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Harrison Lilly Team

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

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609 Calhoun Ave , Destin, FL 32541
$3,740,000
Est. Payment: $20,662.96/mo
6 Bed
5 Bath
4859 Sqft
0.86 Acres
Status: Active | Days on site: 98
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EBST - E29391,E34424
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Harrison Lilly Team
Owner/Operator

House Description

Welcome to one of Destin's most unique waterfront estates. Situated on nearly an acre with approximately 88 feet of frontage on Choctawhatchee Bay, this fully renovated 6-bedroom, 5-bath estate offers luxury, privacy, and breathtaking waterfront views. Tucked behind a private gated entrance and surrounded by mature trees, the property feels like a secluded retreat while remaining just minutes from Destin's beaches, dining, shopping, and entertainment. Offering 4,859 square feet of living space, the home features a waterfront primary suite with a private balcony overlooking the bay, five additional bedrooms, and spacious indoor and outdoor living areas designed for entertaining. Outside, enjoy an expansive two-level deck, private dock, and approximately 88 feet of bay frontage. Spend your days boating to Crab Island, waterfront dining along Destin Harbor, fishing from your dock, or simply relaxing as the sun sets over the bay. A detached three-car garage provides ample room for vehicles, golf carts, and water toys, while the nearly one-acre homesite offers a rare sense of privacy. With no HOA, this exceptional bayfront property delivers the space, freedom, and waterfront lifestyle that make living on the Emerald Coast so special.

Highlights

Listed by Kelly R Sipes , 850-654-2900 and Calvina L Cutrell , 850-714-3549 Bastion Realty LLC , 850-420-1959. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.86

Year Built

1988

County

Okaloosa

Area

14 - Destin

Neighborhood

Destin Moreno Point

Listing ID

1004615

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:6
  • ▪ Bathrooms:5
  • ▪ Full Bathrooms:5
Appliances:Disposal, Microwave, Range Hood, Refrigerator W/IceMk, Stove/Oven Gas
Air Cond:Central Air
Fireplaces:Fireplace
Other:
  • ▪ Additional:Fireplace, Pantry, Pull Down Stairs, Split Bedroom, Washer/Dryer Hookup

Exterior Features

Lot:Bulkhead/Seawall,Level,Wooded,Bay
Lot Dimensions:79x150x41x151x12x230x88x565.80
Zoning:Resid Single Family
Others:
  • ▪ Additional:Deck Open
Sewer:Public Sewer
Parking Features:Detached,Garage Detached,Oversized
Principal Interest
$20,663
Taxes
$1,115

Home Price

$3,740,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$748,000
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:
$20,662.96

Principal

Taxes

Principal Taxes HOA Total
Monthly $20,662.96 $1,115.42 $0.00 $21,778.38
Yearly $247,955.54 $13,385.04 $0.00 $261,340.58
Total $7,438,666.07 $401,551.20 $0.00 $7,840,217.27

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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