20 St Francis Drive, Miramar Beach, FL 32550 (MLS# 981954)


$2,499,000
20 St Francis Drive
Miramar Beach, FL 32550
MLS# 981954
5 beds  |  5 baths  |  3489 sqft


DSC02352
  1 / 82  
DSC02352 DSC02349 DSC02540 DSC02576 DSC02561 DSC02534 DSC02567 DSC02585 DSC02555 DSC02546 DSC02552 DSC02573 DSC02468 DSC02474 DSC02609 DSC02606 DSC02591 DSC02612 DSC02714 DSC02675 DSC02708 DSC02444 DSC02387 DSC02378 DSC02384 DSC02669 DSC02603 DSC02447 DSC02627 DSC02633 DSC02642 DSC02726 DSC02486 DSC02492 DSC02402 DSC02396 DSC02780 DSC02774 DSC02759 DSC02483 DSC02720 DSC02723 DSC02504 DSC02513 DSC02525 DSC02531 DSC02507 DSC02756 DSC02732 DSC02744 DSC02666 DSC02660 DSC02648 DSC02690 DSC02687 DSC02684 DSC02438 DSC02432 DSC02420 DSC02804 DSC02795 DSC02616 DSC02807 DSC02619 DSC02367 DSC02361 DSC02801 DSC02816 DSC02792 DSC02822 DJI_20250709141539_0208_D DJI_20250709140948_0161_D DJI_20250709141201_0170_D DJI_20250709141243_0185_D DJI_20250709141229_0180_D DJI_20250709140806_0135_D DJI_20250709141210_0175_D DJI_20250709140924_0151_D DJI_20250709140842_0141_D DJI_20250709141315_0192_D DJI_20250709141408_0198_D DJI_20250709140907_0146_D

Property 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.

Details
Contract Info
Listing Board: Emerald Coast
List Price/SqFt: 716.25
List Date: 2025-07-29
Current Price: $2,499,000
List Price: $2,499,000
Location, Tax and Legal
Sub Area: 1502 - Miramar Beach S. of 98 w/exception of Sandestin Resort
Elementary School: Van R Butler
Middle School: Destin
High School: Freeport
Legal Description: LOT 64 EMERALD WATERS VILLAGE PB 13-27 OR 1961-9 OR 1961-11 OR 2926-3223 OR 2964-3394 OR 3193-1063 OR 3208-3980
General Property Info
Sub-Type: Detached Single Family
Design: Mediterranean
SqFt Source: County PA Records
Immediate Occupancy: Yes
Garage: Yes
Carport: No
Pool: Yes
Pool Type: Community
Apx SqFt(Htd/Cooled): 3489
Bedrooms: 5
Full Baths: 5
Total Bathrooms: 5
# Stories: 3
Year Built: 1999
Garage Spaces: 2
Acreage: 0.08
Listing Info, Tax & Legal
Homestead: No
Is Subject Leased: No
Assessment Fees: Yes
Assessment Amount: 530
Annual Assessment Amount: 2120
Assessment Paid: Quarterly
New Buyer Fee: Yes
New Buyer Fee Amt: 400
New Buyer Fee Paid: $
Last Taxes: 10976.3
Last Tax Year: 2024
Brokerage Interest: No Interest
As Is: No
Remarks & Misc
Remarks: 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.
Construction Status
Construction Complete: 1
Parking Features
Garage Attached: 1
Waterview
Gulf: 1
Lot/Parcel Access
Private Road: 1
Lot Features
Covenants: 1
Restrictions: 1
Within 1/2 Mile to Water: 1
Project Facilities
Beach: 1
Deed Access: 1
Gated Community: 1
Pets Allowed: 1
Pool: 1
Short Term Rental - Allowed: 1
TV Cable: 1
Construction/Siding
Frame: 1
Roof Tile/Slate: 1
Slab: 1
Stucco: 1
Utilities
Public Sewer: 1
Public Water: 1
TV Cable: 1
Zoning
Resid Single Family: 1
Exterior
Balcony: 1
Deck Covered: 1
Deck Open: 1
Fenced Back Yard: 1
Fenced Lot-Part: 1
Fenced Privacy: 1
Patio Covered: 1
Renovated: 1
Interior
Breakfast Bar: 1
Fireplace: 1
Floor Marble: 1
Floor Tile: 1
Floor Vinyl: 1
Furnished - All: 1
Kitchen Island: 1
Newly Painted: 1
Pantry: 1
Window Treatment All: 1
Financing
Conventional: 1
FHA: 1
VA: 1
Other: 1
Appliances
Auto Garage Door Opn: 1
Cooktop: 1
Dishwasher: 1
Microwave: 1
Refrigerator: 1
Stove/Oven Gas: 1
Energy
AC - Central Elect: 1
Ceiling Fans: 1
Mstr Bdrm/Mstr Bath
MBath Cultured Mrble: 1
MBath Walk-In Closet: 1
Master Bedroom
First: 1
Second: 1
Kitchen
First: 1
Second: 1
Living Room
Second: 1
Third: 1
Rooms
Bonus Room: 1
Dining Room: 1
Kitchen: 1
Living Room: 1
Master Bathroom: 1
Master Bedroom: 1
Fees Include
Management: 1
Status Change Info
Status: Active
Location Tax and Legal
Area: 15 - Miramar/Sandestin Resort
Street #: 20
Street Name: St Francis
Street Suffix: Drive
State: FL
Zip Code: 32550
County: Walton
Project Name/Subdivision: EMERALD WATERS VILLAGE
Parcel ID: 29-2S-21-42970-000-0640
Property Features
Construction Status: Construction Complete
Lot Features: Covenants; Restrictions; Within 1/2 Mile to Water
Zoning: Resid Single Family
Waterview: Gulf
Parking Features: Garage Attached
Project Facilities: Beach; Deed Access; Gated Community; Pets Allowed; Pool; Short Term Rental - Allowed; TV Cable
Exterior: Balcony; Deck Covered; Deck Open; Fenced Back Yard; Fenced Lot-Part; Fenced Privacy; Patio Covered; Renovated
Interior: Breakfast Bar; Fireplace; Floor Marble; Floor Tile; Floor Vinyl; Furnished - All; Kitchen Island; Newly Painted; Pantry; Window Treatment All
Appliances: Auto Garage Door Opn; Cooktop; Dishwasher; Microwave; Refrigerator; Stove/Oven Gas
Utilities: Public Sewer; Public Water; TV Cable
Energy: AC - Central Elect; Ceiling Fans
Master Bedroom: First; Second
Kitchen: First; Second
Living Room: Second; Third
Rooms: Bonus Room; Dining Room; Kitchen; Living Room; Master Bathroom; Master Bedroom
Financing: Conventional; FHA; VA; Other
Fees Include: Management
Supplements
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.
Room Information
Room Name Level Dimensions Length Width
Master BedroomFirst12 x 1112.0011.00
KitchenFirst10 x 810.008.00
Living RoomSecond22 x 1722.0017.00
KitchenSecond15 x 615.006.00
KitchenSecond20 x 1120.0011.00
Dining RoomSecond14 x 1214.0012.00
Master BedroomSecond13 x 913.009.00
Bonus RoomThird19 x 1019.0010.00
Living RoomThird13 x 1113.0011.00
Master BathroomThird13 x 1213.0012.00

Listing Office: Coldwell Banker Realty

Last Updated: February - 01 - 2026

All information is believed to be accurate but is not guaranteed. Protected by Copyright© 2026 and is owned either by the Emerald Coast Association of REALTORS®, Inc or by the developers of the software, FBS, Inc. All rights reserved.