About This Home

This 4-bedroom, 3-bathroom single family at 11 Topaz Cove in Miramar Beach, FL is listed for $850,000 ($400 per sqft). Built in 1993, the home offers 2,124 sqft of living space on a 0.12 acres lot.

Key Features

  • Built in 1993
  • 0.12 acre lot
  • 3 stories

Property Details

3 stories
3 full
1993

Amenities

HardwoodA/C
Listing Description

This beautifully maintained 4-bedroom, 3-bath residence in the heart of Miramar Beach has two distinctive features: three Live Oak trees provide natural shade and character over the entire large semi-private patio area. And secondly, the home is ideally positioned as the closest home in the neighborhood to the beach.

These features offer a rare combination of charm, convenience, and strong investment potential. Located within a secure, golf cart-friendly gated community south of Hwy 98, you're just a short 5-minute walk to private deeded beach access -- complete with restrooms and a seasonal snack bar.

With projected short-term rental income of $60,000-$80,000+, this property presents an outstanding opportunity for investors or second-home buyers alike. The home has been thoughtfully updated with a new roof in 2024 (lifetime warranty) and a new HVAC system in 2023, and is offered fully furnished for a seamless, turn-key experience.

Inside, the third-floor bunk room is a standout -- a fun and functional retreat that kids and guests will love. Residents enjoy access to two community pools, a pickleball court, and complimentary seasonal beach chair service. With gated entry from both Scenic Hwy 98 and Emerald Coast Parkway, you're just minutes from dining, shopping, golf, and all that Destin and Miramar Beach have to offer.

Whether you're searching for a primary residence, vacation getaway, or income-producing property, this home delivers the ideal coastal lifestyle.

Monthly Cost Estimate

$6,078/mo

20% down · 6.5% · 30 years

Principal$615
Interest$3,683
Insurance$248
HOA$1,532

Estimates only. Actual payments may vary.

Location

11 Topaz Cove

Miramar Beach, FL 32550

EMERALD SHORES OF SOUTH WALTON

Features & Amenities

Interior Features

Lighting RecessedSplit BedroomWalls PaneledWasher/Dryer HookupWoodwork Painted

Exterior Features

BalconyPavillion/GazeboShowerSprinkler System

Property Details

Flooring

HardwoodTile

Construction

Stucco

Outdoor Features

DeckPorchPatio

Heating

Central

Cooling

Central Air

Appliances

CooktopDishwasherDisposalDryerMicrowaveRefrigerator W/IceMkSmoke DetectorSmooth Stovetop RngeStove/Oven ElectricWasherWater Heater - Elect

Questions & Answers

This 4-bedroom, 3-bathroom single family at 11 Topaz Cove is listed at $850,000 ($400/sqft). The estimated monthly payment is $6,078 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance, HOA fees.

HOA fees are $1532/month.

Key features include: Built in 1993, 0.12 acre lot, 3 stories. Interior Features: Lighting Recessed, Split Bedroom, Walls Paneled. Exterior Features: Balcony, Pavillion/Gazebo, Shower.

This property is listed by At The Beach Team and can be reached at 8506543325.

AT

At The Beach Team

Agent at Keller Williams Realty- Emerald Coast

(850) 654-3325
Agent website

Listed by Keller Williams Realty- Emerald Coast · Broker phone: (850) 654-2900 · View on Broker Site · Broker website

MLS# 1002194· Source: Emerald Coast Association of Realtors· 118 days on PropertySimple

Copyright © 2026 Emerald Coast Association of Realtors. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

11 Topaz Cove, Miramar Beach, FL 32550

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