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Harrison Lilly

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

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87 Vista Bluffs , Destin, FL 32541
$1,725,000
Est. Payment: $8,748.87/mo
4 Bed
4 Bath
3593 Sqft
Status: active | Days on site: 166
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

IMPRESSIVE 2026 GROSS RENTAL INCOME in excess of $145K+ & BOOKING! Set within the gated enclave of Destiny West, this exceptional three-story lakefront residence offers a rare blend of refined coastal elegance, thoughtful design, and captivating water views. Ideally suited as a primary residence, second home oasis, or tranquil vacation rental, the property delivers an elevated lifestyle just moments from the sugar-white beaches of Destin. Upon entry, floor-to-ceiling windows immediately frame serene lake views and flood the open-concept living, dining, and kitchen spaces with natural light. Rich hardwood flooring, custom millwork, and chandeliers establish a sophisticated yet inviting atmosphere throughout. The gourmet kitchen is beautifully appointed with granite countertops, custom cabinetry with ample storage, premium appliances including a gas stove top & wine fridge, and a butler's pantry perfect for both everyday living and entertaining. The adjacent living area, anchored by a gas fireplace and enhanced with motorized window treatments, opens seamlessly to the outdoor living spaces for airy evenings. A first-floor bedroom with ensuite bath and walk-in shower offers flexibility for guests or multigenerational living. The second-floor features the primary suite, a private retreat, featuring a spacious wrap-around balcony overlooking the lake, a fire pit for evening relaxation, a spa-inspired bathroom, and a generously sized walk-in closet with custom built-ins. The second guest suite with ensuite bath, walk-in closet, and private balcony is also located on the second-floor. The third level provides a versatile escape with a king bedroom, ensuite bath, and kitchenette ideal as a guest suite, home office, or recreational space. Outdoors, the lakefront terrace is a true showpiece, complete with a fire pit, grill, Green Egg smoker, and panoramic water views an ideal setting for sunset gatherings or hosting. Inquire for private pool plans and renderings, offering the opportunity to further enhance both lifestyle and rental performance. The home also features new, durable Polywood outdoor furnishings, a home generator system for added peace of mind, and a garage outfitted with built-ins plus an additional storage room. Destiny West residents enjoy lushly landscaped grounds, a large seasonally heated pool, hot tub, fitness center, tennis court, and an impressive clubhouse. Quarterly landscaping services are included, allowing for effortless ownership. The home is conveniently located near James Lee Park, the Crab Trap, and pedestrian- and golf-cart-friendly Scenic Highway 98, placing beaches, dining, shopping, and grocery stores just minutes away. This established vacation rental generated nearly $90K in 2025, $145K+ already produced in 2026, and the potential to increase income annually with the addition of a private pool. Meticulously maintained and ideally positioned, this lakefront offering represents a rare opportunity to own a premier property in one of Destin's most sought-after gated communities.

Highlights

Listed by Joshua H Callahan , 850-517-7540 Scenic Sotheby's International Realty , 850-231-6052. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.19

HOA Fee

Year Built

1997

County

Okaloosa

Area

14 - Destin

Neighborhood

Destiny S/D

Listing ID

995743

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:4
  • Full Bathrooms:4
Appliances:Auto Garage Door Opn, Cooktop, Dishwasher, Disposal, Ice Machine, Range Hood, Smoke Detector, Stove/Oven Gas, Water Heater - Elect
Air Cond:Central Air
Fireplaces:
Floor:Floor Hardwood,Floor WW Carpet
Other:
  • Additional:Breakfast Bar, Ceiling Crwn Molding, Fireplace, Split Bedroom

Exterior Features

Lot:Dead End,Interior,Restrictions,Survey Available,Within 1/2 Mile to Water,See Remarks,Lake
Lot Dimensions:64 x 139 x 62 x 135
Zoning:Resid Single Family
Others:
  • Additional:Balcony, BBQ Pit/Grill, Shower, Summer Kitchen, Deck Open, Patio Covered, Porch
Sewer:Public Sewer
Parking Features:Garage,Golf Cart Enclosed,Guest
Principal Interest
$8,749
Taxes
$1,258
HOA
$0

Home Price

$1,725,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$345,000
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:
$8,748.87

Principal

Taxes

Principal Taxes HOA Total
Monthly $8,748.87 $1,258.06 $0.00 $10,006.94
Yearly $104,986.49 $15,096.77 $0.00 $120,083.26
Total $3,149,594.83 $452,903.10 $0.00 $3,602,497.93

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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