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Harrison Lilly Team

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

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445 Gulf Shore Dr Unit 208 , Destin, FL 32541
$270,000
Est. Payment: $1,491.71/mo
1 Bed
1 Bath
735 Sqft
Status: Active | Days on site: 146
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Harrison Lilly Team
Owner/Operator

House Description

BACK ON MARKET, NO FAULT TO SELLER. Located on coveted Holiday Isle, this fully furnished, professionally designed waterfront townhome sits in one of Destin's most exclusive and tightly held positions, directly on both the canal and harbor with deeded beach access just moments away. Opportunities like this don't come up often, and when they do, they rarely feel this refined. Thoughtfully designed and professionally curated, this residence offers a one-bedroom layout that lives far larger than its footprint suggests. Every inch has been intentionally planned to maximize flow, natural light, and livability, creating a space that feels open, elevated, and incredibly comfortable. The interior design brings a true sense of coastal sophistication, blending soft textures, curated furnishings, and a calming palette that makes the entire home feel like a private retreat. It is the kind of space where nothing feels wasted and everything feels considered. Out back is where the lifestyle truly unfolds. Your private waterfront setting sits directly on the canal with immediate access to the Destin Harbor, making boating part of everyday life. Mornings are quiet and peaceful on the water, afternoons are spent out exploring the Gulf, and evenings often end with sunsets reflecting across the harbor and fireworks lighting up the sky. This property also performs beautifully as an investment, currently operating as a successful rental with strong net returns and being offered fully turnkey. Low HOA fees make ownership even more attractive, especially in a waterfront location of this caliber. With harbor and canal frontage, deeded beach access, designer furnishings, and established income performance, this is a rare opportunity that blends lifestyle and investment in a way few properties can. Some homes are simply well designed. This one feels like it was designed exactly for the way you want to live.

Highlights

Listed by Jessica Mackrael , 850-687-9888 Coldwell Banker Realty , 850-897-4563. Emerald Coast Multiple Listing Services

Property Type

Condo/Townhome

HOA Fee

Year Built

1987

County

Okaloosa

Area

14 - Destin

Neighborhood

Canal Place Ph 1

Listing ID

1002907

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:1
  • ▪ Bathrooms:1
  • ▪ Full Bathrooms:1
Appliances:Dishwasher, Disposal, Dryer, Microwave, Refrigerator, Refrigerator W/IceMk, Stove/Oven Electric, Washer, Water Heater - Elect
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Vinyl
Other:
  • ▪ Additional:Breakfast Bar, Lighting Recessed, Owner's Closet, Washer/Dryer Hookup

Exterior Features

Lot:Bulkhead/Seawall,Covenants,Cul-De-Sac,Dead End,Restrictions,Within 1/2 Mile to Water,Canal,Harbor
Others:
  • ▪ Additional:Balcony, Deck Covered, Deck Open
Sewer:Public Sewer
Principal Interest
$1,492
Taxes
$172
HOA
$0

Home Price

$270,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$54,000
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:
$1,491.71

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,491.71 $172.13 $0.00 $1,663.84
Yearly $17,900.53 $2,065.50 $0.00 $19,966.03
Total $537,016.00 $61,965.00 $0.00 $598,981.00

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: 2026-10-07T06:31:40.000Z

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