Curious about this home?

Ask anything — no agents, no pressure

Try asking

About This Home

This 5-bedroom, 5-bathroom single family at 20 St Francis Drive in Miramar Beach, FL is listed for $2,399,000 ($688 per sqft). Built in 1999, the home offers 3,489 sqft of living space on a 0.08 acres lot.

Agent 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.

Key Features

  • Built in 1999
  • 0.08 acre lot
  • 3 stories
  • Fireplace

Property Details

3 stories
5 full
1999

Amenities

FireplaceA/C

Monthly Cost Estimate

$13,360/mo

20% down · 6.5% · 30 years

Principal$1,735
Interest$10,396
Insurance$700
HOA$530

Estimates only. Actual payments may vary.

Location

20 St Francis Drive

Miramar Beach, FL 32550

EMERALD WATERS VILLAGE

Features & Amenities

Interior Features

Breakfast BarFireplaceKitchen IslandNewly PaintedPantry

Exterior Features

BalconyFenced Back Yard

Property Details

Flooring

VinylMarbleTile

Construction

Frame Stucco

Pool Features

DeckPatio

Cooling

Central Air

Appliances

Auto Garage Door OpnCooktopDishwasherMicrowaveRefrigeratorStove/Oven Gas

Questions & Answers

This 5-bedroom, 5-bathroom single family at 20 St Francis Drive is listed at $2,399,000 ($688/sqft). The estimated monthly payment is $10,926 based on 20% down at 6.5% interest.

HOA fees are $530/month.

Key features include: Built in 1999, 0.08 acre lot, 3 stories, Fireplace. Interior Features: Breakfast Bar, Fireplace, Kitchen Island. Exterior Features: Balcony, Fenced Back Yard.

This property is listed by Kendra R Sheikho and can be reached at 3154056744 or kendra.sheikho@cbrealty.com.

KS

Kendra R Sheikho

Agent at Coldwell Banker Realty

(315) 405-6744

Listed by Coldwell Banker Realty · View on Broker Site

MLS# 981954· Source: listhub· Updated 307 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.

20 St Francis Drive, Miramar Beach, FL 32550

Open this listing in: