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Harrison Lilly

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

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95 St. Simon Cir , Miramar Beach, FL 32550
$875,000
Est. Payment: $4,437.37/mo
4 Bed
4 Bath
2216 Sqft
Status: pending | Days on site: 219
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Located in the gated, Gulf-side community of Emerald Waters Village, this beautifully designed coastal home offers an exceptional opportunity to enjoy the Miramar Beach lifestyle at an attractive price point. Just a short walk from deeded beach access, the property combines solid concrete block construction, thoughtful design, and inviting living spaces in one of the area's most desirable neighborhoods. The main living level is bright, open, and designed for gathering. Large windows and high ceilings allow natural light to pour in, creating an airy, welcoming atmosphere throughout the living, dining, and kitchen spaces. The open-concept layout makes entertaining effortless, whether hosting family and friends or enjoying a relaxed evening after the beach. The kitchen features granite countertops, stainless steel appliances, and a breakfast bar that keeps the space connected and social. A spacious first-floor bedroom with an ensuite bath offers flexibility for guests or extended stays, while a laundry room and one-car garage add everyday convenience. Upstairs, the primary suite serves as a private retreat with a sitting area and access to a covered balcony a perfect spot for morning coffee, sunset views, or quiet moments between beach days. Two additional bedrooms share a Jack-and-Jill bath, providing comfortable accommodations for family or guests. Outdoors, the fenced backyard and patio extend the entertaining space, offering a private setting for grilling, gathering, or simply enjoying the coastal breeze. Emerald Waters Village features gated entry, two community pools, and walkable beach access, all just minutes from Scenic Highway 98, Silver Sands Premium Outlets, dining, and entertainment. Whether envisioned as a primary residence, second home, or investment property, this home delivers location, light-filled living, and a beach lifestyle that is increasingly hard to find at this price point in Miramar Beach.

Highlights

Listed by The Jonathan Hill Team , 205-370-5905 and Angela D Skillingstad , 318-294-2029 Legacy Hill Realty , 205-370-5905. Emerald Coast Multiple Listing Services

Property Type

Residential

HOA Fee

Year Built

2004

County

Walton

Area

15 - Miramar/Sandestin Resort

Neighborhood

Emerald Waters Village

Listing ID

992115

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:4
  • Full Bathrooms:3
  • 1/2 Bathrooms:1
Appliances:Auto Garage Door Opn, Cooktop, Dishwasher, Disposal, Dryer, Microwave, Refrigerator, Refrigerator W/IceMk, Smoke Detector, Stove/Oven Electric, Washer, Water Heater - Elect
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Hardwood,Floor Tile
Other:
  • Additional:Breakfast Bar, Ceiling Vaulted, Kitchen Island, Owner's Closet, Washer/Dryer Hookup

Exterior Features

Lot:Covenants
Lot Dimensions:45x71
Zoning:Resid Single Family
Others:
  • Additional:Balcony, BBQ Pit/Grill, Fenced Back Yard, Deck Covered, Patio Open, Fenced Privacy
Sewer:Public Sewer
Parking Features:Garage
Principal Interest
$4,437
Taxes
$562
HOA
$0

Home Price

$875,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$175,000
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:
$4,437.37

Principal

Taxes

Principal Taxes HOA Total
Monthly $4,437.37 $562.45 $0.00 $4,999.82
Yearly $53,248.49 $6,749.35 $0.00 $59,997.84
Total $1,597,454.63 $202,480.50 $0.00 $1,799,935.13

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

6%

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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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