AN EXTRAORDINARY EXPRESSION OF EUROPEAN-INSPIRED COASTAL LUXURY. Welcome to 20 St. Francis Drive S, a beautifully reimagined residence in the gated community of Emerald Waters Village in Miramar Beach. Offering 3,489 square feet across three impressive levels, this exceptional five-bedroom, five-bathroom home is a captivating blend of sophisticated Italian design, bespoke craftsmanship, extensive renovations, and the effortless elegance of the Emerald Coast lifestyle.
From the moment you enter, the attention to detail is unmistakable. Custom solid white oak staircases, enhanced by integrated architectural LED lighting, create a striking visual statement, while designer chandeliers, refined finishes, and thoughtfully curated furnishings establish an atmosphere of understated sophistication.
The centerpiece of the residence is a spectacular custom Italian kitchen, representing an investment of approximately $100,000. Designed with exquisite white painted-glass cabinetry, elegant gold-anodized aluminum framing, integrated backlit lighting, and premium gourmet appliances, this remarkable space brings European artistry and modern functionality together. Even the cabinetry incorporates a specialized protective finish designed for the coastal environment. Throughout the home, beautifully appointed living spaces are complemented by custom-designed wardrobes with Italian lighting systems, designer fixtures, premium finishes, and distinctive furnishings, including custom pieces selected for their craftsmanship and quality. Every element has been thoughtfully considered to create a residence that feels both luxurious and inviting.
Beyond the exceptional interiors lies an equally impressive commitment to the home's overall transformation. Extensive improvements completed between 2023 and 2025 include a metal roof, updated exterior stucco and paint, replacement soffit and fascia, upgraded HVAC systems and ductwork, new water heaters, substantial plumbing improvements, and extensive interior drywall and insulation replacement. The second-floor balconies and third-floor terrace have also undergone significant restoration, incorporating updated finishes and waterproofing systems.
Outdoor living is an essential part of the experience. Enjoy Gulf views and refreshing coastal breezes from the home's beautifully updated balconies and terrace, offering inviting settings for morning coffee, sunset conversations, and memorable gatherings.
Situated within Emerald Waters Village, residents enjoy the privacy of a gated community, deeded beach access, and a community swimming pool. The sugar-white beaches and emerald waters of Miramar Beach are complemented by convenient access to exceptional dining, shopping, and entertainment.
A two-car garage and two additional dedicated parking spaces add everyday convenience to this beautifully designed coastal retreat.
More than a renovation, this residence represents a thoughtful reinvention of coastal living, where European design influences, custom architectural details, and extensive property improvements come together in one remarkable offering.
Whether enjoyed as a distinguished primary residence or an exceptional second home, 20 St. Francis Drive S offers a rare opportunity to experience the beauty of the Emerald Coast surrounded by extraordinary style, comfort, and craftsmanship.

Experience modern luxury in this newly constructed residence, thoughtfully designed with clean architectural lines, premium finishes, & exceptional indoor-outdoor living. Offering 3 ensuite bedrooms, 4 full bathrooms, & a versatile den/office that can easily serve as a 4th bedroom, this home blends style with functionality. A first-floor full bath also serves as a convenient cabana bath. The bright, open floor plan is enhanced by oversized 48 x 48 porcelain flooring, a stunning natural wood staircase, & dramatic floor-to-ceiling impact windows & sliding glass doors that fill the home with incredible natural light while seamlessly connecting the interior to the outdoor living spaces. The chef's kitchen is equipped with premium Bosch appliances, sleek custom cabinetry, & a spacious island overlooking the living & dining areas, making it perfect for everyday living & entertaining. The luxurious primary suite features a custom walk-in closet, private balcony overlooking the pool, & a spa-inspired bath complete with dual vanities, a freestanding soaking tub, & an oversized glass-enclosed shower. Each additional bedroom also enjoys its own beautifully appointed ensuite bath. Step outside to a covered terrace with summer kitchen, sparkling pool, & professionally landscaped backyard designed for the ultimate South Florida lifestyle. A rare combination of contemporary design, quality craftsmanship, & thoughtfully designed living spaces make this exceptional home truly stand out.

Harbor and bay views, beautiful sunrises and direct boating access to Tampa Bay define this exceptional waterfront estate in guard-gated Andalucia. Positioned along 84 feet of waterfront, this 4,820-square-foot residence offers an inviting balance of refined interiors, entertaining areas and resort-inspired outdoor living. A circular paver driveway and custom lighting create an elegant arrival at the double-door foyer entry. Inside, water views draw you through beautifully appointed living spaces, where premium finishes and abundant natural light establish a coastal atmosphere. The great room, anchored by a gas fireplace and built-in features, opens through expansive triple sliding glass doors to the waterfront entertaining areas. Designed for gracious hosting, the chef’s kitchen features a center island with an integrated Viking gas cooktop, dual sinks, an adjoining casual dining area and a separate wet bar and prep area with an ice maker, wine refrigeration, a second dishwasher, custom cabinetry and bar seating. The formal living room and gracious dining room welcome intimate gatherings and larger celebrations. Three guest bedrooms, two with en suite baths, offer welcoming accommodations on the main level, complemented by an additional full bath with pool access, a powder room and a dedicated laundry room. Upstairs, an inviting loft with an adjacent powder room opens to a spacious bonus room or optional fifth bedroom featuring a wet bar, refrigeration and a fireplace for additional entertaining or cozy movie nights. The private primary retreat captures harbor and bay views and opens to a private balcony with a fireplace. The primary bath features a deep jetted tub, walk-in steam shower and dual vanities, complemented by generous walk-in closets and a second laundry area. Outdoors, a private waterfront retreat awaits, centered around a resort-style heated saltwater pool with built-in seating. The expansive lanai pairs covered dining with a well-appointed outdoor kitchen featuring bar seating, a gas grill, sink and refrigeration. A separate patio with a pizza oven expands the outdoor entertaining space, while a custom sunken lounge with a gas fire pit invites relaxed conversation. At twilight, gas fire bowls and layered lighting cast a warm glow as colors shift across the water and sky, creating an enchanting backdrop for evenings accompanied by the soothing sound of the cascading waterfall feature. Equipped with water, electricity and two boat lifts rated for 10,000 and 14,000 pounds, the dock offers direct boating access to Tampa Bay, with the Gulf and beyond ready to explore. Significant home investments from 2021–2026 enhance both the residence and its waterfront amenities, including an updated kitchen and new appliances in 2021; a new tile roof, impact windows, and updates to the pool, lanai, fire features and cable railings in 2023; dock plumbing, electrical, decking and stringers in 2024; and a new pool salt system and pump in 2026. Additional features include an oversized two-car garage, plantation shutters, and a water softener and filtration system. Andalucia offers a distinctive coastal lifestyle with a 24-hour staffed gated entry, a private bayfront clubhouse, community pool, marina and yacht club, lighted tennis courts, playground, golf-cart-friendly streets and beautifully landscaped waterfront common areas. Near shopping, dining and schools, convenient access to Tampa, sports venues, recreation and Airport.