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Harrison Lilly Team

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

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3399 Scenic Hwy 98 , Destin, FL 32541
$6,900,000
Est. Payment: $38,121.51/mo
8 Bed
11 Bath
6753 Sqft
0.46 Acres
Status: Active | Days on site: 30
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Harrison Lilly Team
Owner/Operator

House Description

Located in Crystal Beach one-of-a-kind luxury beach estate, NO HOA, where Gulf views, elegance, entertainment, resort-style amenities and cutting-edge smart-home technology come together under one roof. Three stories high, over 6700 sq ft and nearly every room has Gulf views. The home is located Directly Across from Tarpon Beach Access with the beach practically at your doorstep. The Salt Water Heated Pool is 37x20 ft, sauna, jacuzzi and covered pool lounge area with a grill and outdoor bar. The residence is suited for large families, extended stays, multi-generational vacations, and memorable group getaways. The master bathroom includes a separate steam room, creating a true spa-like retreat. The 3rd Level has DJ Booth & Disco Lights, a Mechanical Bull Arena, smoothie machine, mini bar and a balcony overlooking the Gulf. Spray Tanning booth is in the garage next to the work out equipment. The home offers a sophisticated smart-home system with a master control tablet that allows you to manage the pool, sprinklers, air conditioning, stoves, air fryers, the grill, washers & dryers. A dedicated panic room provides an additional layer of security and peace of mind. Luxury finishes and upgrades throughout, designer flooring, floor-to-ceiling tile bathrooms, quartz countertops, gas range with a custom drop-in hood vent. The home is equipped with a full-house generator and 2 golf carts included in the price. No Flood Zone. See More Section Major exterior improvements include a new metal roof, new railings and columns, new siding, and fresh exterior paint. The home is equipped with multiple AC units and a full-house generator, delivering exceptional comfort, convenience, and year-round reliability. One of the home's living spaces incorporates a chapel, offering a serene and intimate setting for worship, reflection, or special gatherings. This unique feature can also be easily adapted back into a traditional living or entertainment space to suit the new owner's vision. Parking is never a concern with 8 dedicated parking spaces, plus two golf carts included with the home. Enjoy everything the beachside lifestyle has to offer. The backyard has shaded areas, privacy fence, and enough space for adding a carriage house. Flood Zone X. This property is a must see! Too many details to list. Okaloosa County website has the effective year built 2010 based on the extensive renovations. (Actual Year Built 1992)

Highlights

Listed by Alina Jackson , 850-533-7885 Waves of the Emerald Coast Realty LLC , 850-533-7885. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.46

Year Built

2010

County

Okaloosa

Area

14 - Destin

Neighborhood

Crystal Beach

Listing ID

1011468

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:8
  • ▪ Bathrooms:11
  • ▪ Full Bathrooms:8
  • ▪ 1/2 Bathrooms:3
Appliances:Dishwasher, Disposal, Dryer, Oven Double, Range Hood, Refrigerator, Refrigerator W/IceMk, Smoke Detector, Stove/Oven Electric, Stove/Oven Gas, Washer, Wine Refrigerator, Water Heater - Elect
Air Cond:Wall/Window Unit(s),Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Laminate,Floor Tile
Other:
  • ▪ Additional:Built-In Bookcases, Ceiling Cathedral, Ceiling Vaulted, Kitchen Island, Newly Painted, Pantry, Washer/Dryer Hookup

Exterior Features

Lot:Survey Available,Within 1/2 Mile to Water
Lot Dimensions:100x200
Zoning:City, Resid Single Family
Others:
  • ▪ Additional:Balcony, BBQ Pit/Grill, Columns, Hot Tub, Sauna/Steam, Shower, Sprinkler System, Deck Covered, Patio Covered, Patio Open, Fenced Lot-All
Sewer:Public Sewer
Parking Features:Garage,Oversized
Principal Interest
$38,122
Taxes
$2,667

Home Price

$6,900,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$1,380,000
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Monthly Price:
$38,121.51

Principal

Taxes

Principal Taxes HOA Total
Monthly $38,121.51 $2,666.67 $0.00 $40,788.17
Yearly $457,458.07 $31,999.98 $0.00 $489,458.05
Total $13,723,742.21 $959,999.40 $0.00 $14,683,741.61

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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