bedroom, two-bath home on a third of an acre in the Palm Ridge subdivision of St. Joe Beach — a quiet street, no HOA, no major road noise, and 2,004 square feet of finished living space that includes a bonus room, a Florida room, and a spring-fed pond in the backyard. It's listed at $499,900. If you've been watching Gulf County inventory in this price range, you know that combination doesn't come together often.
The floorplan lives bigger than the square footage suggests. Vaulted ceilings in the great room change how the space feels the minute you walk in — not the low, flat ceilings you find in a lot of Gulf County construction from this era. The kitchen has white shaker cabinetry and Corian countertops: clean, durable, easy to live with. The dining area sits directly under a skylight, which sounds like a small detail until you're actually sitting at that table in the morning. The room has its own quality of light.
The primary suite is separated from the secondary bedrooms, which matters in a three-bedroom layout. There is a garden tub and a separate shower — not a tub-shower combo, an actual soaking tub alongside a separate shower — plus a walk-in closet. That's a bathroom that feels like it belongs in a larger house.
The bonus room tends to surprise people on the walkthrough. It's not a closet with ambitions. It holds a real desk setup, a daybed, recording equipment, or whatever you're actually doing with a dedicated fourth room. A lot of Gulf County inventory at this price doesn't offer that kind of flexible space. This one does.
French doors in the great room open directly to the screened Florida room, and from there you're looking at the pond. In Florida the screening distinction matters: you use this room in July, not just in November. The spring-fed pond means there's moving water and life year-round — not a dry retention basin half the year. You're sitting in a screened room looking at spring-fed water. That changes how the back of the property feels to be on.
The practical details.
Built in 2006. The gas grill hookup out back is the kind of detail that sounds minor until you're standing on a property that doesn't have it. Utilities are all connected: natural gas, city water and sewer, cable, and internet. Four parking spaces in the driveway. No pool — which in Florida means lower insurance, lower maintenance, and one fewer thing to manage.
Palm Ridge sits between Port St. Joe and Mexico Beach, about 10 minutes to either direction, a short drive to beach access in both. The location is convenient. But the house is the story.
Before you make an offer on any Forgotten Coast home, you'll want a thorough inspection from someone who knows coastal construction. What Does a Home Inspection Actually Cover on a Forgotten Coast Beach Home? breaks down exactly what inspectors look at in a home like this and what to watch for.
Why this one stands out at $499,900.
Most homes in this price range in Gulf County make you trade something off. You get the square footage but not the water feature. You get the bonus room but not the primary suite. You get the Florida room but not the pond to look at from it. This one doesn't ask you to trade. The spring-fed pond, the screened room, the soaking tub, the skylight over the dining table, the bonus room that functions — it's an unusual assembly for the price and based on our most recent Forgotten Coast market report, homes with genuine differentiators at this price point are not sitting long.
Coming through the door tells you what the numbers can't. This one is worth the walkthrough.
Frequently Asked Questions
Is 106 Hidden Ridge Rd in a flood zone?
106 Hidden Ridge Rd is in FEMA Flood Zone X, which is the lowest-risk designation — outside the Special Flood Hazard Area and not subject to mandatory flood insurance requirements. That's a meaningful distinction on the Forgotten Coast, where flood zone status can significantly affect both insurance costs and financing.
Does the home have HOA restrictions?
No, there is no HOA at 106 Hidden Ridge Rd. That means no dues and no approval process for changes or improvements to the property.
How far is 106 Hidden Ridge Rd from the Gulf?
The home is in the St. Joe Beach area, positioned between Port St. Joe and Mexico Beach. Public beach access is a short drive from the property, typically under 10 minutes depending on your destination.
What school district serves this address?
106 Hidden Ridge Rd is in Gulf County, served by the Gulf County School District. For specific school assignment and enrollment information, contact the district directly.
Is this property move-in ready?
Based on the listing, the home features updated kitchen elements, an irrigation system, and all utilities connected. A standard home inspection would confirm current condition. I'm happy to connect you with a licensed inspector familiar with Forgotten Coast construction if you're moving toward an offer.
If this property matches what you've been looking for on the Forgotten Coast, the next step is simple: schedule a showing before something else catches your attention.
Reach out directly and I'll walk you through it personally. I know this stretch of Highway 98 well, and I can give you an honest read on the home, the location, and what a fair offer looks like in today's market.
About Billy Joe Smiley
Billy Joe Smiley is a Florida real estate broker and top 1% REALTOR® with Port Realty Group, with over 27 years of experience and more than 1,000 properties sold. A Gulf County native, he serves buyers and sellers across Port St. Joe, Cape San Blas, and Mexico Beach, specializing in waterfront and beachfront homes, land, and investment properties. His deep local knowledge and no-pressure approach have made him the Forgotten Coast's most trusted name in real estate.
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