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Harrison Lilly Team

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

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3695 Scenic Highway 98 Unit 803 , Destin, FL 32541
$795,000
Est. Payment: $4,392.26/mo
3 Bed
3 Bath
1850 Sqft
Status: Active | Days on site: 6
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Harrison Lilly Team
Owner/Operator

House Description

BEACH. SPACE. GULF VIEWS. LOW HOA. AND NOTHING TO FIX. This beautifully maintained 3-bedroom, 3-full-bath townhome puts you just steps from the beach with private deeded beach access and a Gulf view from the third-floor suite. With approximately 1850 square feet across three floors, plus a one-car garage, this is an exceptional opportunity in a great community just off Scenic 98. The current owner has taken tremendous pride in this home, extensively updating and maintaining it with a long-term mindset. There is no deferred maintenance here--everything is in great shape and has been cared for. Recent improvements include brand-new LVP flooring throughout, recent exterior paint and newly installed gutters. The result is a home that feels fresh, well cared for and ready for its next owner. The three-story layout gives everyone room to spread out, while the third-floor suite provides a private retreat with Gulf views. The community also offers a pool, giving you another option for relaxing when you're not enjoying the beach. Another major plus: the home is being sold unfurnished. That gives you a true blank canvas to design it around your needs and style--whether you envision a full-time residence, a second home or a vacation rental. Similar 3-bedroom units in the development have consistently generated $70,000-$100,000+ in annual short-term rental revenue, offering an attractive income opportunity for buyers considering an investment property. Add in the very low HOA, one-car garage, private beach access, community pool and excellent location off Scenic 98, and this is a townhome that offers an impressive combination of location, space, updates and flexibility without bringing a list of projects along with it. Steps to the beach. Gulf views. Thoughtfully updated. Nothing to fix. And the freedom to make it yours. Beach Pointe 803 delivers the best of beachside living, with the space to live comfortably, the updates to enjoy it immediately, and the flexibility to make it your own. Come see what makes this one special. Some photos have been virtually staged for illustrative purposes. Buyer to verify all information.

Highlights

Listed by At The Beach Team , 850-654-3325 and Martin Luus , 850-296-7011 Keller Williams Realty Destin , 850-654-2900. Emerald Coast Multiple Listing Services

Property Type

Condo/Townhome

HOA Fee

Year Built

2004

County

Okaloosa

Area

14 - Destin

Neighborhood

Beach Pointe T/H

Listing ID

1013291

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:Dishwasher, Disposal, Dryer, Microwave, Refrigerator W/IceMk, Stove/Oven Electric, Washer, Water Heater - Elect
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Other:
  • ▪ Additional:Breakfast Bar, Ceiling Raised, Kitchen Island, Newly Painted

Exterior Features

Lot:Within 1/2 Mile to Water
Zoning:Resid Single Family
Others:
  • ▪ Additional:Balcony, Patio Covered
Sewer:Public Sewer
Parking Features:Guest
Principal Interest
$4,392
Taxes
$212
HOA
$0

Home Price

$795,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$159,000
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:
$4,392.26

Principal

Taxes

Principal Taxes HOA Total
Monthly $4,392.26 $212.01 $0.00 $4,604.27
Yearly $52,707.13 $2,544.16 $0.00 $55,251.29
Total $1,581,213.78 $76,324.80 $0.00 $1,657,538.58

Today's Rates

30 Year

7.37%

20 Year

7.27%

15 Year

6.8%

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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: 2026-10-07T04:14:31.000Z

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