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Harrison Lilly

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

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28 Varazze Cay , Destin, FL 32541
$1,945,000
Est. Payment: $9,864.67/mo
5 Bed
5 Bath
2814 Sqft
Status: active | Days on site: 13
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Rarely does a home of this caliber become available in Destiny By The Sea. Perfectly positioned just three homes from the sugar-white sands and emerald waters of the Gulf, this exceptional 5-bedroom, 4.5-bath residence offers 2,814 square feet of beautifully maintained living space within one of Destin's most prestigious guard-gated beachfront communities. 28 Varazze Cay has been lovingly maintained as a lightly used private second home and every detail reflects an extraordinary level of pride of ownership. This is a home that has been meticulously cared for, thoughtfully updated, and preserved in truly exceptional condition. Designed for effortless coastal living, the spacious three-level floor plan offers an ideal balance of elegance and functionality. The main living level features soaring ceilings, beautiful stone flooring, an inviting living area, and an open-concept design that flows seamlessly into the dining area and well-appointed kitchen. Complete with quartz countertops, abundant cabinetry, a large breakfast bar, and a charming breakfast nook, the kitchen is equally suited for entertaining or everyday living. A highly desirable main-level guest bedroom adds convenience and flexibility, while the remaining bedrooms provide generous accommodations for family and guests. Multiple covered balconies invite you to enjoy the Gulf breeze, with peekaboo Gulf views from the upper level providing the perfect backdrop for morning coffee or spectacular sunsets. Beyond its timeless design, this home has received an impressive list of recent improvements that set it apart from the competition. Major updates include a new tile roof (2025) with a 10-year transferable workmanship warranty, new exterior doors, new blinds, a new garage door and opener, freshly painted exterior (July 2026), and a new ice machine. The high-efficiency Carrier variable-speed HVAC system has been professionally serviced twice annually, with the exterior unit replaced approximately three years ago and protected with a specialized coastal coating for enhanced durability. Regular pest control and termite prevention treatments further reflect the owner's unwavering commitment to preventative maintenance and long-term care. Residents of Destiny By The Sea enjoy an unmatched coastal lifestyle with 24-hour guarded gate security, private deeded beach access boardwalk, a resort-style community pool, hot tub and beautifully landscaped grounds - all just steps from one of the Emerald Coast's most spectacular stretches of beach. Ideally located along Scenic Gulf Drive, you'll be minutes from Destin's finest dining, championship golf, boating, world-class fishing, Destin Commons, Grand Boulevard, Baytowne Wharf, HarborWalk Village, and Silver Sands Premium Outlets. Whether you're searching for an exceptional primary residence, an exclusive coastal retreat, or a premier investment in one of Destin's most coveted beachfront communities, 28 Varazze Cay presents a truly rare opportunity. Homes this close to the beach are always in demand - but finding one that has been extensively updated and maintained to such exacting standards is exceptionally uncommon. Buyer to verify all information.

Highlights

Listed by At The Beach Team , 850-654-3325 and Martin Luus , 850-296-7011 Keller Williams Realty Destin , 850-654-2900. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.1

HOA Fee

Year Built

2004

County

Okaloosa

Area

14 - Destin

Neighborhood

Destiny By The Sea

Listing ID

1008561

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:5
  • Bathrooms:5
  • Full Bathrooms:4
  • 1/2 Bathrooms:1
Appliances:Auto Garage Door Opn, Cooktop, Dishwasher, Disposal, Dryer, Ice Machine, Microwave, Oven Self Cleaning, Refrigerator W/IceMk, Stove/Oven Electric, Washer
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Tile,Floor WW Carpet New
Other:
  • Additional:Breakfast Bar, Ceiling Raised, Lighting Recessed, Owner's Closet, Split Bedroom, Washer/Dryer Hookup, Woodwork Painted

Exterior Features

Lot:Within 1/2 Mile to Water
Lot Dimensions:90X48
Zoning:Deed Restrictions, Resid Single Family
Others:
  • Additional:Balcony, Sprinkler System, Deck Covered, Patio Covered
Sewer:Public Sewer
Principal Interest
$9,865
Taxes
$1,390
HOA
$0

Home Price

$1,945,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$389,000
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:
$9,864.67

Principal

Taxes

Principal Taxes HOA Total
Monthly $9,864.67 $1,389.83 $0.00 $11,254.50
Yearly $118,376.08 $16,677.91 $0.00 $135,053.99
Total $3,551,282.29 $500,337.30 $0.00 $4,051,619.59

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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