Agent profile image in chat bubble
Agent profile image in chat header

Harrison Lilly Team

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

Agent profile image in message

21 Garnet Cove , Miramar Beach, FL 32550
$799,900
Est. Payment: $4,419.33/mo
3 Bed
2 Bath
1694 Sqft
Status: Active | Days on site: 104
Get Pre-Qualified
ECU2 - E3270
By proceeding and clicking the sign up button, you consent to receive calls and texts (SMS/MMS) including marketing and promotional communications, from Harrison Lilly Team, its affiliates, and agents or vendors acting on their behalf. These communications may be delivered using an automatic telephone dialing system or by using an artificial or prerecorded voice. Message and data rates may apply. To opt out of text messages, reply STOP. Your consent is not required as a condition of any purchase. By continuing, you also agree to our Terms of Use and Privacy Policy.
Agent profile image
Harrison Lilly Team
Owner/Operator

House 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.

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?

Contact Agent

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
$4,419
Taxes
$510
HOA
$0

Home Price

$799,900

Loan Details

30 yrs
7.374%

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:
$4,419.33

Principal

Taxes

Principal Taxes HOA Total
Monthly $4,419.33 $509.94 $0.00 $4,929.27
Yearly $53,031.99 $6,119.24 $0.00 $59,151.22
Total $1,590,959.62 $183,577.05 $0.00 $1,774,536.67

Today's Rates

30 Year

7.37%

20 Year

7.27%

15 Year

6.8%

Never Miss a Property

Be the first to know when a property hits the market.

Current Listings

Last 30 Days
N/A
Oct 2026

Average Price

All Price Ranges
N/A
Oct 2026

Average Days on Market

All Price Ranges
N/A
Oct 2026
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: 2026-10-07T06:31:40.000Z

© 2026 Emerald Coast Multiple Listing Services