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Harrison Lilly

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

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4489 4489b Luke Ave , Destin, FL 32541
$649,000
Est. Payment: $3,291.61/mo
3 Bed
2 Bath
1257 Sqft
Status: active | Days on site: 60
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

The only house under $1M in the iconic Crystal Beach Community. Lowest price home in Crystal Beach & No HOA! Nestled among mature trees in one of Destin's most sought-after beach communities, this 3BR/2BA home offers the perfect blend of privacy, charm, and coastal living. Just 0.3 miles from public beach access with restrooms, this short-term rental-capable property is ideal as a primary residence, second home, or investment opportunity. Enjoy the Old Florida feel from the spacious 343SF wraparound porch, relax on the private back deck with no rear neighbors, and take advantage of ample room to add a pool & create a private oasis on the west side of the home. Pending City of Destin approval, a pool would be an amazing addition. The home features high ceilings, a split floorplan, large breakfast bar, newer systems, easy care tile, good size closets and is ready for your vision & decorating touch! If you have been looking for a quaint home in the heart of Crystal Beach, you know it is RARE to find anything in this price point. Located in the desirable flood zone X so no flood insurance is required; all exterior doors have been updated with impact rated glass doors & back deck was rebuilt with Trex. Don't miss your chance to own a secluded beach retreat in the heart of Crystal Beach! The iconic Crystal Beach neighborhood on Scenic Hwy 98 has it all - quick access to Destin Commons, Publix, Henderson Spa, & Henderson Beach State Park. Crystal Beach is minutes to fabulous restaurants, the Scenic 98 bike path & all that Destin has to offer. Centrally located so quick drive to both Sandestin area attractions and the Harbor District. Full time City of Destin residents are eligible for free City parking passes, Joe's Bayou Boat Launch annual sticker & reduced Henderson Beach State Park annual pass. This property has SO much potential! Make your appointment to see this fabulous piece of paradise today. Buyer to verify all pertinent information and conduct their due diligence.

Highlights

Listed by Stacey L Harris , 850-585-6477 REV Realty , 850-428-3338. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.15

Year Built

1994

County

Okaloosa

Area

14 - Destin

Neighborhood

Crystal Beach

Listing ID

1005841

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Dishwasher, Disposal, Dryer, Microwave, Oven Self Cleaning, Refrigerator W/IceMk, Smoke Detector, Stove/Oven Electric, Washer, Water Heater - Elect
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Tile,Floor WW Carpet
Other:
  • Additional:Breakfast Bar, Built-In Bookcases, Ceiling Raised, Pantry, Split Bedroom, Washer/Dryer Hookup

Exterior Features

Lot:Sidewalk,Within 1/2 Mile to Water
Lot Dimensions:75X76X62X88X12X164
Zoning:Resid Single Family
Others:
  • Additional:Deck Open, Porch Screened, Fenced Lot-Part
Sewer:Public Sewer
Principal Interest
$3,292
Taxes
$521

Home Price

$649,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$129,800
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:
$3,291.61

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,291.61 $520.66 $0.00 $3,812.26
Yearly $39,499.27 $6,247.87 $0.00 $45,747.14
Total $1,184,978.00 $187,436.10 $0.00 $1,372,414.10

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: 2026-08-20T07:16:22.000Z

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