# 20 S St Francis Drive, Miramar Beach, FL 32550 > **TL;DR:** 5bd/5ba single family, $2,299,000 ($659/sqft), built 1999, 3,489 sqft. > Fireplace, A/C, 2-car garage. Est. $12,826/mo. Listed 6 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $2,299,000 | | Price/sqft | $659 | | Bedrooms | 5 | | Bathrooms | 5 full | | Square Feet | 3,489 | | Year Built | 1999 | | Lot Size | 3,485 sqft (0.08 acres) | | Stories | 3 | | Garage | 2-car | | Property Type | Single Family (Other) | | Status | Active | | Days on Market | 6 | ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $11,625 | | Estimated Insurance | $671 | | HOA | $530 | | **Total** | **$12,826** | ## Nearby Schools - **Elementary:** Van R Butler - **Middle:** Destin - **High:** Freeport ## Key Amenities - Fireplace - A/C - 2-car garage ## Property Highlights - Built in 1999 - 0.08 acre lot - 3 stories - 2 parking spaces - Fireplace ## Description ### Agent 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 and 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. ## Location - **Address:** 20 S St Francis Drive, Miramar Beach, FL 32550 - **County:** Walton - **Neighborhood:** EMERALD WATERS VILLAGE - **Coordinates:** 30.379487, -86.38034 - **Google Maps:** https://www.google.com/maps?q=30.379487,-86.38034 ## Virtual Tour & Media - **Video Tour:** https://url.usb.m.mimecastprotect.com/s/vv6VCM7nmvUGmllBLuwfqi8JcfD?domain=my.matterport.com ## Listing Agent - **Name:** Kendra R Sheikho · **License:** 3283774 - **Brokerage:** Coldwell Banker Realty - **Broker Phone:** (850) 501-1545 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/20-Saint-Francis-Dr-S_Miramar-Beach_FL_32550_M63418-53110?f=listhub&s=ECARMLSFL&m=1014161&c=propsimple) ## Photos ![20 S St Francis Drive - Photo 1](http://lh.rdcpix.com/3afde8f5b0be14c9ea98f586e44dc5f2l-f753667885r.jpg) ![20 S St Francis Drive - Photo 2](http://lh.rdcpix.com/3afde8f5b0be14c9ea98f586e44dc5f2l-f3562012500r.jpg) ![20 S St Francis Drive - Photo 3](http://lh.rdcpix.com/3afde8f5b0be14c9ea98f586e44dc5f2l-f2562973879r.jpg) ![20 S St Francis Drive - Photo 4](http://lh.rdcpix.com/3afde8f5b0be14c9ea98f586e44dc5f2l-f736479982r.jpg) ![20 S St Francis Drive - Photo 5](http://lh.rdcpix.com/3afde8f5b0be14c9ea98f586e44dc5f2l-f4116051322r.jpg) ![20 S St Francis Drive - Photo 6](http://lh.rdcpix.com/3afde8f5b0be14c9ea98f586e44dc5f2l-f3913284483r.jpg) ![20 S St Francis Drive - Photo 7](http://lh.rdcpix.com/3afde8f5b0be14c9ea98f586e44dc5f2l-f2190627035r.jpg) ![20 S St Francis Drive - Photo 8](http://lh.rdcpix.com/3afde8f5b0be14c9ea98f586e44dc5f2l-f4208872922r.jpg) ![20 S St Francis Drive - Photo 9](http://lh.rdcpix.com/3afde8f5b0be14c9ea98f586e44dc5f2l-f2007382111r.jpg) ![20 S St Francis Drive - Photo 10](http://lh.rdcpix.com/3afde8f5b0be14c9ea98f586e44dc5f2l-f1642067629r.jpg) ![20 S St Francis Drive - 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Photo 51](http://lh.rdcpix.com/3afde8f5b0be14c9ea98f586e44dc5f2l-f1561702863r.jpg) ![20 S St Francis Drive - Photo 52](http://lh.rdcpix.com/3afde8f5b0be14c9ea98f586e44dc5f2l-f2921295058r.jpg) ![20 S St Francis Drive - Photo 53](http://lh.rdcpix.com/3afde8f5b0be14c9ea98f586e44dc5f2l-f2875462963r.jpg) ![20 S St Francis Drive - Photo 54](http://lh.rdcpix.com/3afde8f5b0be14c9ea98f586e44dc5f2l-f1847014325r.jpg) ![20 S St Francis Drive - Photo 55](http://lh.rdcpix.com/3afde8f5b0be14c9ea98f586e44dc5f2l-f3868774790r.jpg) ![20 S St Francis Drive - Photo 56](http://lh.rdcpix.com/3afde8f5b0be14c9ea98f586e44dc5f2l-f3973833769r.jpg) ![20 S St Francis Drive - Photo 57](http://lh.rdcpix.com/3afde8f5b0be14c9ea98f586e44dc5f2l-f898058959r.jpg) ![20 S St Francis Drive - Photo 58](http://lh.rdcpix.com/3afde8f5b0be14c9ea98f586e44dc5f2l-f2043677441r.jpg) ![20 S St Francis Drive - Photo 59](http://lh.rdcpix.com/3afde8f5b0be14c9ea98f586e44dc5f2l-f970917705r.jpg) ![20 S St Francis Drive - Photo 60](http://lh.rdcpix.com/3afde8f5b0be14c9ea98f586e44dc5f2l-f1633214294r.jpg) ![20 S St Francis Drive - Photo 61](http://lh.rdcpix.com/3afde8f5b0be14c9ea98f586e44dc5f2l-f3033002970r.jpg) ![20 S St Francis Drive - Photo 62](http://lh.rdcpix.com/3afde8f5b0be14c9ea98f586e44dc5f2l-f27316880r.jpg) ![20 S St Francis Drive - Photo 63](http://lh.rdcpix.com/3afde8f5b0be14c9ea98f586e44dc5f2l-f1906350585r.jpg) ![20 S St Francis Drive - Photo 64](http://lh.rdcpix.com/3afde8f5b0be14c9ea98f586e44dc5f2l-f349166009r.jpg) --- **MLS#:** 1014161 | **Updated:** 2026-10-26 **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://staging.propertysimple.ai/listing/20-s-st-francis-drive-miramar-beach-fl-32550-f380dcb462404553b214dafbbab60c79) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://staging.propertysimple.ai/listing/20-s-st-francis-drive-miramar-beach-fl-32550-f380dcb462404553b214dafbbab60c79#listing", "url": "https://staging.propertysimple.ai/listing/20-s-st-francis-drive-miramar-beach-fl-32550-f380dcb462404553b214dafbbab60c79", "name": "20 S St Francis Drive, Miramar Beach, FL 32550", "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 and 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. 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