10 ST FRANCIS DR S, Miramar Beach, FL 32550 (MLS# 986866)

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10 ST FRANCIS DR S, Miramar Beach, FL 32550

$1,299,900
Property Type: Residential Bedrooms: 5 Baths: 4 Square Footage: 2,943 Lot Size (sq. ft.): 3,049 Status: Active
Current Price: $1,299,900 List Date: 10/04/2025 Last Modified: 11/25/2025

Description

Located less than a quarter mile from the sugar-white sands of the Emerald Coast and just minutes from the bay, 10 St Francis Drive South captures the essence of coastal luxury living. Gated community of Emerald Waters Village with an easy and quick walk to the beach. This 5-bedroom, 3.5-bath residence offers 2,943 square feet of beautifully updated interiors designed for both relaxation and return. Exceptional Investment Opportunity. Ideal for Short-Term Rentals, Long-Term Leases, or Your Own Coastal Retreat. GRI 2023/$115,696, 2024/$91,211 and 2025 $69,112.

Supplements: Sunlight pours through expansive windows, illuminating an open-concept layout that connects the living, dining, and kitchen areas in effortless flow. The chef's kitchen features sleek surfaces, custom cabinetry, and a generous island that invites conversation and entertaining. The adjoining dining area comfortably seats ten, a perfect setting for gatherings after a day on the water. Step outside to your private pool, a rare luxury this close to the beach. Perfect for an afternoon dip, evening cocktails, or unwinding after a walk from the Gulf, this outdoor retreat offers the comfort of a resort setting without ever leaving home. Multiple porches and upper decks provide additional spaces to relax and enjoy glimpses of the Emerald Coast. From the upper deck, enjoy glimpses of the Gulf's emerald waters and the coastal breeze that defines life in Destin. Whether it's a morning stroll to the private deeded beach access, an afternoon of bay fishing, or sunset cocktails poolside, this address places every coastal indulgence within reach. Flexible use options make this home as smart as it is stunning, ideal for a primary residence, vacation retreat, or income-producing investment. Short-term and long-term rentals are permitted, offering excellent earning potential in one of Destin's most desirable beach communities. Experience refined coastal living, where every day feels like a getaway and every detail speaks of comfort, style, and value. Tucked along Scenic Highway 98, Emerald Waters Village is one of Destin's most sought-after private beach communities, a gated enclave where everyday life feels like a vacation. Residents enjoy private deeded beach access, just a short stroll from the shoreline where the Gulf's emerald-green waters meet sugar-white sand. Within the community, quiet streets are lined with elegant coastal homes and two sparkling neighborhood pools, creating a tranquil setting for both full-time living and luxurious retreats. What truly sets Emerald Waters Village apart is its location, perfectly positioned between the Gulf and the bay, with effortless access to the area's premier dining, shopping, and boating. Spend your mornings walking to the beach, your afternoons exploring nearby golf courses or the bay, and your evenings savoring fresh seafood at one of Destin's local favorites. Living here means embracing the very best of Florida's Emerald Coast lifestyle of sun, serenity, and sophistication every single day.

More Information MLS# 986866

Contract Info

Listing Board: Emerald Coast List Price/SqFt: 441.69 List Date: 2025-10-04 Current Price: $1,299,900 List Price: $1,299,900

Location, Tax and Legal

Sub Area: 1502 - Miramar Beach S. of 98 w/exception of Sandestin Resort Elementary School: Van R Butler Middle School: Emerald Coast High School: South Walton Legal Description: LOT 62 EMERALD WATERS VILLAGE PB 13-27 OR 2605-3126 OR 2695-3899 OR 3177-3942 OR 3251-2668

General Property Info

Sub-Type: Detached Single Family Design: Beach House SqFt Source: County PA Records Immediate Occupancy: Yes Garage: Yes Carport: No Driveway Spaces: 1 Pool: Yes Pool Type: Private Apx SqFt(Htd/Cooled): 2943 Bedrooms: 5 Full Baths: 3 Half Baths: 1 Total Bathrooms: 4 # Stories: 2 Year Built: 2003 Garage Spaces: 1 Acreage: 0.07

Listing Info, Tax & Legal

Homestead: No Is Subject Leased: No Assessment Fees: Yes Assessment Amount: 590 Annual Assessment Amount: 2360 Assessment Paid: Quarterly New Buyer Fee: Yes New Buyer Fee Amt: 450 New Buyer Fee Paid: $ Last Taxes: 12028.4 Last Tax Year: 2024 Brokerage Interest: No Interest As Is: No

Remarks & Misc

Remarks: Located less than a quarter mile from the sugar-white sands of the Emerald Coast and just minutes from the bay, 10 St Francis Drive South captures the essence of coastal luxury living. Gated community of Emerald Waters Village with an easy and quick walk to the beach. This 5-bedroom, 3.5-bath residence offers 2,943 square feet of beautifully updated interiors designed for both relaxation and return. Exceptional Investment Opportunity. Ideal for Short-Term Rentals, Long-Term Leases, or Your Own Coastal Retreat. GRI 2023/$115,696, 2024/$91,211 and 2025 $69,112.

Construction Status

Construction Complete: 1

Parking Features

Garage Attached: 1

Waterview

Gulf: 1

Lot/Parcel Access

Controlled Access: 1 Paved Road: 1 Private Road: 1

Lot Features

Corner: 1 Covenants: 1 Within 1/2 Mile to Water: 1

Project Facilities

Deed Access: 1 Gated Community: 1 Pool: 1 Short Term Rental - Allowed: 1

Construction/Siding

Concrete: 1 Roof Metal: 1 Slab: 1 Stucco: 1

Utilities

Electric: 1 Public Sewer: 1 Public Water: 1 TV Cable: 1

Zoning

Resid Single Family: 1

Exterior

Balcony: 1 BBQ Pit/Grill: 1 Deck Open: 1 Fenced Back Yard: 1 Fireplace: 1 Patio Covered: 1 Pool - In-Ground: 1 Porch: 1

Interior

Breakfast Bar: 1 Ceiling Raised: 1 Floor Tile: 1 Floor Vinyl: 1 Furnished - All: 1 Kitchen Island: 1 Lighting Recessed: 1 Washer/Dryer Hookup: 1 Window Treatment All: 1

Financing

Conventional: 1 FHA: 1 VA: 1 Other: 1

Appliances

Auto Garage Door Opn: 1 Cooktop: 1 Dishwasher: 1 Dryer: 1 Microwave: 1 Oven Self Cleaning: 1 Refrigerator: 1 Refrigerator W/IceMk: 1 Smoke Detector: 1 Washer: 1

Energy

AC - Central Elect: 1 Ceiling Fans: 1 Heat Cntrl Electric: 1 Water Heater - Elect: 1

Mstr Bdrm/Mstr Bath

MBath Cultured Mrble: 1 MBath Double Vanity: 1 MBath Separate Shwr: 1 MBath Tile: 1 MBath Whirlpool: 1 MBed Sitting Area: 1 MBed Walk-in Closet: 1

Master Bedroom

Second: 1

Bedroom

First: 1 Second: 1

Living Room

First: 1

Rooms

Bedroom: 1 Bunk Room: 1 Dining Room: 1 Laundry: 1 Living Room: 1 Master Bedroom: 1

Fees Include

Ground Keeping: 1 Management: 1 Recreational Faclty: 1

Status Change Info

Status: Active

Location Tax and Legal

Area: 15 - Miramar/Sandestin Resort Street #: 10 Street Name: ST FRANCIS DR S State: FL Zip Code: 32550 County: Walton Project Name/Subdivision: EMERALD WATERS VILLAGE Parcel ID: 29-2S-21-42970-000-0620

Property Features

Construction Status: Construction Complete Lot Features: Corner; Covenants; Within 1/2 Mile to Water Zoning: Resid Single Family Waterview: Gulf Parking Features: Garage Attached Project Facilities: Deed Access; Gated Community; Pool; Short Term Rental - Allowed Exterior: Balcony; BBQ Pit/Grill; Deck Open; Fenced Back Yard; Fireplace; Patio Covered; Pool - In-Ground; Porch Interior: Breakfast Bar; Ceiling Raised; Floor Tile; Floor Vinyl; Furnished - All; Kitchen Island; Lighting Recessed; Washer/Dryer Hookup; Window Treatment All Appliances: Auto Garage Door Opn; Cooktop; Dishwasher; Dryer; Microwave; Oven Self Cleaning; Refrigerator; Refrigerator W/IceMk; Smoke Detector; Washer Utilities: Electric; Public Sewer; Public Water; TV Cable Energy: AC - Central Elect; Ceiling Fans; Heat Cntrl Electric; Water Heater - Elect Master Bedroom: Second Bedroom: First; Second Living Room: First Rooms: Bedroom; Bunk Room; Dining Room; Laundry; Living Room; Master Bedroom Financing: Conventional; FHA; VA; Other Fees Include: Ground Keeping; Management; Recreational Faclty

Room Information

Dining Room Level: First Dimensions: 23 x 17 Length: 23.00 Width: 17.00 Remarks: buyer - please verify Dimensions: 23 x 17 Living Room Level: First Dimensions: 21 x 18 Length: 21.00 Width: 18.00 Remarks: buyer - please verify Dimensions: 21 x 18 Bedroom Level: First Dimensions: 14 x 12 Length: 14.00 Width: 12.00 Remarks: buyer - please verify Dimensions: 14 x 12 Bedroom Level: First Dimensions: 14 x 14 Length: 14.00 Width: 14.00 Remarks: buyer - please verify Dimensions: 14 x 14 Master Bedroom Level: Second Dimensions: 21 x 15 Length: 21.00 Width: 15.00 Remarks: buyer - please verify Dimensions: 21 x 15 Bedroom Level: Second Dimensions: 17 x 11 Length: 17.00 Width: 11.00 Remarks: buyer - please verify Dimensions: 17 x 11 Bedroom Level: Second Dimensions: 11 x 11 Length: 11.00 Width: 11.00 Remarks: buyer - please verify Dimensions: 11 x 11 Bunk Room Level: Second Dimensions: 6 x 6 Length: 6.00 Width: 6.00 Remarks: buyer - please verify Dimensions: 6 x 6 Laundry Level: First Dimensions: 8 x 6 Length: 8.00 Width: 6.00 Remarks: buyer - please verify Dimensions: 8 x 6
Listing Office: Real Broker LLC
Last Updated: November - 25 - 2025
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