$2,299,000

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… Read More 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. The primary suite offers an additional level of refinement, featuring a beautifully appointed primary bathroom with elegant marble flooring and a spacious walk-in closet. 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 home's construction also incorporates frame construction with concrete panels. Adding to the home's coastal resilience, hurricane-impact-rated windows and sliding glass doors provide an important combination of protection, durability, and peace of mind. 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. Covered and open terraces offer additional opportunities to 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. An outdoor grill further enhances the home's outdoor entertaining experience. Situated within Emerald Waters Village, residents enjoy the privacy of a gated community, deeded beach access, and two community swimming pools. The sugar-white beaches and emerald waters of Miramar Beach are complemented by convenient access to exceptional dining, shopping, and entertainment. Additional modern conveniences include gas and fiber-optic utility service, providing enhanced functionality and connectivity. 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. Read Less

Courtesy of Kendra R Sheikho Coldwell Banker Realty

Listing Snapshot

Days Online

Last Updated

Nov 7, 2026

Property Type

Detached Single Family

Beds

Full Baths

Square Ft.

3,489

Lot Size

0.08 Acres

Year Built

1999

MLS Number

1014161

Additional Details

Property Access

Frontage Type: Private Road

Appliances & Equipment

Auto Garage Door Opn, Cooktop, Dishwasher, Microwave, Refrigerator, Stove/Oven Gas

Building

Built in 1999, Living area: 3489.0, Construction Materials: Frame, Stucco

Community

Short Term Rental - Allowed, Beach, Deed Access, Gated Community, Pets Allowed, Pool, TV Cable

Cooling

Ceiling Fans, Central Air

Exterior Features

Patio/Porch Features: Deck Covered, Deck Open, Patio Covered, Balcony, Fenced Back Yard

Fence

Fenced Lot-Part, Fenced Privacy

Floors

Floor Marble, Floor Tile, Floor Vinyl

Foundation

Slab

Garage

2 spaces

Home Owner's Association

Fee Includes: Management

Interior Features

Breakfast Bar, Fireplace, Kitchen Island, Newly Painted, Pantry

Lot

0.08 acres, Dimensions: NA, Covenants, Restrictions, Within 1/2 Mile to Water

Parking

2 total parking spaces

Pool

Pool Type

Property

Renovated, Construction Complete, Gulf

Sewer

Public Sewer

Taxes

Parcel Number: 29-2S-21-42970-000-0640, Annual Amount: $9,910.09, Assessed Value: $530, Legal Description: Lot 64 Emerald Waters Village, Year: 2025, Zoning: Resid Single Family

Utilities

Public Water, TV Cable

Windows

Window Treatment All

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