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About This Home

This 4-bedroom, 4-bathroom single family at 95 St. Simon Circle in Miramar Beach, FL is listed for $899,000 ($406 per sqft). Built in 2004, the home offers 2,216 sqft of living space on a N/A lot.

Agent Description

Located in the gated, Gulf-side community of Emerald Waters Village, this beautifully designed coastal home offers an exceptional opportunity to enjoy the Miramar Beach lifestyle at an attractive price point. Just a short walk from deeded beach access, the property combines solid concrete block construction, thoughtful design, and inviting living spaces in one of the area's most desirable neighborhoods.

The main living level is bright, open, and designed for gathering. Large windows and high ceilings allow natural light to pour in, creating an airy, welcoming atmosphere throughout the living, dining, and kitchen spaces. The open-concept layout makes entertaining effortless, whether hosting family and friends or enjoying a relaxed evening after the beach.

The kitchen features granite countertops, stainless steel appliances, and a breakfast bar that keeps the space connected and social. A spacious first-floor bedroom with an ensuite bath offers flexibility for guests or extended stays, while a laundry room and one-car garage add everyday convenience.

Upstairs, the primary suite serves as a private retreat with a sitting area and access to a covered balcony a perfect spot for morning coffee, sunset views, or quiet moments between beach days. Two additional bedrooms share a Jack-and-Jill bath, providing comfortable accommodations for family or guests.

Outdoors, the fenced backyard and patio extend the entertaining space, offering a private setting for grilling, gathering, or simply enjoying the coastal breeze. Emerald Waters Village features gated entry, two community pools, and walkable beach access, all just minutes from Scenic Highway 98, Silver Sands Premium Outlets, dining, and entertainment.

Whether envisioned as a primary residence, second home, or investment property, this home delivers location, light-filled living, and a beach lifestyle that is increasingly hard to find at this price point in Miramar Beach.

Key Features

  • Built in 2004
  • 2 stories

Property Details

2 stories
3 full, 1 half
2004

Amenities

HardwoodA/C

Monthly Cost Estimate

$5,338/mo

20% down · 6.5% · 30 years

Principal$650
Interest$3,896
Insurance$262
HOA$530

Estimates only. Actual payments may vary.

Location

95 St. Simon Circle

Miramar Beach, FL 32550

EMERALD WATERS VILLAGE

Features & Amenities

Interior Features

Breakfast BarCeiling VaultedKitchen IslandOwner's ClosetWasher/Dryer Hookup

Exterior Features

BalconyBBQ Pit/GrillFenced Back Yard

Property Details

Flooring

HardwoodTile

Construction

Block Siding CmntFbrHrdBrd

Pool Features

PatioDeck

Parking

Garage

Heating

Central

Cooling

Central Air

Appliances

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

Questions & Answers

This 4-bedroom, 4-bathroom single family at 95 St. Simon Circle is listed at $899,000 ($406/sqft). The estimated monthly payment is $4,426 based on 20% down at 6.5% interest.

HOA fees are $530/month.

Key features include: Built in 2004, 2 stories. Interior Features: Breakfast Bar, Ceiling Vaulted, Kitchen Island. Exterior Features: Balcony, BBQ Pit/Grill, Fenced Back Yard.

This property is listed by The Jonathan Hill Team and can be reached at 2053705905 or jonathan@legacyhillre.com.

TT

The Jonathan Hill Team

Agent at Legacy Hill Realty

(205) 370-5905

Listed by Legacy Hill Realty · View on Broker Site

MLS# 992115· Source: listhub· Updated 148 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.

95 St. Simon Circle, Miramar Beach, FL 32550

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