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20 St Francis Drive, Miramar Beach, FL 32550

$2,499,000
  • 20 St Francis Drive, Miramar Beach, FL 32550 Main Photo

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Active
BEDS5 BATHS5 full SQUARE FEET3,489 MLS#981954
STATUSActive PROPERTY TYPEResidential - Single Family SUBDIVISIONEMERALD WATERS VILLAGE

Property Description

Welcome to this stunning 3-story beach retreat located in the highly sought-after gated community of Emerald Waters Village. Offering 5 bedrooms, 5 bathrooms, and the ability to comfortably sleep up to 16 guests, this home is ideal as a short-term vacation rental, a second home, or a full-time residence. No detail was overlooked in the extensive renovations. Highlights include a brand-new metal roof, updated stucco and exterior paint, and over $40,000 invested in new tile on the balconies and terracewhich have also been quadruple waterproofed for peace of mind. Inside, enjoy all-new drywall, insulation, flooring, and a white oak staircase. The HVAC systems have been fully updated with new interior and exterior units, upgraded attic ductwork, and a fast AC system on the second floor.The remodeled kitchen and bathrooms feature high-end finishes, including Schluter waterproofing, new water pipes and valves, and elegant imported materialslike custom glass cabinets and curtains from Italy. New impact-rated sliding glass doors and updated exterior doors enhance security and efficiency.This beach home is perfectly located just a short stroll from private beach access and two neighborhood pools. It's close to everything you needPublix, Starbucks, Destin Commons, and well-loved local spots like Whale's Tail Beach Bar & Grill. Outdoor lovers will appreciate the proximity to Topsail Hill Preserve State Park and the Destin HarborWalk.Whether you're seeking a lucrative investment, a coastal getaway, or a family home near excellent schools and amenities, this Miramar Beach property delivers it all.

20 St Francis Drive | MLS# 981954

This single family home located at 20 St Francis Drive, Miramar Beach, FL 32550 is currently listed for sale with an asking price of $2,499,000. This property was built in 1999 and has 5 bedrooms and 5 full baths with 3489 sq. ft. St Francis Drive is located in the EMERALD WATERS VILLAGE subdivision. Search EMERALD WATERS VILLAGE real estate on www.realtymark.net today.

Property Features

Property Type: Residential - Single Family
Cooling: Ceiling Fans, Central Air
Fenced: Yes
Garage: 2 car attached
Home Style: Mediterranean
Lot Size: 0.08 Acres
Stories: 3.0
Taxes: $10,976
Year Built: 1999

Feature Descriptions

Appliances: Auto Garage Door Opn, Cooktop, Dishwasher, Microwave, Refrigerator, Stove/Oven Gas
Association Fee Includes: Management
Community Features: Short Term Rental - Allowed, Beach, Deed Access, Gated Community, Pets Allowed, Pool, TV Cable
Days on Site: 218
Exterior: Balcony, Fenced Back Yard
Exterior: Frame, Stucco
Fencing: Fenced Lot-Part, Fenced Privacy
Financing Terms: Conventional, FHA, VA, Other
Flooring: Floor Marble, Floor Tile, Floor Vinyl
Foundation: Slab
HOA: Yes
HOA Fee: 530/Quarterly
Interior: Breakfast Bar, Fireplace, Kitchen Island, Newly Painted, Pantry
Lot: Covenants, Restrictions, Within 1/2 Mile to Water
Lot Dimensions: NA
Parcel Number: 29-2S-21-42970-000-0640
Patio/Porch: Deck Covered, Deck Open, Patio Covered
Pool Features: Pool Type
Property Condition: Renovated, Construction Complete
Road Frontage: Private Road
Rooms Total: 10
Sewer: Public Sewer
Special View Info: Gulf
Sub Type: Detached Single Family
Utilities: Public Water, TV Cable
Window: Window Treatment All

Room Sizes

Primary Bedroom: 12 X 11 Level - First
Kitchen: 10 X 8 Level - First
Living Room: 22 X 17 Level - Second
Kitchen: 15 X 6 Level - Second
Kitchen: 20 X 11 Level - Second
Dining Room: 14 X 12 Level - Second
Primary Bedroom: 13 X 9 Level - Second
Bonus Room: 19 X 10 Level - Third
Living Room: 13 X 11 Level - Third
Primary Bathroom: 13 X 12 Level - Third

Local Schools

High School: Freeport
Middle School: Destin
Elementary School: Van R Butler

Listed By / Shown By

Listed By

Agency Name: Coldwell Banker Realty

Shown By

Agency Title: RealtyMark
Agency Phone: 888-260-0040

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Estimated Payment

$ 7,205.23 per month $5,561.69 Principal & Interest $914.67 Property Tax $728.88 Homeowner's Insurance

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All commissions are negotiable Disclaimer: All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information on this site was last updated 03/04/2026. The listing information on this page last changed on 03/04/2026. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of Delta Media Group MLS (last updated Wed 03/04/2026 12:00:06 AM EST) or Stellar MLS (last updated Tue 03/03/2026 11:44:00 PM EST) or GSMLS (last updated Tue 03/03/2026 11:53:52 PM EST) or Emerald Coast MLS (last updated Tue 03/03/2026 11:55:21 PM EST) or Central Panhandle Association of Realtors (last updated Tue 03/03/2026 11:57:16 PM EST) or Beaches MLS (last updated Tue 03/03/2026 11:55:48 PM EST) or Naples MLS (last updated Tue 03/03/2026 11:40:52 PM EST) or Bright MLS (last updated Tue 03/03/2026 11:50:12 PM EST) or OneKey MLS (last updated Tue 03/03/2026 11:53:04 PM EST). Real estate listings held by brokerage firms other than RealtyMark may be marked with the Internet Data Exchange logo and detailed information about those properties will include the name of the listing broker(s) when required by the MLS. All rights reserved.
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