# 20 St Francis Drive, Miramar Beach, FL 32550

> **TL;DR:** 5bd/5ba single family, $2,399,000 ($688/sqft), built 1999, 3,489 sqft.
> Fireplace, A/C. Est. $10,926/mo. Listed 307 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $2,399,000 |
| Price/sqft | $688 |
| Bedrooms | 5 |
| Bathrooms | 5 full |
| Square Feet | 3,489 |
| Year Built | 1999 |
| Lot Size | 3,485 sqft (0.08 acres) |
| Stories | 3 |
| Property Type | Single Family (Other) |
| Status | For Sale |
| Days on Market | 307 |

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Mortgage (20% down, 6.5%) | $10,396 |
| HOA | $530 |
| **Total** | **$10,926** |

## Nearby Schools

- **Elementary:** Van R Butler
- **Middle:** Destin
- **High:** Freeport

## Key Amenities

- Fireplace
- A/C

## Property Highlights

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

## Description

### 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.

## Location

- **Address:** 20 St Francis Drive, Miramar Beach, FL 32550
- **County:** Walton
- **Neighborhood:** EMERALD WATERS VILLAGE
- **Coordinates:** 30.379482, -86.380338
- **Google Maps:** https://www.google.com/maps?q=30.379482,-86.380338

## Virtual Tour & Media

- **Video Tour:** https://my.matterport.com/show/?m=Jd5Xj7XXeZN

## Listing Agent

- **Name:** Kendra R Sheikho
- **Brokerage:** Coldwell Banker Realty
- **Phone:** 3154056744
- **Email:** kendra.sheikho@cbrealty.com

## Primary Photo

![20 St Francis Drive - Primary Photo](http://lh.rdcpix.com/cc3b86dd2bfdf7e9252c67d595b33080l-f3098610429r.jpg)

*82 total photos available on [listing page](https://www.propertysimple.com/listing/20-st-francis-drive-miramar-beach-fl-32550-l981954)*

---

**MLS#:** 981954 | **Updated:** 2026-06-18
**Source:** listhub

*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.*

[View on PropertySimple](https://www.propertysimple.com/listing/20-st-francis-drive-miramar-beach-fl-32550-l981954)

---

## Structured Data

```json
{
  "@context": "https://schema.org",
  "@type": "RealEstateListing",
  "name": "20 St Francis Drive, Miramar Beach, FL 32550",
  "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 te",
  "url": "https://www.propertysimple.com/listing/20-st-francis-drive-miramar-beach-fl-32550-l981954",
  "image": "http://lh.rdcpix.com/cc3b86dd2bfdf7e9252c67d595b33080l-f3098610429r.jpg",
  "datePosted": "2026-06-18",
  "price": 2399000,
  "priceCurrency": "USD",
  "address": {
    "@type": "PostalAddress",
    "streetAddress": "20 St Francis Drive",
    "addressLocality": "Miramar Beach",
    "addressRegion": "FL",
    "postalCode": "32550",
    "addressCountry": "US"
  },
  "geo": {
    "@type": "GeoCoordinates",
    "latitude": 30.379482,
    "longitude": -86.380338
  },
  "numberOfBedrooms": 5,
  "numberOfBathroomsTotal": 5,
  "numberOfFullBathrooms": 5,
  "floorSize": {
    "@type": "QuantitativeValue",
    "value": 3489,
    "unitCode": "FTK"
  },
  "yearBuilt": 1999
}
```