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Harrison Lilly

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

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85 Shirah St , Destin, FL 32541
$1,050,000
Est. Payment: $5,325.40/mo
5 Bed
4 Bath
1825 Sqft
Status: pending | Days on site: 128
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

LOWEST priced property in Crystal Beach that is within 1 block of direct public beach access. Just 500 feet to the Shirah Beach Access & 0.2 miles to the Shores of Crystal Beach Access. No HOA - 50X150 Lot - Private Pool - Fully Furnished - Short Term Rental with Summer Bookings - Room to Expand. Positioned in a Prime location on one of the favorite streets in Crystal Beach, this 5BR/3.5BA beach cottage has been thoughtfully updated with a modern coastal aesthetic & is being sold fully furnished & rental ready with rental projections up to $112,000! Nestled between multi million dollar homes and within 2 minutes to Destin's famous white sand beaches, this little gem offers so many possibilities - use it as a Turnkey fully furnished vacation rental now while you plan a new build or expansion for the future. Very FEW opportunities like this still exist in the Crystal Beach community -particularly with this proximity to the beach & the potential for future expansive Gulf views with new construction. One of the original cottages in Crystal Beach, this charming beach home has been lovingly cared for, is well maintained & the configuration is perfect for maximizing rental capability. The kitchen has stainless appliances, granite countertops, subway tile backsplash, an undermount sink & a large breakfast bar. There are two living spaces - the main living room as well as a large bedroom/bonus room with bunks & 2nd living area. Flooring in living room/kitchen & bonus room updated with a beautiful wood look plank ceramic tile for easy care. Spacious pool deck already plumbed for natural gas, offering the perfect setup to potentially add an outdoor kitchen and elevate your entertaining space. The property offers tons of parking and plenty of room for outdoor recreation. Enjoy morning coffee by the gorgeous pool, an afternoon dip in the Gulf, head a couple of blocks to Camille's for happy hour & live music then to the beach for sunset! 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. Flood Zone X so no flood insurance is required. 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
0.17

Year Built

1979

County

Okaloosa

Area

14 - Destin

Neighborhood

Crystal Beach

Listing ID

1000420

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:5
  • Bathrooms:4
  • Full Bathrooms:3
  • 1/2 Bathrooms:1
Appliances:Dishwasher, Dryer, Microwave, Refrigerator W/IceMk, Smoke Detector, Stove/Oven Electric, Washer, Water Heater - Gas, Water Heater - Tnkls
Air Cond:Wall/Window Unit(s),Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Tile,Floor WW Carpet
Other:
  • Additional:Breakfast Bar, Lighting Recessed, Owner's Closet, Washer/Dryer Hookup

Exterior Features

Lot:Sidewalk,Within 1/2 Mile to Water
Lot Dimensions:50X150
Zoning:Resid Single Family
Others:
  • Additional:Rain Gutter, Pool - Gunite Concrt, Shower, Patio Open, Porch, Fenced Lot-Part
Sewer:Public Sewer
Principal Interest
$5,325
Taxes
$710

Home Price

$1,050,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$210,000
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:
$5,325.40

Principal

Taxes

Principal Taxes HOA Total
Monthly $5,325.40 $710.25 $0.00 $6,035.65
Yearly $63,904.82 $8,523.03 $0.00 $72,427.85
Total $1,917,144.68 $255,690.90 $0.00 $2,172,835.58

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: 2026-08-20T06:32:47.000Z

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