UPDATED:
Key Details
Property Type Single Family Home
Sub Type Detached Single Family
Listing Status Active
Purchase Type For Sale
Square Footage 3,489 sqft
Price per Sqft $658
Subdivision Emerald Waters Village
MLS Listing ID 1014161
Style Mediterranean
Bedrooms 5
Full Baths 5
HOA Fees $530/qua
HOA Y/N Yes
Year Built 1999
Annual Tax Amount $9,910
Tax Year 2025
Lot Size 3,484 Sqft
Acres 0.08
Lot Dimensions NA
Property Sub-Type Detached Single Family
Source Emerald Coast Association of REALTORS®
Land Area 3489
Property Description
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
State FL
County Walton
Community Short Term Rental - Allowed, Beach, Deed Access, Gated Community, Pets Allowed, Pool, Tv Cable
Area 15 - Miramar/Sandestin Resort
Zoning Resid Single Family
Direction From Destin, travel east on Highway 98 (Emerald Coast Parkway). Turn right onto South Holiday Road. Continue south and turn left into the gated Emerald Waters Village community. After entering the gate, turn right onto St. Francis Drive S. The home at 20 St. Francis Drive S will be on the right.
Rooms
Primary Bedroom Level Upper
Master Bedroom true
Dining Room true
Kitchen true
Interior
Interior Features Breakfast Bar, Fireplace, Kitchen Island, Newly Painted, Pantry
Cooling Ceiling Fans, Central Air
Flooring Floor Marble, Floor Tile, Floor Vinyl
Furnishings Furnished - All
Window Features Window Treatment All
Appliance Auto Garage Door Opn, Cooktop, Dishwasher, Microwave, Refrigerator, Stove/Oven Gas
Exterior
Exterior Feature Balcony, Fenced Back Yard, Covered Patio, Open Deck, Covered Deck, Fenced Lot (Partial), Fenced Backyard, Privacy Fence, Balcony, Renovated
Garage Spaces 2.0
Fence Fenced Lot-Part, Fenced Privacy
Pool Pool Type
Community Features Short Term Rental - Allowed, Beach, Deed Access, Gated Community, Pets Allowed, Pool, TV Cable
Utilities Available Public Water, TV Cable
View Gulf
Roof Type Tile / Slate
Porch Deck Covered, Deck Open, Patio Covered
Road Frontage Private Road
Garage Yes
Building
Lot Description Covenants, Restrictions, Within 1/2 Mile to Water
Faces From Destin, travel east on Highway 98 (Emerald Coast Parkway). Turn right onto South Holiday Road. Continue south and turn left into the gated Emerald Waters Village community. After entering the gate, turn right onto St. Francis Drive S. The home at 20 St. Francis Drive S will be on the right.
Story 3
Foundation Slab
Sewer Public Sewer
Architectural Style Mediterranean
New Construction No
Schools
Elementary Schools Van R Butler
Middle Schools Destin
High Schools Freeport
Others
Pets Allowed No
HOA Fee Include Management
Tax ID 29-2S-21-42970-000-0640
Virtual Tour https://url.usb.m.mimecastprotect.com/s/vv6VCM7nmvUGmllBLuwfqi8JcfD?domain=my.matterport.com
Nearby Locations
GET MORE INFORMATION