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Harrison Lilly

Owner/Operator | Harrison Lilly Emerald Coast | Harrison Lilly Realty | PLACE

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21 Garnet Cove , Miramar Beach, FL 32550
$799,900
Est. Payment: $4,056.94/mo
3 Bed
2 Bath
1694 Sqft
Status: active | Days on site: 22
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Discover coastal living just steps from the sugar-white sands of the Emerald Coast in this beautifully maintained 3-bedroom, 2-bath home with a spacious third-floor loft in the gated community of Emerald Shores. Ideally positioned approximately 300 yards from the community's private beach access and adjacent to one of two community pools, this property offers an exceptional combination of location, convenience, and rental potential. The first floor features an open and inviting layout with tile flooring throughout, a well-appointed kitchen, generous dining area, and a spacious primary suite. Upstairs, two guest bedrooms share a full bath and each offer French doors opening to an expansive balcony, creating the perfect space to enjoy coastal breezes. The third-floor loft provides flexible space for additional sleeping accommodations, a media room, home office, or recreation area. Offered fully rental-ready, this home is an excellent opportunity for a primary residence, second home, or investment property. Residents and guests enjoy access to two community pools, tennis courts, and the highly desirable Emerald Shores beach pavilion with controlled access to the Gulf of America, all within a short stroll from the home. Whether you're seeking a beach retreat or an income-producing coastal property, this Emerald Shores gem delivers the best of Destin-area living in one of the community's most sought-after locations.

Highlights

Listed by Bonnie S Hall , 850-240-9901 Coldwell Banker Realty , 850-650-4563. Emerald Coast Multiple Listing Services

Property Type

Residential

HOA Fee

Year Built

1993

County

Walton

Area

15 - Miramar/Sandestin Resort

Neighborhood

Emerald Shores

Listing ID

1006099

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Dishwasher, Dryer, Microwave, Refrigerator, Washer
Air Cond:Central Air
Fireplaces:
Floor:Floor Tile,Floor WW Carpet

Exterior Features

Lot:Cul-De-Sac
Lot Dimensions:Irr
Zoning:Resid Single Family
Others:
  • Additional:Balcony, BBQ Pit/Grill, Patio Covered, Fenced Lot-All
Sewer:Public Sewer
Principal Interest
$4,057
Taxes
$510
HOA
$0

Home Price

$799,900

Loan Details

30 yrs
6.529%

Down Payment

20%
$159,980
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$4,056.94

Principal

Taxes

Principal Taxes HOA Total
Monthly $4,056.94 $509.94 $0.00 $4,566.88
Yearly $48,683.30 $6,119.24 $0.00 $54,802.54
Total $1,460,499.08 $183,577.05 $0.00 $1,644,076.13

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

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Market insight data is pulled from the same city as the listing being viewed (Miramar Beach, FL).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by Emerald Coast Multiple Listing Services, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-08-20T06:32:47.000Z

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