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About This Home

This 5-bedroom, 6-bathroom single family at 186 Ciboney Street in Miramar Beach, FL is listed for $1,349,900 ($432 per sqft). Built in 2020, the home offers 3,122 sqft of living space on a 0.08 acres lot.

Agent Description

LOWER YOUR PAYMENT! Seller is offering an interest rate buydown of $25,000 for an acceptable offer, potentially lowering your interest rate to the 5's for qualified buyers, with the potential for you to lower your mortgage payment by hundreds of dollars each month.

If owning at the beach has been on your radar-whether as a full-time move, a second home, or a high-performing investment-186 Ciboney Street deserves your attention. This fully furnished (negotiable) five-bedroom beach home comfortably sleeps 12 and is already operating as a successful vacation rental, with projected annual income exceeding $130,000.

That's the kind of flexibility buyers are looking for: enjoy it when you're here, let it perform when you're not. Perfectly positioned in Miramar Beach, this home offers the ideal blend of lifestyle and convenienceclose to the beach, a short drive to dining, shopping, and entertainment, located in a strong school district, and completely move-in ready.

Inside, you'll find five generously sized bedrooms, each with its own en-suite bathroom, delivering privacy and comfort for family and guests alike. High-end finishes throughout elevate the space, while thoughtfully curated artwork from local artists adds a true Emerald Coast touch.

The open-concept kitchen and living area were designed for effortless entertaining, and the fenced backyard provides added privacyperfect after long beach days. Just steps from the community pool and beach access walkway, the location simply doesn't get better. No matter your goalprimary residence, second home, or income-producing propertythis home checks every box. Offered under $1.4M, 186 Ciboney stands out as one of the strongest values in the market and deserves a spot on every serious buyer's showing schedule.

Key Features

  • Built in 2020
  • 0.08 acre lot
  • 3 stories

Property Details

3 stories
5 full, 1 half
2020

Amenities

A/C

Monthly Cost Estimate

$8,995/mo

20% down · 6.5% · 30 years

Principal$976
Interest$5,850
Insurance$394
HOA$1,775

Estimates only. Actual payments may vary.

Location

186 Ciboney Street

Miramar Beach, FL 32550

Hidden Palms

Features & Amenities

Interior Features

Ceiling Crwn MoldingKitchen IslandLighting RecessedOwner's ClosetPantryWasher/Dryer Hookup

Exterior Features

BalconyFenced Back Yard

Property Details

Flooring

TileVinyl

Construction

Concrete Stucco

Pool Features

Patio

Heating

Central

Cooling

Central Air

Appliances

Auto Garage Door OpnCooktopDishwasherDryerMicrowaveRefrigerator W/IceMkSmoke DetectorStove/Oven ElectricWasherWater Heater - Elect

Questions & Answers

This 5-bedroom, 6-bathroom single family at 186 Ciboney Street is listed at $1,349,900 ($432/sqft). The estimated monthly payment is $7,625 based on 20% down at 6.5% interest.

HOA fees are $1775/month.

Key features include: Built in 2020, 0.08 acre lot, 3 stories. Interior Features: Ceiling Crwn Molding, Kitchen Island, Lighting Recessed. Exterior Features: Balcony, Fenced Back Yard.

This property is listed by Daniel D Walker and can be reached at 8509741621 or danieldwalker88@gmail.com.

DW

Daniel D Walker

Agent at Compass

(850) 974-1621

Listed by Compass · View on Broker Site

MLS# 986361· Source: listhub· Updated 246 days ago

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.

186 Ciboney Street, Miramar Beach, FL 32550

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