103 St Simon Circle, Miramar Beach, FL 32550
Sources: Emerald Coast MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 19, 2026, 103 St Simon Circle in Emerald Waters Village, Miramar Beach is listed at $1,749,000. That is 49% above Emerald Waters Village's median closed sale of $1,175,000 over the last 12 months (5 recorded sales). It has been 229 days on market, longer than the community's typical 113 days to contract. Listing facts: built in 2021. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 2021 · 5 yrs
- 229 days on market
About this home
Experience the charm of 103 St Simon, a luxurious 5 bedroom, 4.5 bath getaway in Miramar Beach, built with comfort and style in mind. Spanning three levels and over 2,900 square feet, this beautifully appointed home is just a quick walk or golf cart ride from the pristine white sands of the Emerald Coast and includes a private beach access for Emerald Waters Village. This home is being sold fully furnished with a golf cart..
Turnkey ready for your family vacations As you step inside, you're welcomed by an open living space designed for both comfort and entertaining. The living room features a striking shiplap accent wall with a cozy fireplace to enjoy your evenings. Just off the main living area, a stylish wet bar complete with a sink and wine cooler makes hosting effortless.
In the kitchen, elegant quartz countertops provide both beauty and durability, while coffered ceilings add architectural detail and character. The quartz island serves as both a prep space and gathering spot, featuring a built-in sink, microwave built into the island, and comfortable bar seating for casual dining or morning coffee convos. The kitchen is also equipped with stainless steel appliances, a professional-grade gas range, and a vented range hood perfect for cooking in.
Step outside to your own private resort-style retreat! The fenced in backyard features a heated saltwater pool paired with a waterfall spa. A fire pit lounge with comfortable seating invites late-night conversations, while the gas grill and outdoor dining area make it easy to enjoy meals in the open air.
Framed by palm trees and lush landscaping, the space offers a peaceful, tropical backdrop perfect for both lively gatherings and quiet afternoons by the water. On the second floor, two queen bedrooms and a custom-designed bunk room (with pacman machine) are well-suited for families or groups. The laundry is conveniently located near all of the bedrooms.
Home comes with a tankless gas Ranai for unlimited hot water for large groups. On the third floor, there are two spacious king suites which include private ensuite bathrooms and covered porches. The main master bath features a clean, modern design with high-end finishes throughout.
A freestanding soaking tub is positioned beneath two windows, bringing in natural light and offering a relaxing place to unwind. Next to it, a frameless glass walk-in shower includes marble-look porcelain tile, a built-in niche for storage, and a mosaic accent wall for added detail. The bathroom also offers separate his and her sinks with quartz countertops.
103 Saint Simon is the perfect second home for families with great rental numbers and projections. Schedule your showing today! Furnishings may have a few slight differences than the photos (I.
e. bed coverings, etc)
All 46 photos
Description provided by EXP Realty LLC and reproduced from the MLS; not independently verified.
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $9,688/mo 84%
- Taxes $1,381/mo 12%
- Insurance $520/mo 4%
$11,589/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Certified tax roll · county-average rateProperty taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
The current owner’s taxable value is below today’s asking price; after a sale the assessment is set from market value, so the estimated bill is higher. Exemptions and portability can reduce it.
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Estimate my property taxes →Adjust for your exemptions, portability, and down payment
Sources: Florida DOR certified tax roll (2025), Emerald Coast AR; millage: Florida TaxWatch 2025 How Florida Counties Compare (county-average millage); school portion estimated at ~42% of total, capped at 6.50 mills. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 103 St Simon Circle
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
| Property tax | The current owner's bill is about $11,100/yr (certified county roll, taxable value × millage). Buy at the asking price of $1,749,000 and the first-year bill resets to about $16,575/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 9.76 mills (county-average millage, estimate)); Save Our Homes caps later increases at 3%/yr. |
|---|---|
| Home and flood insurance | The average Citizens Property Insurance premium in Walton County is $1,942/yr (433 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $4,500–$9,000/yr; neither is a quote. Flood: this address maps to FEMA zone X, outside the high-risk zone; flood insurance is optional but most lenders and insurers recommend it. Statewide, a zone X flood policy runs about $500–$700/yr (FEMA Risk Rating 2.0 averages, not a quote). |
| Roof and age | Built in 2021. A newer roof and current wind-mitigation features usually mean the lower end of insurance quotes; ask for the wind-mitigation form. |
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Walton County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Natural hazard risk
FEMA National Risk Index for Walton County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
This home’s history
- 2021BuiltPer public record
- About Mar 2026Listed (per MLS)MLS reports 229 cumulative days on market as of October 19, 2026
- Aug 4, 2026First seen on movewithmomentum.comObserved at $1,839,900
- Aug 22, 2026Price cut$1,749,000 (-$90,900, -4.9%)
- NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Price & listing history
Building permits
Comparable recent sales
No closed sales of a similar home within about 10 miles in Walton County in the last 18 months are in our MLS data set, so this page shows no comparable-sales median or automated estimate for EMERALD WATERS VILLAGE. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
Momentum Property Score
55/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Coverage: 5 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟢 Buyer-leaning conditions around this listing. 12.0 months of supply in the surrounding market and 229 days on market for this home, against a 113-day area median.Days on market:this home 229Area median: 113 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate. As of September 20, 2026.
20% of homes in EMERALD WATERS VILLAGE are owner-occupied. An estimated 80% are non-owner-occupied, including 26% held in a company or trust and 63% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 64 homes matched. Community-level context.
Recent EMERALD WATERS VILLAGE sales closed near 90.8% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Emerald Coast MLS records, community-level, 12 months ending September 20, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 5 active listings in EMERALD WATERS VILLAGE, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 19, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Seen enough photos?
Want to see 103 St Simon Circle?
Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.
Listed by EXP Realty LLC · MLS # 996919
Request a showing
Similar homes for sale near EMERALD WATERS VILLAGE
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Newest listings in Miramar Beach
- 9815 W Us Highway 98 #Unit 221, Miramar Beach · $435,000 · 3 bd / 3.0 ba · listed October 18, 2026 (courtesy of Wooley Luxury Properties LLC)
- 1451 Baytowne Avenue, Miramar Beach · $1,595,000 · 3 bd / 3.5 ba · listed October 18, 2026 (courtesy of Paradise Property Brokers Inc)
- 74 Walton Drive, Miramar Beach · $994,000 · 4 bd / 3.5 ba · listed October 18, 2026 (courtesy of EXP Realty LLC)
- 200 N Sandestin Lane #1006, Miramar Beach · $259,000 · 2 bd / 2.0 ba · listed October 17, 2026 (courtesy of The Agency Northwest Florida Beaches)
- 548 Sandy Cay Drive #Unit 214, Miramar Beach · $500,000 · 2 bd / 2.0 ba · listed October 16, 2026 (courtesy of Pinnacle Realty Advisors)
- 170 Hideaway Bay Drive, Miramar Beach · $2,895,000 · 4 bd / 5.0 ba · listed October 16, 2026 (courtesy of EXP Realty LLC)
Recently off market in EMERALD WATERS VILLAGE
- 95 St. Simon Circle · last listed $875,000 · 2026-09-12
- 36 S St. Francis Drive · last listed $1,399,000 · 2026-09-12
- 20 St Francis Drive · last listed $2,399,000 · 2026-09-12
Just listed: new homes for sale in the Emerald Coast in the last 48 hours · updated hourly · RSS · The Emerald Coast market today: new listings, price cuts, pendings
More on EMERALD WATERS VILLAGE
Go deeper on EMERALD WATERS VILLAGE
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Assigned schools
Schools currently assigned to this address in Walton County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Buyer research checklist
Items worth confirming for 103 St Simon Circle, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2021: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
- Confirm whether a mandatory HOA applies to this parcel and what it charges.
- FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
- Get a homeowners insurance quote for this specific address in Walton County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Confirm square footage and room dimensions independently.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $16,575/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $5,475 more per year than the current owner’s estimated bill (+49%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Data sources & freshness
| Listing record | Emerald Coast MLS, checked against the MLS hourly (last: October 19, 2026) |
| Comparable sales | Fewer than 3 defensible closed sales within about 10 miles in Walton County — no medians or automated estimate shown |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone X shown above) |
| Taxes & monthly cost | Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of Emerald Coast MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 103 St Simon Circle and when was it built?
Per the listing record, 103 St Simon Circle was built in 2021 and has 5 bedrooms and 4.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 103 St Simon Circle in?
103 St Simon Circle is in Emerald Waters Village in Miramar Beach, Walton County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
Why might property taxes on 103 St Simon Circle differ from the current owner's?
The estimate on this page (about $16,575 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $5,475 more per year than the current owner’s estimated bill (+49%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 103 St Simon Circle in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
See 103 St Simon Circle in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Momentum Realty · licensed in FL & GA
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Emerald Coast Association of REALTORS® Internet Data Exchange. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: Emerald Coast Association of REALTORS®. © 2026 Emerald Coast Association of REALTORS®, Inc. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.