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Harrison Lilly

Owner/Operator | Harrison Lilly Emerald Coast | Harrison Lilly Realty | PLACE

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520 Gulf Shore Dr Unit 317 , Destin, FL 32541
$749,000
Est. Payment: $3,798.79/mo
3 Bed
4 Bath
1870 Sqft
Status: active | Days on site: 25
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Experience exceptional beachfront living from this beautifully positioned three-story residence located directly on the Gulf in the highly sought-after Aegean community. Thoughtfully designed with 3 bedrooms, 3.5 baths, and a unique floor plan rarely found along the Emerald Coast, this spacious residence captures southeast views overlooking the resort-style pool deck and lush landscaping, sugar white beaches, and the emerald waters of the Gulf beyond. Offered fully furnished (with minimal exceptions), this condo presents an outstanding opportunity as a primary residence, second home, or vacation rental investment, combining an exceptional floor plan, sparkling Gulf views, and an unbeatable beachfront location. Adding to the appeal, Aegean has already completed extensive exterior renovations and required building improvements with over $200,000 in assessments having been paid in full, offering valuable peace of mind and allowing the next owner to enjoy the benefits of these enhancements without the burden of those costs. Designed for gathering and effortless coastal living, the main level features an open living, dining, and kitchen area framed by expansive sliding glass doors that highlight the picturesque coastal setting. The spacious layout flows seamlessly to a private balcony, creating the perfect setting for morning coffee, outdoor dining, or simply unwinding while taking in the ever-changing colors of the Gulf and the gentle sounds of the waves below. A convenient half bath adds functionality for guests, while tile flooring throughout the living areas provides easy maintenance for beachside living. The kitchen offers stainless steel LG appliances, a premium Miele dishwasher, ample cabinetry, and a distinctive custom green tile backsplash that adds a touch of personality and coastal charm. The second level is thoughtfully designed to provide comfort and privacy, featuring two generously sized bedrooms, each with its own en suite bath. The primary suite enjoys access to a private balcony where gentle Gulf breezes and pleasant views of the beach and emerald waters create a relaxing setting to begin and end the day. A conveniently located laundry area with a full-size washer and dryer, along with wire shelving for additional storage, adds everyday functionality and convenience to this level. Occupying the entire third floor, a loft-style bedroom with its own full bath is currently configured as a bunk room, providing a versatile space ideal for accommodating additional guests, creating a media room, or establishing a private retreat. Comfortable carpeting throughout the bedrooms enhances the inviting atmosphere and creates a warm contrast to the tile flooring found in the main living spaces. Residents of Aegean enjoy an exceptional collection of amenities including a Gulf-front swimming pool, BBQ grilling area and gazebo, tennis courts, gated entry, and an expansive stretch of white-sand beach. Owners also benefit from access to convenient on-site beach service available at preferred owner rates. Ideally located in the heart of Destin on Holiday Isle, the community offers convenient access to dining, shopping, entertainment, and everything that makes the Emerald Coast one of the most sought-after destinations in Florida.

Highlights

Listed by Spears Group , 850-710-2114 and Bradley S Smith , 850-598-6771 Compass , 850-296-9769. Emerald Coast Multiple Listing Services

Property Type

Condo/Townhome

HOA Fee

Year Built

1975

County

Okaloosa

Area

14 - Destin

Neighborhood

Aegean Condo

Listing ID

1006018

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:4
  • Full Bathrooms:3
  • 1/2 Bathrooms:1
Appliances:Dishwasher, Disposal, Dryer, Microwave, Refrigerator W/IceMk, Smoke Detector, Smooth Stovetop Rnge, Washer, Water Heater - Elect
Air Cond:Central Air
Fireplaces:
Floor:Floor Tile,Floor WW Carpet
Other:
  • Additional:Breakfast Bar, Owner's Closet, Washer/Dryer Hookup

Exterior Features

Lot:Gulf
Others:
  • Additional:Balcony
Sewer:Public Sewer
Principal Interest
$3,799
Taxes
$594
HOA
$0

Home Price

$749,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$149,800
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$3,798.79

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,798.79 $594.47 $0.00 $4,393.26
Yearly $45,585.44 $7,133.64 $0.00 $52,719.08
Total $1,367,563.20 $214,009.20 $0.00 $1,581,572.40

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

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Market insight data is pulled from the same city as the listing being viewed (Destin, FL).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by Emerald Coast Multiple Listing Services, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-08-20T06:32:47.000Z

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