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Harrison Lilly Team

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

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98 Cayman Cove , Destin, FL 32541
$1,059,000
Est. Payment: $5,850.82/mo
3 Bed
4 Bath
2647 Sqft
0.14 Acres
Status: Active | Days on site: 224
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EBET - E6851,E25280
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Harrison Lilly Team
Owner/Operator

House Description

Just minutes from Destin's stunning white-sand beaches, 98 Cayman Cove is ideally located in the highly sought-after gated beach community of Destiny. Step inside to an impressive open-concept floor plan with soaring ceilings that create a bright, airy atmosphere throughout the home. All three bedrooms feature private ensuite baths, providing exceptional comfort and privacy for owners and guests alike. New luxury LVP flooring has been added throughout all three bedrooms, along with new carpet on the stairs, further enhancing the home's fresh, updated coastal feel. The spacious primary suite offers a cozy sitting nook overlooking the lush, beautifully maintained surroundings, along with a spa-inspired bath featuring a double soaking tub and generous walk-in shower--the perfect retreat at the end of the day. Situated on a large corner lot surrounded by mature trees and manicured landscaping, the property offers an inviting sense of privacy and space. A particularly rare feature on Cayman Cove, this is one of the few homes on the street offering a full two-car garage. Complete with built-in storage, it provides exceptional space for vehicles, beach gear, bikes, a golf cart, and more. Combined with its location, versatile floor plan, and proximity to the beach, the home is well suited as a primary residence, second home, or investment property. Meticulously maintained and truly one of a kind, this home embodies beachside luxury at its finest. Come see it for yourself - your coastal dream home awaits!

Highlights

Listed by John J Holahan , 850-837-8880 and Cherie C Himes , 850-357-4608 Better Homes and Gardens Real Estate Emerald Coast , 850-837-8880. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.14

HOA Fee

Year Built

2003

County

Okaloosa

Area

14 - Destin

Neighborhood

Destiny S/D

Listing ID

994705

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:4
  • ▪ Full Bathrooms:3
  • ▪ 1/2 Bathrooms:1
Appliances:Auto Garage Door Opn, Dishwasher, Disposal, Microwave, Oven Self Cleaning, Refrigerator W/IceMk, Security System, Smoke Detector, Stove/Oven Electric, Water Heater - Elect
Air Cond:Ceiling Fans,Central Air
Fireplaces:Fireplace Gas
Floor:Floor Tile,Floor WW Carpet
Other:
  • ▪ Additional:Breakfast Bar, Built-In Bookcases, Ceiling Crwn Molding, Ceiling Tray/Cofferd, Fireplace, Lighting Recessed, Pantry, Shelving, Washer/Dryer Hookup, Woodwork Painted

Exterior Features

Lot:Corner,Level
Lot Dimensions:61x108
Zoning:Resid Single Family
Others:
  • ▪ Additional:Sprinkler System, Patio Covered
Sewer:Public Sewer
Parking Features:Garage
Principal Interest
$5,851
Taxes
$939
HOA
$0

Home Price

$1,059,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$211,800
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:
$5,850.82

Principal

Taxes

Principal Taxes HOA Total
Monthly $5,850.82 $939.08 $0.00 $6,789.91
Yearly $70,209.87 $11,269.00 $0.00 $81,478.87
Total $2,106,296.09 $338,070.00 $0.00 $2,444,366.09

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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