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Harrison Lilly

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

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2809 Scenic Hwy 98 , Destin, FL 32541
$2,825,000
Est. Payment: $14,326.38/mo
6 Bed
5 Bath
2630 Sqft
Status: active | Days on site: 161
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

YEAR TO DATE BOOKINGS AS OF JULY 1, 2026, $217,086.52 Located directly along Scenic Hwy 98 on a prominent corner lot, this exceptional three-story coastal retreat offers Gulf views from the second & third levels and is just 0.1 miles from the Shirah Beach Access, a leisurely 2-minute stroll to the sugar-white sands. Thoughtfully designed & impeccably maintained, the property presents a rare ''two-homes-in-one'' configuration ideal for personal enjoyment & high-performing short-term rental use. The 4-bedroom main residence is complemented by a separate 2-bedroom carriage house, with a heated pool & pool deck serving as the private focal point between the two structures. This flexible layout provides privacy & versatility well-suited for hosting guests, multi-generational living, or maximizing rental potential. The carriage house also features a kitchenette, a full bathroom, and a walk-in closet, offering comfortable & independent accommodations. The home is tastefully decorated & offered turnkey, featuring solid surface flooring throughout, multiple living areas, and balconies positioned to capture Gulf breezes & views. A golf cart is included, enhancing convenience for beach access & easy enjoyment of the surrounding coastal community. From an investment perspective, the property demonstrates outstanding performance, generating $225.1K in rental income in 2024, $235.4K in 2025, and already securing $129.2K in confirmed bookings for 2026. With its prime Scenic 98 location, Gulf views, flexible accommodations, and proven income history, this offering represents a compelling opportunity in one of Destin's most sought-after beach communities.

Highlights

Listed by Abbott Martin Group , 850-460-2900 and Deborah F Byron , 850-499-9060 EXP Realty LLC , 850-460-2900. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.17

Year Built

2004

County

Okaloosa

Area

14 - Destin

Neighborhood

Crystal Beach

Listing ID

994900

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:6
  • Bathrooms:5
  • Full Bathrooms:5
Appliances:Dishwasher, Disposal, Dryer, Microwave, Oven Self Cleaning, Range Hood, Refrigerator W/IceMk, Smoke Detector, Smooth Stovetop Rnge, Stove/Oven Electric, Washer, Water Heater - Elect
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Hardwood,Floor Tile
Other:
  • Additional:Breakfast Bar, Ceiling Crwn Molding, Ceiling Raised, Guest Quarters, Lighting Recessed, Owner's Closet, Washer/Dryer Hookup

Exterior Features

Lot:Corner,Sidewalk,Within 1/2 Mile to Water
Lot Dimensions:50 x 150
Zoning:Resid Single Family
Others:
  • Additional:Balcony, Fenced Back Yard, Lawn Pump, Pool - Gunite Concrt, Pool - House, Sprinkler System, Deck Covered, Deck Open, Patio Open, Porch, Fenced Lot-All
Sewer:Public Sewer
Principal Interest
$14,326
Taxes
$1,910

Home Price

$2,825,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$565,000
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:
$14,326.38

Principal

Taxes

Principal Taxes HOA Total
Monthly $14,326.38 $1,910.19 $0.00 $16,236.57
Yearly $171,916.55 $22,922.26 $0.00 $194,838.81
Total $5,157,496.39 $687,667.80 $0.00 $5,845,164.19

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

6%

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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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