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Harrison Lilly

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

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3586 Waverly Cir , Destin, FL 32541
$1,275,000
Est. Payment: $6,466.56/mo
3 Bed
4 Bath
2206 Sqft
Status: active | Days on site: 216
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

3586 Waverly offers a rare opportunity to own a highly versatile coastal property that combines strong rental performance, private resort-style amenities, and an exceptional beach lifestyle within the gated community of Destin Pointe. Designed for buyers seeking a balance of personal enjoyment and investment potential, the home delivers the flexibility to enjoy as a private retreat while also capitalizing on the area's consistent vacation rental demand -- all while offering an easier ownership experience than many properties with direct Gulf-front exposure. Already demonstrating impressive income potential, the property currently has $95,801 in rental income on the books for 2026 as of May 2026, reinforcing its strong appeal among vacation guests and repeat visitors alike. Several features help distinguish 3586 Waverly within the Destin Pointe market, including a private pool, elevator access, walkability to the beach, and a layout well-suited for multigenerational use and larger groups. The converted garage serves as a dedicated game and entertainment space with additional sleeping accommodations, enhancing both guest experience and rental flexibility. Inside, the home was thoughtfully designed for comfort, privacy, and gathering. The main level features three ensuite bedrooms, providing an ideal setup for hosting multiple families or guests while maintaining privacy throughout the home. Upstairs, vaulted ceilings and expansive windows create a bright and inviting living space centered around the kitchen, dining, and entertaining areas, all filled with natural light and peaceful views. Every floor offers balcony access, creating seamless indoor-outdoor living and multiple opportunities to enjoy the coastal setting. The screened porch overlooking the pool adds another layer to the ownership experience -- offering a shaded retreat for outdoor dining, relaxing after the beach, or conveniently storing beach gear between outings. Owners and guests enjoy access to the extensive amenities of Destin Pointe, including gated beach access, two community pools -- including a zero-entry Gulf-front pool -- hot tubs, tennis courts, shuffleboard, scenic walking paths, and the privacy and security of one of Destin's most desirable gated beach communities.More than simply a beach home, 3586 Waverly offers a lifestyle-driven ownership opportunity centered around flexibility, comfort, entertainment, and long-term enjoyment in the heart of Destin.

Highlights

Listed by At The Beach Team , 850-654-3325 and Courtney Ledezma , 850-608-0677 Keller Williams Realty Destin , 850-654-2900. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.09

HOA Fee

Year Built

2006

County

Okaloosa

Area

14 - Destin

Neighborhood

Destin Pointe

Listing ID

993255

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:4
  • Full Bathrooms:3
  • 1/2 Bathrooms:1
Appliances:Cooktop, Dishwasher, Disposal, Dryer, Microwave, Oven Self Cleaning, Stove/Oven Electric, Stove/Oven Gas, Washer, Wine Refrigerator, Water Heater - Elect
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Hardwood,Floor Tile
Other:
  • Additional:Breakfast Bar, Ceiling Beamed, Ceiling Crwn Molding, Ceiling Vaulted, Kitchen Island, Lighting Recessed, Upgraded Media Wing, Walls Wainscoting, Washer/Dryer Hookup

Exterior Features

Lot:Covenants,Flood Insurance Req,Restrictions,Sidewalk,Within 1/2 Mile to Water,Lake
Lot Dimensions:60x98x27x100
Zoning:Resid Single Family
Others:
  • Additional:Balcony, Fenced Back Yard, Shower, Sprinkler System, Porch, Porch Screened, Fenced Lot-Part
Sewer:Public Sewer
Parking Features:Guest

Open House

Upcoming Open Houses
Thursday 11:00 am - 2:00 pm Aug 20
Principal Interest
$6,467
Taxes
$1,259
HOA
$0

Home Price

$1,275,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$255,000
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:
$6,466.56

Principal

Taxes

Principal Taxes HOA Total
Monthly $6,466.56 $1,258.92 $0.00 $7,725.48
Yearly $77,598.71 $15,107.05 $0.00 $92,705.76
Total $2,327,961.38 $453,211.50 $0.00 $2,781,172.88

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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