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

Harrison Lilly

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

Agent profile image in message

220 N Saint Francis Dr , Miramar Beach, FL 32550
$1,800,000
Est. Payment: $9,129.26/mo
6 Bed
5 Bath
3155 Sqft
Status: active | Days on site: 2
Get Pre-Qualified
VCR-C15903466 - VCR-C159091383,VCR-C159052275

By providing your number, you are expressly consenting, in writing, to receive telemarketing and other messages, including calls or texts at the number you provided above. This consent is not required to purchase any good or service. Message and data rates may apply. Text STOP to cancel.

This site is protected by reCAPTCHA and the GooglePrivacy Policy and Terms of Service apply.

Agent profile image
Harrison Lilly
Owner/Operator

House Description

A private courtyard pool anchors this fully furnished contemporary residence in gated Emerald Waters Village, bringing resort-style outdoor living to the center of the home. Built in 2019 and spanning approximately 3,155 square feet across two levels, the residence offers seven sleeping rooms and four baths, a two-car garage, and accommodations for up to 16 guests. Deeded beach access, easily reached through the footpath and gate from the community to ''Old 98''. Rather than placing the pool behind the house, the architecture wraps around it, with floor-to-ceiling black-framed glass along two sides and a covered loggia on the third. The kitchen, living and dining areas open directly to the courtyard, keeping the water in view throughout much of the main level. The result is a pool that functions as a second living room rather than a separate outdoor amenity. Under the covered loggia, a plank wood ceiling, recessed lighting and ceiling fan create a comfortable gathering space with a mounted television, built-in grill and dining area. Travertine pavers, river-rock borders, mosaic waterline tile and color-changing pool lighting complete the courtyard, extending its use from afternoons by the water to dinner and night swimming. Inside, raised ceilings, hardwood and tile flooring, designer lighting and warm wood accents give the contemporary interiors texture and depth. The kitchen centers on a waterfall-edge island and Thermador appliances, while a linear gas fireplace A private courtyard pool anchors this fully furnished contemporary residence in gated Emerald Waters Village, bringing resort-style outdoor living to the center of the home. Built in 2019 and spanning approximately 3,155 square feet across two levels, the residence offers seven sleeping rooms and four baths, a two-car garage, and accommodations for up to 16 guests. Deeded beach access, easily reached through the footpath and gate from the community to "Old 98". Under the covered loggia, a plank wood ceiling, recessed lighting and ceiling fan create a comfortable gathering space with a mounted television, built-in grill and dining area. Travertine pavers, river-rock borders, mosaic waterline tile and color-changing pool lighting complete the courtyard, extending its use from afternoons by the water to dinner and night swimming. Inside, raised ceilings, hardwood and tile flooring, designer lighting and warm wood accents give the contemporary interiors texture and depth. The kitchen centers on a waterfall-edge island and Thermador appliances, while a linear gas fireplace anchors a wood-clad feature wall. The first-floor primary suite includes a sitting area and walk-in closet. Upstairs, a wet bar and a second family room provides the perfect gathering space and creates separation among the sleeping areas, while bunk accommodations contribute to the home's guest capacity. Built-in shelving, a wet bar and an owner's closet add functionality for both personal stays and rental use. The property is offered fully furnished with a two-car garage and additional driveway parking. Emerald Waters Village is a gated, short-term-rental-friendly community with two community pools, including one just steps from the home. Positioned on a cul-de-sac and steps from the beach pedestrian gate to the deeded beach access. The golf-cart-friendly location sits between Destin and 30A, with Grand Boulevard, Baytowne Wharf, Silver Sands and the restaurants, shopping and entertainment of the Emerald Coast within easy reach. With a private pool at the heart of the architecture, accommodations for up to 16 and an established rental setup, the home combines the features of a coastal retreat with the practical advantages of a turnkey second home or investment property.

Highlights

Listed by The Richards Group , 850-502-6035 Compass , 850-296-9769. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.09

HOA Fee

Year Built

2019

County

Walton

Area

15 - Miramar/Sandestin Resort

Neighborhood

Emerald Waters Village

Listing ID

1009982

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • Bedrooms:6
  • Bathrooms:5
  • Full Bathrooms:4
  • 1/2 Bathrooms:1
Appliances:Auto Garage Door Opn, Dishwasher, Disposal, Dryer, Ice Machine, Microwave, Oven Self Cleaning, Range Hood, Refrigerator, Refrigerator W/IceMk, Smoke Detector, Smooth Stovetop Rnge, Stove/Oven Electric, Stove/Oven Gas, Washer, Water Heater - Tnkls
Air Cond:Ceiling Fans
Fireplaces:
Floor:Floor Hardwood,Floor Tile,Floor Vinyl
Other:
  • Additional:Breakfast Bar, Built-In Bookcases, Ceiling Raised, Fireplace, Kitchen Island, Lighting Recessed, Lighting Track, Owner's Closet, Pantry, Shelving, Split Bedroom, Washer/Dryer Hookup, Wet Bar

Exterior Features

Lot:Covenants,Cul-De-Sac,Easements,Irregular,Restrictions,Survey Available,Within 1/2 Mile to Water
Lot Dimensions:50' X 80' (IRR)
Zoning:Resid Single Family
Others:
  • Additional:Rain Gutter, Balcony, BBQ Pit/Grill, Fenced Back Yard, Lawn Pump, Shower, Sprinkler System, Porch
Parking Features:Garage,Guest

Open House

Upcoming Open Houses
Wednesday 3:00 pm - 6:00 pm Aug 26
Principal Interest
$9,129
Taxes
$842
HOA
$0

Home Price

$1,800,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$360,000
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:
$9,129.26

Principal

Taxes

Principal Taxes HOA Total
Monthly $9,129.26 $841.97 $0.00 $9,971.23
Yearly $109,551.12 $10,103.66 $0.00 $119,654.78
Total $3,286,533.74 $303,109.80 $0.00 $3,589,643.54

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

Never Miss a Property

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

Current Listings

Last 30 Days
N/A
Aug 2026

Average Price

All Price Ranges
N/A
Aug 2026

Average Days on Market

All Price Ranges
N/A
Aug 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: 2026-08-20T07:16:22.000Z

© 2026 Emerald Coast Multiple Listing Services