OFF MARKET

Off market mar 2024 for $850K

$842,388

Est. refi paymentEst. refi $6,351/mo

•

2,274

sq ft

21 Ruby Cv, Miramar Beach, FL 32550

About this home

***Priced over $50k less than last 4BR/3BA sale!***. This one has 4BAs! Live and Play at the beach! ''Lonni's Gem'' is a 4BR/4BA Beach House in the Gated Beach Neighborhood of Emerald Shores just off Scenic Gulf Drive! Walk to the neighborhood's private beach cabana with restrooms, picnic tables, & bar directly on the beach! Other neighborhood amenities include 2 pools and a tennis court. Great location central to all of Destin & Miramar Beach activities. Nice updates including Granite, Tile Flooring downstairs and an Upgraded Tile Shower in the Master Bathroom! Currently furnished to sleep 12 with a king bed, 2 queen beds, 2 Fulls & a sleeper sofa in the living room. Good rental history with great potential for more! All pertinent information to be verified.

Single-familyProperty Type

1998Year Built

3,484 sq ftLot Size

$370Est. Price/Sq.Ft.

2 spacesParking

Listed by Terry Edwards • Crystal Waters Realty Inc

Listed by Broker, Crystal Waters Realty Grannan • Crystal Waters Realty Inc

Bought with Broker, Crystal Waters Realty Grannan • Crystal Waters Realty Inc

Bought with Terry Edwards • Crystal Waters Realty Inc

Redfin checked: 2 minutes ago

•Source:ECAR #911854

Redfin Estimate

$842,388

$7,612 since sold in March 2024$47K since October

Recently sold homes
Estimate history
Homes for sale

This home's estimate is 11.6% lower than the average sale price ($953K) of 6 comparable homes.

SOLD SEP 25, 2026
$1,055,000
A
4 beds4 baths2,290 sq ft
106 Terra Cotta Way, Destin, FL 32541
SOLD OCT 15, 2026
$970,000
B
4 beds3 baths2,100 sq ft
4779 Bonaire Cay, Destin, FL 32541
SOLD FEB 27, 2026
$1,135,000
C
5 beds3.5 baths2,374 sq ft
21 Onyx Cv, Miramar Beach, FL 32550
SOLD NOV 21, 2025
$1,175,000
D
4 beds4 baths2,200 sq ft
4819 Ocean Blvd, Destin, FL 32541
SOLD SEP 18, 2026
$935,000
E
3 beds3 baths2,244 sq ft
4789 Bonaire Cay, Destin, FL 32541
SOLD OCT 2, 2026
$450,000
F
3 beds2.5 baths1,662 sq ft
4790 W Trovare, Destin, FL 32541

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Earn from this home

Sell

$144,950

Est. take-home

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Refinance

Est. cash available

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Rent

$4,684/mo

Redfin rental estimate

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Market trends in 32550, FL

Last updated October 2026

Buyer's Market

Seller's Market

Buyer's market

Sale-to-list price

95.3%

0.1% MoM

Median sale price

$701K

$10K MoM

Avg. days on market

108d

2 days MoM

Recently sold homes

196

6 MoM

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See all

Provided by Redfin

Sale history for 21 Ruby Cv

Date

Event

Price

ECAR #911854

Mar 27, 2024

Sold

$850,000

$374/sq ft

Mar 16, 2024

Pending

—

Jan 8, 2024

Price Changed

$894,900

$394/sq ft

Jan 2, 2024

Relisted

—

Dec 7, 2023

Price Changed

$895,000

$394/sq ft

Dec 5, 2023

Price Changed

$949,300

$417/sq ft

Sep 23, 2023

Price Changed

$949,400

$418/sq ft

Sep 1, 2023

Relisted

—

Aug 29, 2023

Price Changed

$949,500

$418/sq ft

Jul 23, 2023

Price Changed

$995,000

$438/sq ft

Nov 13, 2022

Listed

$1,100,000

$484/sq ft

ECAR #744336

Feb 19, 2016

Sold

$474,000

$208/sq ft

Jan 11, 2016

Listed

$499,000

$219/sq ft

+23

Ruby Cove is one of the gem streets in the delightful community of Emerald Shores. This 4 bedroom 4 bath home has been recently remodeled and updated. There are new tile floors throughout the home except for the new carpet in the bedrooms. The kitchen and bathroom counter tops are granite. 21 Ruby Cove comes with stainless steel appliances and fully furnished for a vacation rental. Owner has 3 lock out closets for personal items. A large paved side yard is great for grilling or just relaxing. Emerald Shores has a private beach pavilion, two swimming pools, and tennis court. Located in Miramar Beach close to golf courses, shopping, and excellent restaurants. This gated community really has everything for a perfect beach home. The seller is a Florida real estate agent.

Public Records

May 27, 1993

Sold

$39,550

$17/sq ft

Tax history for 21 Ruby Cv

*Taxable value of land and structures on it ("additions") is determined regularly by local assessors and does not affect market price.

Public record

Public record
Zoning

Beds

Baths

Stories

Lot width

2 ft.

Lot depth

6 ft.

Lot size

3,273 Sq. Ft.

Year renovated

1998

Sq. Ft.

2,274

Year built

1998

Style

Single Family Residential

County

Walton County

APN

302S21428300000760

Parking Spaces

—

Basement

—

Accessible

—

HOA Dues

—

Garage

—

Features

—

Last updated by owner on Sep 9, 2026.

Coastal Center District

This district is primarily residential, allowing medium residential densities and supporting uses. All development is required to be connected to a public water and sewer system.

Permitted uses

Include but are not limited to:

Bank
Day care facility
Housing-Single unit
Housing-Multiple units
Mixed use building
Office
Medical office
Educational/school
Library
Museum / gallery

Property details

Parking

Parking Information
No
No
Driveway Spaces: 2.00

Interior

Bedroom Information
Bedrooms: 4
Bedroom: Second, Third
Master Bedroom: Second

Bathroom Information
Full Baths: 4
Half Baths: 0
Total Baths: 4.00
Full Bathroom: First, Second, Third
Master Bedroom/Master Bath: MBath Double Vanity, MBath Shower Only, MBath Tile, MBed Carpeted

Room Information
Rooms: Bedroom, Dining Room, Foyer, Full Bathroom, Kitchen, Master Bathroom, Master Bedroom, Sitting Room
Kitchen: First

Room 1
Dining Room
Area: 578.00
Dimensions: 34 x 17
Length: 34.00
Width: 17.00
Level: 1
Remarks: Dining/Living Combo

Room 2
Kitchen
Area: 132.00
Dimensions: 12 x 11
Length: 12.00
Width: 11.00
Level: 1

Room 3
Master Bedroom
Area: 217.50
Dimensions: 15 x 14.5
Length: 15.00
Width: 14.50
Level: 2

Room 4
Master Bathroom
Area: 108.75
Dimensions: 14.5 x 7.5
Length: 14.50
Width: 7.50
Level: 2

Room 5
Bedroom
Area: 156.00
Dimensions: 13 x 12
Length: 13.00
Width: 12.00
Level: 2

Room 6
Bedroom
Area: 108.00
Dimensions: 12 x 9
Length: 12.00
Width: 9.00
Level: 2

Room 7
Bedroom
Area: 121.00
Dimensions: 11 x 11
Length: 11.00
Width: 11.00
Level: 3

Room 8
Sitting Room
Area: 105.00
Dimensions: 10.5 x 10
Length: 10.50
Width: 10.00
Level: 2

Room 9
Foyer
Area: 78.75
Dimensions: 10.5 x 7.5
Length: 10.50
Width: 7.50
Level: 1

Room 10
Full Bathroom
Area: 76.50
Dimensions: 9 x 8.5
Length: 9.00
Width: 8.50
Level: 1

Room 11
Full Bathroom
Area: 93.50
Dimensions: 11 x 8.5
Length: 11.00
Width: 8.50
Level: 2

Room 12
Full Bathroom
Area: 84.00
Dimensions: 14 x 6
Length: 14.00
Width: 6.00
Level: 3

Interior Features
Appliances: Dishwasher, Disposal, Dryer, Microwave, Oven Self Cleaning, Refrigerator W/IceMk, Smoke Detector, Smooth Stovetop Rnge, Washer
Interior: Breakfast Bar, Ceiling Crwn Molding, Floor Tile, Floor WW Carpet, Furnished - All, Kitchen Island, Owner's Closet, Pantry, Washer/Dryer Hookup, Window Treatment All

Exterior

Exterior Features
Has Pool
Pool Type: Community
Exterior: Balcony, BBQ Pit/Grill, Deck Covered, Sprinkler System

Lot Information
Acreage: 0.08
Lot Dimensions: 37x55x55x59
Lot Features: Covenants, Cul-De-Sac, Irregular, Restrictions, Within 1/2 Mile to Water
Lot/Parcel Access: Paved Road, Private Road
Zoning: Residential Single Family

Building Information
Construction Status: Construction Complete
Construction/Siding: Frame, Roof Tile/Slate, Slab, Stucco

Financial

Tax Information
Last Tax Year: 2021
Last Taxes: 4733.65

Financial Information
Mortgage Type: Conventional
Financing: Conventional
Brokerage Interest: No Interest
Buyer
Seller

Utilities

Utility Information
Utilities: Electric, Phone, Public Sewer, Public Water, TV Cable
Energy: AC - Central Elect, Ceiling Fans, Heat Pump Air To Air, Water Heater - Elect

Location

Assessment Information
Assessment Fees: Yes
Assessment Amount: 1647.00
Assessment Paid: Quarterly
Annual Assessment Amount: $6,588

Homeowners Association Information
Fees Include: Ground Keeping, Management, Recreational Faclty, Trash, TV Cable
New Buyer Fee
$

School Information
Elementary School: Van R Butler
Middle School: Destin
High School: South Walton

Location Information
Sub Area: 1502 - Southwest Walton South
Area: 15 - Miramar/Sandestin Resort
Street #: 21
Street Name: Ruby
Street Suffix: Cove
City: Miramar Beach
County: Walton
State: FL
Zip Code: 32550
Project Name/Subdivision: EMERALD SHORES OF SOUTH WALTON
Absolute Longitude: 86.396106
Longitude: -86.396106
Latitude: 30.38299
Directions: 3 miles east of the Mid-Bay Bridge off Emerald Coast Pkwy just past the Sacred Heart Clinic. Or enter from Scenic 98 thru Leeward Key Condos.

Project Facilities
Beach, Deed Access, Dumpster, Gated Community, Pavillion/Gazebo, Pets Allowed, Picnic Area, Pool, Tennis, TV Cable

Public facts

Beds: 4
Baths: 4.0
Sq. Ft.: 2,274
Stories: 3.0
Lot Size: 3,273 square feet
Style: Single Family Residential
Year Built: 1998
Year Renovated: 1998
County: Walton County
APN: 302S21428300000760

Home facts updated by county records on Sep 8, 2026

Other

Listing Price Information
List Price: 894900.00
List Price/SqFt: 393.54

Property Information
Apx SqFt(Htd/Cooled): 2274.00
Design: Florida Cottage
Sub-Type: Detached Single Family

Listing Information
Immediate Occupancy: Immediate Occupancy

Around this home

Schools

Van R. Butler Elementary School

Public K-5 • Assigned • 8.2mi

9/10

Emerald Coast Middle School

Public 6-8 • Assigned • 16.9mi

9/10

South Walton High School

Public 9-12 • Assigned • 12.8mi

7/10

Provided by GreatSchools

Lifestyle

Provided by Walk Score and Local Logic

Climate risks

1/10 Flood Factor

Minimal risk of a flood reaching the building in the next 30 years

1/10 Fire Factor

Unlikely to be in a wildfire in next 30 years

10/10 Heat Factor

7 days above 103° expected this year, 22 days in 30 years

9/10 Wind Factor

99% chance of strong winds in next 30 years

2/10 Air Factor

0 unhealthy days expected this year, 1 days in 30 years

Provided by First Street

Historical weather

Miramar Beach, FL • 32550

Average low and high temperatures (°F)

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Sun exposure

In this area, properties receive around 9.3 hours in June and 5.4 hours in December, placing it above the U.S. average for solar exposure.

9.3 hrs

5.4 hrs

JuneDecember

Provided by Shadowmap

Estimated sale price

$801,000 – $969,000

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Home values near 21 Ruby Cv

Data from public records.

Address	Redfin Estimate
16 Ruby Cove, Miramar Beach, FL 5 Beds \| 4 Baths \| 2179 Sq. Ft.	$906,916
15 Ruby Cove, Miramar Beach, FL 3 Beds \| 3 Baths \| 1999 Sq. Ft.	$688,924

Address	Redfin Estimate
19 Ruby Cove, Miramar Beach, FL 2 Beds \| 2 Baths \| 1425 Sq. Ft.	$582,897
22 Ruby Cove, Miramar Beach, FL 5 Beds \| 3 Baths \| 2312 Sq. Ft.	$902,696

Address	Redfin Estimate
9 Ruby Cove, Miramar Beach, FL 3 Beds \| 3 Baths \| 2016 Sq. Ft.	$771,875
20 Ruby Cove, Miramar Beach, FL 3 Beds \| 2.5 Baths \| 1602 Sq. Ft.	$702,970

Property information provided by ECAR when last listed in 2022. This data may not match . Learn more.

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About this home

Redfin Estimate

Earn from this home

Market trends in 32550, FL

Sale history for 21 Ruby Cv

Tax history for 21 Ruby Cv

Public record

Property details

Around this home

Schools

Lifestyle

Climate risks

Historical weather

Sun exposure

Nearby similar homes

New listings for sale in 32550

Home values near 21 Ruby Cv

More real estate resources