About This Home

This 5-bedroom, 5-bathroom single family at 20 S St Francis Drive in Miramar Beach, FL is listed for $2,299,000 ($659 per sqft). Built in 1999, the home offers 3,489 sqft of living space on a 0.08 acres lot.

Key Features

  • Built in 1999
  • 0.08 acre lot
  • 3 stories
  • 2 parking spaces
  • Fireplace

Property Details

3 stories
5 full
2-car garage
1999

Amenities

FireplaceA/C
Listing Description

AN EXTRAORDINARY EXPRESSION OF EUROPEAN-INSPIRED COASTAL LUXURY. Welcome to 20 St. Francis Drive S, a beautifully reimagined residence in the gated community of Emerald Waters Village in Miramar Beach. Offering 3,489 square feet across three impressive levels, this exceptional five-bedroom, five-bathroom home is a captivating blend of sophisticated

Italian design, bespoke craftsmanship, extensive renovations, and the effortless elegance of the Emerald Coast lifestyle. From the moment you enter, the attention to detail is unmistakable. Custom solid white oak staircases, enhanced by integrated architectural LED lighting, create a striking visual statement, while designer chandeliers, refined finishes, and thoughtfully curated furnishings establish an atmosphere of understated sophistication.

The centerpiece of the residence is a spectacular custom Italian kitchen, representing an investment of approximately $100,000. Designed with exquisite white painted-glass cabinetry, elegant gold-anodized aluminum framing, integrated backlit lighting, and premium gourmet appliances, this remarkable space brings European artistry and modern functionality together.

Even the cabinetry incorporates a specialized protective finish designed for the coastal environment. Throughout the home, beautifully appointed living spaces are complemented by custom-designed wardrobes with Italian lighting systems, designer fixtures, premium finishes, and distinctive furnishings, including custom pieces selected for their craftsmanship and quality.

Every element has been thoughtfully considered to create a residence that feels both luxurious and inviting. Beyond the exceptional interiors lies an equally impressive commitment to the home's overall transformation. Extensive improvements completed between 2023 and 2025 include a metal roof, updated exterior stucco and paint, replacement soffit a

nd fascia, upgraded HVAC systems and ductwork, new water heaters, substantial plumbing improvements, and extensive interior drywall and insulation replacement. The second-floor balconies and third-floor terrace have also undergone significant restoration, incorporating updated finishes and waterproofing systems.

Outdoor living is an essential part of the experience. Enjoy Gulf views and refreshing coastal breezes from the home's beautifully updated balconies and terrace, offering inviting settings for morning coffee, sunset conversations, and memorable gatherings.

Situated within Emerald Waters Village, residents enjoy the privacy of a gated community, deeded beach access, and a community swimming pool. The sugar-white beaches and emerald waters of Miramar Beach are complemented by convenient access to exceptional dining, shopping, and entertainment.

A two-car garage and two additional dedicated parking spaces add everyday convenience to this beautifully designed coastal retreat. More than a renovation, this residence represents a thoughtful reinvention of coastal living, where European design influences, custom architectural details, and extensive property improvements come together in one remarkable offering.

Whether enjoyed as a distinguished primary residence or an exceptional second home, 20 St. Francis Drive S offers a rare opportunity to experience the beauty of the Emerald Coast surrounded by extraordinary style, comfort, and craftsmanship.

Monthly Cost Estimate

$12,826/mo

20% down · 6.5% · 30 years

Principal$1,663
Interest$9,962
Insurance$671
HOA$530

Estimates only. Actual payments may vary.

Location

20 S 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

VinylTileMarble

Construction

Frame Stucco

Outdoor Features

PatioDeck

Cooling

Central Air

Appliances

Auto Garage Door OpnCooktopDishwasherMicrowaveRefrigeratorStove/Oven Gas

Questions & Answers

This 5-bedroom, 5-bathroom single family at 20 S St Francis Drive is listed at $2,299,000 ($659/sqft). The estimated monthly payment is $12,826 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance, HOA fees.

HOA fees are $530/month.

Key features include: Built in 1999, 0.08 acre lot, 3 stories, 2 parking spaces, Fireplace. Interior Features: Breakfast Bar, Fireplace, Kitchen Island. Exterior Features: Balcony, Fenced Back Yard.

This property is listed by Kendra R Sheikho.

KS

Kendra R Sheikho

License 3283774

Agent at Coldwell Banker Realty

Listed by Coldwell Banker Realty · Broker phone: (850) 501-1545 · View on Broker Site · Broker website

MLS# 1014161· Source: Emerald Coast Association of Realtors· 5 days on PropertySimple

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 S St Francis Drive, Miramar Beach, FL 32550

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