Miramar Beach · Community
Emerald Waters Village Homes for Sale
Seventy houses and eight open lots on four saint-named streets in western Miramar Beach, held together by an association chartered in February 1998, on a roll that records construction in every era from 1999 through 2024.
2005
Year Built
No
Gulf Front
Year built and home figures are as published by the sources cited at the foot of this page. Confirm them against the association's own documents during diligence.
About Emerald Waters Village
The name is the first thing to get right here, because more than one separately incorporated Emerald Waters community stands within a few hundred feet and only one of them is this village. Walton County's roll puts seventy-nine parcels in the village's parcel number series: seventy carrying houses, eight still open, and a single common area of about 216,494 square feet, close to five acres, recorded to its own owners association. Four streets carry every addressed lot, and all four are saints, with thirty-three on St Francis Drive North, twenty-four on St Simon Circle, fifteen on St Francis Drive South and five on St Nicholas Court. One of the thirty-three is filed under a misspelling of its own street, which is worth knowing before a search is run on the street name. Construction never really stopped. The roll shows houses finished in every recent era from 1999 through 2024, with 2005 the busiest at thirteen and 2004 next at ten, so a single street can hold quarter-century-old stock beside work completed last year. Recorded living areas spread accordingly, from about 1,413 to 5,328 square feet with the middle near 2,714, while the ground beneath them barely varies, sitting around 3,760 square feet at the middle. Water is nearer in reputation than in record: about 729 feet and the parcels of dozens of other recorded communities separate this village from the last assessed land before the shore.
HOA & Fees
The association predates the village it governs. Emerald Waters Village Owner's Association, Inc. has been on the state register since February 3, 1998, which puts it a full year in front of the oldest house it governs, and its filings are current. Its recorded holding is a single common parcel of close to five acres, which is a large share of ground for a community of this size and is the first line worth asking about, since maintaining it is where the money goes. These are single-family lots, so Florida's condominium reserve provisions do not reach this budget and the homeowners association statute governs instead; request the official records and the reserve schedule under that name. Ask as well how the association applies one set of standards to a street where houses finished in 1999 and in 2024 sit side by side, because that is the live enforcement question here rather than anything about the amenities.
Rental Policy
Recorded covenants for this village decide what a house may do, and Walton County's registration requirements apply on top of them; confirm the current text of each rather than a summary of either. A second check belongs on the same list. Because more than one separately incorporated Emerald Waters community sits nearby, including a beachside condominium association filed in 2002, make certain the rules being quoted were written for this village and not for a neighbor sharing the name. And since no parcel under this name reaches the shore, treat any beach arrangement described to a buyer as something to be produced in writing.
- Seventy houses and eight open lots
- Nearly five acres of association common area
- Four saint-named streets
- Construction recorded from 1999 through 2024
Live Inventory
Active Listings at Emerald Waters Village

$869,000
47 Saint Simon Circle
Miramar Beach, FL 32550

$1,750,000
220 Saint Francis Drive
Miramar Beach, FL 32550

$1,049,000
137 St Francis Drive
Miramar Beach, FL 32550

$1,749,000
103 St Simon Circle
Miramar Beach, FL 32550

$1,699,000
106 St Simon Circle
Miramar Beach, FL 32550
The short-term rental badge above is not a permission of record. It reflects the MLS short-term-rental field where a listing discloses one, and otherwise where the home sits. Confirm the association's current rules and the local registration requirement before relying on it.
Community Answers
Emerald Waters Village FAQ
Is there more than one Emerald Waters community here?
Yes, and the distinction sits in the record. Besides this village of seventy-nine parcels, the county roll carries a separately filed beachside condominium whose owners association has been registered since June 2002, and a further Emerald Waters owners association holding about 78,173 square feet of streets and common areas. Match a listing to its legal name before comparing anything to it.
When were the houses in Emerald Waters Village built?
Across a quarter of a century. The county records an actual year built for each of the seventy houses, spanning 1999 to 2024, with 2005 the busiest at thirteen houses and 2004 next at ten, and eight lots remain open. Vintage therefore varies house by house rather than by street.
How far is Emerald Waters Village from the water?
About 729 feet from its southern edge to the last assessed land before the shore, and that ground is not the village's. Dozens of parcels belonging to other recorded communities lie in between, so any expectation of reaching the sand should be traced to a recorded instrument rather than inferred from the distance.
Sources
- Walton County parcel outlines for the Emerald Waters Village parcel number series (accessed August 23, 2026)
- Florida Department of Revenue statewide cadastral: the same parcel number series, for years, living areas and addresses (accessed August 23, 2026)
- Emerald Waters Village Owner's Association, Inc., Florida Division of Corporations (accessed August 21, 2026)
- Emerald Waters Beachside Condominiums Owners Association, Inc., Florida Division of Corporations (accessed August 21, 2026)
- FEMA National Flood Hazard Layer: flood zone polygons over and beyond the Emerald Waters Village parcels (accessed August 23, 2026)
- USGS national hydrography record, water features west of Miramar Beach (accessed August 23, 2026)
- Florida Statutes 720.303, homeowners association powers, budgets and records (accessed August 21, 2026)
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