186 Ciboney Street, Miramar Beach, FL 32550 (MLS# 986361)

186 Ciboney Street, Miramar Beach, FL 32550

$1,349,900

Property Type: Residential Bedrooms: 5 Baths: 6 Square Footage: 3,122 Lot Size (sq. ft.): 3,485 Status: Active

Current Price: $1,349,900 List Date: 10/11/2025 Last Modified: 2/25/2026

Description

LOWER YOUR PAYMENT! Seller is offering an interest rate buydown of $25,000 for an acceptable offer, potentially lowering your interest rate to the 5's for qualified buyers, with the potential for you to lower your mortgage payment by hundreds of dollars each month. If owning at the beach has been on your radar—whether as a full-time move, a second home, or a high-performing investment—186 Ciboney Street deserves your attention. This fully furnished (negotiable) five-bedroom beach home comfortably sleeps 12 and is already operating as a successful vacation rental, with projected annual income exceeding $130,000. That's the kind of flexibility buyers are looking for: enjoy it when you're here, let it perform when you're not.

Supplements: Perfectly positioned in Miramar Beach, this home offers the ideal blend of lifestyle and convenienceclose to the beach, a short drive to dining, shopping, and entertainment, located in a strong school district, and completely move-in ready. Inside, you'll find five generously sized bedrooms, each with its own en-suite bathroom, delivering privacy and comfort for family and guests alike. High-end finishes throughout elevate the space, while thoughtfully curated artwork from local artists adds a true Emerald Coast touch. The open-concept kitchen and living area were designed for effortless entertaining, and the fenced backyard provides added privacyperfect after long beach days. Just steps from the community pool and beach access walkway, the location simply doesn't get better. No matter your goalprimary residence, second home, or income-producing propertythis home checks every box. Offered under $1.4M, 186 Ciboney stands out as one of the strongest values in the market and deserves a spot on every serious buyer's showing schedule.

More Information MLS# 986361

Contract Info

Listing Board: Emerald Coast List Price/SqFt: 432.38 List Date: 2025-09-28 Current Price: $1,349,900 List Price: $1,349,900

Location, Tax and Legal

Sub Area: 1502 - Miramar Beach S. of 98 w/exception of Sandestin Resort Elementary School: Van R Butler Middle School: Emerald Coast High School: South Walton Legal Description: LOT 5 BLK B CIBONEY PH II PB 20-5 OR 3077-4514 OR 3165-1275 OR 3173-1383 OR 3195-4256 OR 3280-4166

General Property Info

Sub-Type: Detached Single Family Design: Beach House SqFt Source: County PA Records Immediate Occupancy: Yes Garage: Yes Carport: No Pool: Yes Pool Type: Community Apx SqFt(Htd/Cooled): 3122 Bedrooms: 5 Full Baths: 5 Half Baths: 1 Total Bathrooms: 6 # Stories: 3 Year Built: 2020 Garage Spaces: 1 Acreage: 0.08

Listing Info, Tax & Legal

Is Subject Leased: No Assessment Fees: Yes Assessment Amount: 1775 Annual Assessment Amount: 3550 Assessment Paid: Semi-Annually New Buyer Fee: Yes New Buyer Fee Amt: 150 New Buyer Fee Paid: $ Last Taxes: 10270.34 Last Tax Year: 2024 Brokerage Interest: No Interest As Is: Yes

Remarks & Misc

Remarks: LOWER YOUR PAYMENT! Seller is offering an interest rate buydown of $25,000 for an acceptable offer, potentially lowering your interest rate to the 5's for qualified buyers, with the potential for you to lower your mortgage payment by hundreds of dollars each month. If owning at the beach has been on your radar—whether as a full-time move, a second home, or a high-performing investment—186 Ciboney Street deserves your attention. This fully furnished (negotiable) five-bedroom beach home comfortably sleeps 12 and is already operating as a successful vacation rental, with projected annual income exceeding $130,000. That's the kind of flexibility buyers are looking for: enjoy it when you're here, let it perform when you're not.

Construction Status

Construction Complete: 1

Parking Features

Garage Attached: 1

Lot Features

Cul-De-Sac: 1 Within 1/2 Mile to Water: 1

Project Facilities

Picnic Area: 1 Pool: 1 Short Term Rental - Allowed: 1

Construction/Siding

Concrete: 1 Roof Shingle/Shake: 1 Slab: 1 Stucco: 1

Utilities

Electric: 1 Public Sewer: 1 Public Water: 1 TV Cable: 1

Zoning

Resid Multi-Family: 1 Resid Single Family: 1

Exterior

Balcony: 1 Fenced Back Yard: 1 Patio Open: 1

Interior

Ceiling Crwn Molding: 1 Floor Tile: 1 Floor Vinyl: 1 Furnished - All: 1 Kitchen Island: 1 Lighting Recessed: 1 Owner's Closet: 1 Pantry: 1 Washer/Dryer Hookup: 1

Financing

Conventional: 1

Appliances

Auto Garage Door Opn: 1 Cooktop: 1 Dishwasher: 1 Dryer: 1 Microwave: 1 Refrigerator W/IceMk: 1 Smoke Detector: 1 Stove/Oven Electric: 1 Washer: 1

Energy

AC - Central Elect: 1 Heat Cntrl Electric: 1 Water Heater - Elect: 1

Mstr Bdrm/Mstr Bath

MBath Double Vanity: 1 MBath Garden Tub: 1 MBath Separate Shwr: 1 MBath Walk-In Closet: 1

Master Bedroom

Third: 1

Bedroom

First: 1 Second: 1

Kitchen

Second: 1

Living Room

Second: 1

Rooms

Bedroom: 1 Dining Room: 1 Kitchen: 1 Living Room: 1 Master Bedroom: 1

Fees Include

Accounting: 1 Ground Keeping: 1 Management: 1 Recreational Faclty: 1

Existing Leases

Daily/Weekly: 1

Status Change Info

Status: Active

Location Tax and Legal

Area: 15 - Miramar/Sandestin Resort Street #: 186 Street Name: Ciboney Street Suffix: Street State: FL Zip Code: 32550 County: Walton Project Name/Subdivision: Hidden Palms Parcel ID: 30-2S-21-42621-00B-0050

Property Features

Construction Status: Construction Complete Lot Features: Cul-De-Sac; Within 1/2 Mile to Water Zoning: Resid Multi-Family; Resid Single Family Parking Features: Garage Attached Project Facilities: Picnic Area; Pool; Short Term Rental - Allowed Exterior: Balcony; Fenced Back Yard; Patio Open Interior: Ceiling Crwn Molding; Floor Tile; Floor Vinyl; Furnished - All; Kitchen Island; Lighting Recessed; Owner's Closet; Pantry; Washer/Dryer Hookup Appliances: Auto Garage Door Opn; Cooktop; Dishwasher; Dryer; Microwave; Refrigerator W/IceMk; Smoke Detector; Stove/Oven Electric; Washer Utilities: Electric; Public Sewer; Public Water; TV Cable Energy: AC - Central Elect; Heat Cntrl Electric; Water Heater - Elect Master Bedroom: Third Bedroom: First; Second Kitchen: Second Living Room: Second Rooms: Bedroom; Dining Room; Kitchen; Living Room; Master Bedroom Financing: Conventional Fees Include: Accounting; Ground Keeping; Management; Recreational Faclty Existing Leases: Daily/Weekly

Room Information

Master Bedroom Level: Third Dimensions: 19 x 14.1 Length: 19.00 Width: 14.10 Dimensions: 19 x 14.1 Bedroom Level: First Dimensions: 13.2 x 12.5 Length: 13.20 Width: 12.50 Dimensions: 13.2 x 12.5 Bedroom Level: First Dimensions: 12.4 x 11.9 Length: 12.40 Width: 11.90 Dimensions: 12.4 x 11.9 Bedroom Level: Second Dimensions: 13.2 x 11.1 Length: 13.20 Width: 11.10 Dimensions: 13.2 x 11.1 Living Room Level: Second Dimensions: 20.8 x 16.9 Length: 20.80 Width: 16.90 Dimensions: 20.8 x 16.9 Dining Room Level: Second Dimensions: 12.4 x 10 Length: 12.40 Width: 10.00 Dimensions: 12.4 x 10 Kitchen Level: Second Dimensions: 17 x 11 Length: 17.00 Width: 11.00 Dimensions: 17 x 11

Listing Office: Compass

Listing Agent: Daniel D Walker

Last Updated: February - 25 - 2026

All information is believed to be accurate but is not guaranteed. Protected by Copyright© 2026 and is owned either by the Emerald Coast Association of REALTORS®, Inc or by the developers of the software, FBS, Inc. All rights reserved.