# 21 Garnet Cove, Miramar Beach, FL 32550

> **TL;DR:** 3bd/2ba single family, $799,900 ($472/sqft), built 1993, 1,694 sqft.
> A/C. Est. $5,810/mo. Listed 127 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $799,900 |
| Price/sqft | $472 |
| Bedrooms | 3 |
| Bathrooms | 2 full |
| Square Feet | 1,694 |
| Year Built | 1993 |
| Stories | 3 |
| Property Type | Single Family (Other) |
| Status | Active |
| Days on Market | 127 |

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Principal & Interest (20% down, 30-year at 6.5%) | $4,045 |
| Estimated Insurance | $233 |
| HOA | $1,532 |
| **Total** | **$5,810** |

## Nearby Schools

- **Elementary:** Destin
- **Middle:** Emerald Coast
- **High:** South Walton

## Key Amenities

- A/C

## Property Highlights

- Built in 1993
- 3 stories
- 2 parking spaces

## Description

### Agent 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.

## Location

- **Address:** 21 Garnet Cove, Miramar Beach, FL 32550
- **County:** Walton
- **Neighborhood:** EMERALD SHORES
- **Coordinates:** 30.382269, -86.397204
- **Google Maps:** https://www.google.com/maps?q=30.382269,-86.397204

## Virtual Tour & Media

- **Video Tour:** https://homes.silverskydronephotography.com/listings/VRou45joZPuaTlKnVbBl/website/basic/unbranded

## Listing Agent

- **Name:** Bonnie S Hall · **License:** 3067001
- **Brokerage:** Coldwell Banker Realty
- **Broker Phone:** (850) 501-1545
- **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/21-Garnet-Cv_Miramar-Beach_FL_32550_M56239-96110?f=listhub&s=ECARMLSFL&m=1006099&c=propsimple)

## Photos

![21 Garnet Cove - Photo 1](http://lh.rdcpix.com/69ffae9b8a191f2a41623781e9b90ce1l-f3802842886r.jpg)

![21 Garnet Cove - Photo 2](http://lh.rdcpix.com/69ffae9b8a191f2a41623781e9b90ce1l-f2455183731r.jpg)

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![21 Garnet Cove - Photo 34](http://lh.rdcpix.com/69ffae9b8a191f2a41623781e9b90ce1l-f2855142932r.jpg)

![21 Garnet Cove - Photo 35](http://lh.rdcpix.com/69ffae9b8a191f2a41623781e9b90ce1l-f3893408454r.jpg)

![21 Garnet Cove - Photo 36](http://lh.rdcpix.com/69ffae9b8a191f2a41623781e9b90ce1l-f3017601125r.jpg)

![21 Garnet Cove - Photo 37](http://lh.rdcpix.com/69ffae9b8a191f2a41623781e9b90ce1l-f3721373689r.jpg)

![21 Garnet Cove - Photo 38](http://lh.rdcpix.com/69ffae9b8a191f2a41623781e9b90ce1l-f1888274102r.jpg)

![21 Garnet Cove - Photo 39](http://lh.rdcpix.com/69ffae9b8a191f2a41623781e9b90ce1l-f2141146826r.jpg)

![21 Garnet Cove - Photo 40](http://lh.rdcpix.com/69ffae9b8a191f2a41623781e9b90ce1l-f1943958273r.jpg)

![21 Garnet Cove - Photo 41](http://lh.rdcpix.com/69ffae9b8a191f2a41623781e9b90ce1l-f1287826377r.jpg)

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![21 Garnet Cove - Photo 46](http://lh.rdcpix.com/69ffae9b8a191f2a41623781e9b90ce1l-f1310865242r.jpg)

![21 Garnet Cove - Photo 47](http://lh.rdcpix.com/69ffae9b8a191f2a41623781e9b90ce1l-f3100190605r.jpg)

![21 Garnet Cove - Photo 48](http://lh.rdcpix.com/69ffae9b8a191f2a41623781e9b90ce1l-f2740025145r.jpg)

![21 Garnet Cove - Photo 49](http://lh.rdcpix.com/69ffae9b8a191f2a41623781e9b90ce1l-f2169149043r.jpg)

![21 Garnet Cove - Photo 50](http://lh.rdcpix.com/69ffae9b8a191f2a41623781e9b90ce1l-f3056156543r.jpg)

![21 Garnet Cove - Photo 51](http://lh.rdcpix.com/69ffae9b8a191f2a41623781e9b90ce1l-f2135110448r.jpg)

---

**MLS#:** 1006099 | **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/21-garnet-cove-miramar-beach-fl-32550-c91d1b1340a14672b9cb301f9732e9d3)

---

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