About This Home

This 3-bedroom, 2-bathroom single family at 21 Garnet Cove in Miramar Beach, FL is listed for $799,900 ($472 per sqft). Built in 1993, the home offers 1,694 sqft of living space on a N/A lot.

Key Features

  • Built in 1993
  • 3 stories
  • 2 parking spaces

Property Details

3 stories
2 full
2 spaces
1993

Amenities

A/C
Listing Description

Discover coastal living just steps from the sugar-white sands of the Emerald Coast in this updated 3-bedroom, 2-bath beach house featuring a versatile third-floor loft in the gated community of Emerald Shores. Positioned approximately 300 yards from private beach access and adjacent to a community pool, this home offers an ideal layout for a primary retreat, second home, or turnkey investment property.

The ground floor features an open-concept living and dining area with low-maintenance tile flooring, a well-appointed kitchen, and a main-level primary suite. Upstairs, two secondary bedrooms feature French doors leading to an expansive outdoor balcony.

The top-floor loft offers flexible space for additional accommodations, a media room, or a home office. Offered fully furnished and rental-ready, residents and guests enjoy exclusive access to two community pools, tennis and pickleball courts, and the private Emerald Shores beach pavilion with controlled Gulf access.

Monthly Cost Estimate

$5,810/mo

20% down · 6.5% · 30 years

Principal$578
Interest$3,466
Insurance$233
HOA$1,532

Estimates only. Actual payments may vary.

Location

21 Garnet Cove

Miramar Beach, FL 32550

EMERALD SHORES

Features & Amenities

Exterior Features

BalconyBBQ Pit/Grill

Property Details

Flooring

TileCarpet

Construction

Stucco

Outdoor Features

Patio

Heating

Central

Cooling

Central Air

Appliances

DishwasherDryerMicrowaveRefrigeratorWasher

Questions & Answers

This 3-bedroom, 2-bathroom single family at 21 Garnet Cove is listed at $799,900 ($472/sqft). The estimated monthly payment is $5,810 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance, HOA fees.

HOA fees are $1532/month.

Key features include: Built in 1993, 3 stories, 2 parking spaces. Exterior Features: Balcony, BBQ Pit/Grill.

This property is listed by Bonnie S Hall.

BH

Bonnie S Hall

License 3067001

Agent at Coldwell Banker Realty

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

MLS# 1006099· Source: Emerald Coast Association of Realtors· 126 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.

21 Garnet Cove, Miramar Beach, FL 32550

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