Agent profile image in chat bubble
Agent profile image in chat header

Harrison Lilly Team

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

Agent profile image in message

85 Cobia St , Destin, FL 32541
$1,999,999
Est. Payment: $11,049.71/mo
6 Bed
6 Bath
2976 Sqft
0.17 Acres
Status: Active | Days on site: 76
Get Pre-Qualified
EJGP - E29572
By proceeding and clicking the sign up button, you consent to receive calls and texts (SMS/MMS) including marketing and promotional communications, from Harrison Lilly Team, its affiliates, and agents or vendors acting on their behalf. These communications may be delivered using an automatic telephone dialing system or by using an artificial or prerecorded voice. Message and data rates may apply. To opt out of text messages, reply STOP. Your consent is not required as a condition of any purchase. By continuing, you also agree to our Terms of Use and Privacy Policy.
Agent profile image
Harrison Lilly Team
Owner/Operator

House Description

''Take It Easy'' lives up to its name -- a turnkey, income-producing retreat on the east side of Crystal Beach. Located only a short walk to the sugar white sands of the Pompano Beach Access. Six bedrooms, six full baths, sleeps 16, with two living areas (one per level) and an open layout built for big groups and even bigger bookings. Out back is the showstopper: a private heated pool, pavered patio, swaying palms, and parking for four. Inside, everything's done -- fresh paint, five new walk-in showers, updated kitchen, shiplap walls/ ceilings and arcade game system that guests love. The big-ticket items are handled too: metal roof, tankless water heaters (2022), impact-rated hurricane glass and dual HVAC. This property comes with something rare: its own professional website, designed exclusively for this home. Hosting a boutique-hotel design and professional SEO tuning that leads to higher rankings resulting in more captured bookings. That's marketing edge that most homes in this class don't have. Sold fully furnished, rental-ready, it's a proven six-figure producer earning from day one. No HOA. Flood Zone X. Not in a Cobra Zone. With room to expand to seven or eight bedrooms, the upside is already built in. Homes like this don't last in Crystal Beach -- see it before the next owner does.

Highlights

Listed by Joshua G Parish , 850-797-6691 Emerald Coast Acquisitions , 850-797-6691. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.17

Year Built

2014

County

Okaloosa

Area

14 - Destin

Neighborhood

Crystal Beach

Listing ID

1006655

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:6
  • ▪ Bathrooms:6
  • ▪ Full Bathrooms:6
Appliances:Cooktop, Dishwasher, Disposal, Dryer, Freezer, Ice Machine, Microwave, Oven Self Cleaning, Refrigerator, Refrigerator W/IceMk, Smoke Detector, Smooth Stovetop Rnge, Stove/Oven Electric, Washer, Wine Refrigerator, Water Heater - Gas, Water Heater - Tnkls
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Laminate,Floor Tile
Other:
  • ▪ Additional:Breakfast Bar, Ceiling Raised, Kitchen Island, Lighting Recessed, Newly Painted, Pantry, Washer/Dryer Hookup

Exterior Features

Lot:Interior,Level,Within 1/2 Mile to Water
Lot Dimensions:50x150
Zoning:Resid Single Family
Others:
  • ▪ Additional:Pool - Gunite Concrt, Patio Covered
Sewer:Public Sewer
Principal Interest
$11,050
Taxes
$1,534

Home Price

$1,999,999

Loan Details

30 yrs
7.374%

Down Payment

20%
$400,000
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:
$11,049.71

Principal

Taxes

Principal Taxes HOA Total
Monthly $11,049.71 $1,533.67 $0.00 $12,583.37
Yearly $132,596.48 $18,404.00 $0.00 $151,000.48
Total $3,977,894.30 $552,120.00 $0.00 $4,530,014.30

Today's Rates

30 Year

7.37%

20 Year

7.27%

15 Year

6.8%

Never Miss a Property

Be the first to know when a property hits the market.

Current Listings

Last 30 Days
N/A
Oct 2026

Average Price

All Price Ranges
N/A
Oct 2026

Average Days on Market

All Price Ranges
N/A
Oct 2026
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

© 2026 Emerald Coast Multiple Listing Services