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$2,499,000

  • For Sale
  • Active
  • Single Family
  • 5 Beds
  • 5 Full Baths
  • 3,489 Sq. Ft.
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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.

Full Property Details for 20 St Francis Dr

General

  • Price: $2,499,000
  • Taxes: $10,976 (2024)
  • Status: Active
  • Type: Single Family
  • Source: Emerald_Coast
  • MLS ID: 981954
  • Updated: 2/1/2026
  • Added to Site: 202 day(s) ago

Interior

  • Rooms/Areas: Bonus Room, Dining Room, Kitchen, Living Room, Master Bathroom, Master Bedroom
  • Interior Features: 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

Rooms

Bathrooms

  • Total Bathrooms: 5
  • Full Bathrooms: 5

Bedrooms

  • Total Bedrooms: 5

Other Rooms

  • Living Room: Living Room
  • Kitchen: Kitchen
  • 2nd Kitchen: Kitchen
  • Dining Room: Dining Room

Additional Information

  • Shared Amenities: Beach, Deed Access, Gated Community, Pets Allowed, Pool, Short Term Rental - Allowed, TV Cable
  • Pool: Yes

Exterior

  • Exterior Features: Balcony, Deck Covered, Deck Open, Fenced Back Yard, Fenced Lot-Part, Fenced Privacy, Patio Covered, Renovated

Parking

  • Garage: Yes
  • Garage Spaces: 2
  • Parking: Garage Attached

Location

  • Area: 15 - Miramar/Sandestin Resort
  • County: Walton
  • Subdivision: Emerald Waters Village
  • Driving Directions: HWY 98 TO HOLIDAY RD. TURN SOUTH. EMERALD WATERS IS ON THE LEFT.

School Information

  • Elementary School: Van R Butler
  • Middle School: Destin
  • High School: Freeport

Heating & Cooling

  • Heating/Cooling: AC - Central Elect, Ceiling Fans

Utilities

  • Utility Description: Public Sewer, Public Water, TV Cable

Structural Information

  • Architectural Style: Mediterranean
  • Construction: Frame, Roof Tile/Slate, Slab, Stucco
  • Stories/Levels: 3
  • Square Feet: 3,489
  • Sq. Ft. Source: County PA Records
  • Year Built: 1999

Lot Features

  • Property View: Gulf
  • Lot Size (Acres): 0.08
  • Lot Dimensions: NA
  • Street/Road Desc.: Private Road
  • Lot Features: Covenants, Restrictions, Within 1/2 Mile to Water
  • Zoning: Resid Single Family

Financial Considerations

  • Assessment Amount: $530
  • Assmt Payment Freq: Quarterly
  • Tax Amount: $10,976
  • Tax Year: 2024
  • Terms: Conventional, FHA, Other, VA

Disclosures and Reports

  • 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
  • Assessment: Yes
  • APN: 29-2S-21-42970-000-0640
Buyer's Brokerage Compensation: Contact Listing Agent
Not binding unless confirmed by separate agreement among applicable parties.

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— 20 St Francis Dr —

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with our affiliated lender
NMLS#: 1598647

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Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

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Schools serving 20 St Francis Dr

School District:Walton County School District
NameGradesDistance
Van R. Butler Elementary School
6694 West County Highway 30A, Santa Rosa Beach, FL 32459
K-57.2 mi
Emerald Coast Middle School
4019 US Highway 98 East, Santa Rosa Beach, FL 32459
6-816 mi
South Walton High School
645 Greenway Trail, Santa Rosa Beach, FL 32459
9-1211.9 mi
Disclaimer: School attendance boundaries provided by Pitney Bowes and are for reference only. Contact the school directly to verify enrollment eligibility.

Price & Sales History for 20 St Francis Dr Get Price Alerts and Save Property

Date
Details
Price
Change
Source
2/01/2026
Price Reduced
$2,499,000
-5.66%
MLS
11/21/2025
Price Reduced
$2,649,000
-3.67%
MLS
7/29/2025
Listed
$2,750,000
235.37%
MLS
7/23/2021
Sold
$820,000
—
Public Record
Get Price Alerts and Save Property
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

Tax History for 20 St Francis Dr

Year
Property Taxes
Change
Tax Assessment
Change
2024
$11,434
—
$1,096,771
-16%
2024
$11,434
3%
$1,306,969
-5%
2023
$11,065
60%
$1,370,986
85%
2021
$6,919
-24%
$739,159
-25%
2022
$9,123
32%
$984,465
56%
2021
$6,919
17%
$629,560
10%
2019
$5,894
6%
$570,979
10%
2018
$5,579
19%
$519,072
10%
2017
$4,677
2%
$471,884
3%
2016
$4,594
36%
$459,130
38%
2015
$3,381
-25%
$332,619
-24%
2014
$4,513
3%
$437,749
3%
2013
$4,401
—
$424,227
—
View All
Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

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*These costs are estimates, and the interest rates assume exceptional credit standing.

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20 St Francis Drive, Miramar Beach, FL 32550 (MLS# 981954) is a Single Family property with 5 bedrooms and 5 full bathrooms. 20 St Francis Drive is currently listed for $2,499,000 and was received on July 29, 2025. This property is listed by Kendra Sheikho from our Crestview Office.Want to learn more about 20 St Francis Drive? Do you have questions about finding other Single Family real estate for sale in Miramar Beach? You can browse all Miramar Beach real estate or contact a Coldwell Banker agent to request more information.

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