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

4659 Destiny Way , Destin, FL 32541
$5,490,000
Est. Payment: $30,331.46/mo
11 Bed
12 Bath
7041 Sqft
0.22 Acres
Status: Active | Days on site: 186
Get Pre-Qualified
EDRE - TEDRE13
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

An extraordinary lakefront estate within the exclusive, gated enclave of Destiny, 4659 Destiny Way--known as The White Pearl--presents over 7,000 square feet of masterfully designed living space just moments from Gulf access and Destin's iconic sugar-white sands. This one-of-a-kind coastal compound is composed of a grand main residence and a beautifully appointed guest house, seamlessly connected by elegant breezeways and offering a total of eleven bedrooms and ten full baths and two half baths. Each suite is designed to provide comfort, privacy, and refined coastal style--creating an exceptional setting for large-scale entertaining, multigenerational living, or luxury rental income. Set along 80 feet of pristine frontage on Four Prong Lake, the outdoor experience is nothing short of resort-caliber. An infinity-edge pool with swim-up bar and waterfall feature overlooks the water, complemented by a spa, expansive sun decks, and a fully equipped summer kitchen with gas grill--perfect for effortless entertaining. A lakeside fireplace, pool bath, and multiple gathering areas further elevate the experience, while panoramic lake and Gulf views create a breathtaking backdrop. Inside, coastal-modern interiors are enhanced by custom finishes, multiple wet bars, wine and beverage coolers--offering seamless indoor-outdoor living and entertainment. Recent enhancements, including a refreshed exterior and updated pool systems, ensure both beauty and performance. Designed to accommodate up to 34 guests with parking for 12 vehicles, this remarkable estate has proven itself as a premier income-producing property while maintaining the feel of a private luxury retreat. Residents enjoy access to exclusive community amenities including tennis courts, a fitness center, and a golf cart-friendly lifestyle--all within one of Destin's most coveted communities. Whether envisioned as a legacy family compound or a high-performing investment, The White Pearl embodies the scale, sophistication, and resort-style living that define the Emerald Coast's finest properties.

Highlights

Listed by Dahler & Co. , 850-842-0420 Scenic Sotheby's International Realty , 850-231-6052. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.22

HOA Fee

Year Built

1997

County

Okaloosa

Area

14 - Destin

Neighborhood

Destiny S/D

Listing ID

999662

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:11
  • ▪ Bathrooms:12
  • ▪ Full Bathrooms:10
  • ▪ 1/2 Bathrooms:2
Appliances:Auto Garage Door Opn, Dishwasher, Dryer, Ice Machine, Microwave, Oven Self Cleaning, Range Hood, Refrigerator W/IceMk, Security System, Smoke Detector, Stove/Oven Gas, Washer, Wine Refrigerator, Water Heater - Gas, Water Heater - Tnkls
Air Cond:Ceiling Fans,Central Air
Fireplaces:Fireplace Gas,Fireplace
Floor:Floor Tile
Other:
  • ▪ Additional:Breakfast Bar, Built-In Bookcases, Ceiling Cathedral, Ceiling Crwn Molding, Ceiling Vaulted, Fireplace 2+, Kitchen Island, Lighting Recessed, Newly Painted, Owner's Closet, Pantry, Washer/Dryer Hookup, Wet Bar

Exterior Features

Lot:Bulkhead/Seawall,Cul-De-Sac,Survey Available,Within 1/2 Mile to Water,Lake
Lot Dimensions:80x100
Zoning:Resid Single Family
Others:
  • ▪ Additional:Rain Gutter, Balcony, BBQ Pit/Grill, Columns, Dock, Hot Tub, Hurricane Shutters, Lawn Pump, Pavillion/Gazebo, Pool - Gunite Concrt, Shower, Sprinkler System, Summer Kitchen, Deck Covered, Patio Covered, Porch, Fenced Lot-Part, Fenced Privacy
Sewer:Public Sewer
Parking Features:Covered,Oversized
Principal Interest
$30,331
Taxes
$3,103
HOA
$0

Home Price

$5,490,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$1,098,000
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:
$30,331.46

Principal

Taxes

Principal Taxes HOA Total
Monthly $30,331.46 $3,103.45 $0.00 $33,434.91
Yearly $363,977.51 $37,241.36 $0.00 $401,218.87
Total $10,919,325.32 $1,117,240.80 $0.00 $12,036,566.12

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