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Harrison Lilly Team

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

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674 Emerald Bay Dr , Destin, FL 32541
$700,000
Est. Payment: $3,867.40/mo
3 Bed
3 Bath
1984 Sqft
0.15 Acres
Status: Active | Days on site: 8
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Harrison Lilly Team
Owner/Operator

House Description

Tucked inside the gates of Emerald Bay Golf Club, this 3-bedroom, 3-bath residence delivers the outdoor living that defines Destin life. A private pool and covered lanai anchor the back of the home, framed by mature golf course landscape and glimpses of Choctawhatchee Bay beyond -- a rare combination at this price point. Inside, roughly 1,984 SF is arranged for easy coastal living, with a light-filled main living area that opens to the pool deck and three full baths that make hosting guests effortless. Three bedrooms give you room for family, visitors, or a dedicated home office. Emerald Bay is one of Destin's most established gated golf communities, wrapping a redesigned championship course along the shores of the bay. Residents enjoy the newly remodeled clubhouse, which features a fully stocked bar and restaurant offering a social hub for neighborhood gatherings and casual dining. Residents also get exclusive access to a spacious community swimming pool and two clay tennis courts. Perfect location between Destin and the Beaches of South Walton, minutes to Destin Commons, Harbor Walk, world-class dining, and the sugar-white sand of the Gulf. Whole home generator. Low-maintenance lot. Roof was replaced in 2024. HVAC and Hot Water Heater replaced in 2018 giving peace of mind on some bigger ticket items. Schedule your private tour today.

Highlights

Listed by Abbott Martin Group , 850-460-2900 and Lyle E Allamon , 505-314-4464 EXP Realty LLC , 850-460-2900. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.15

HOA Fee

Year Built

1993

County

Okaloosa

Area

14 - Destin

Neighborhood

Emerald Bay Ph 1-B

Listing ID

1012644

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:Auto Garage Door Opn, Cooktop, Dishwasher, Disposal, Dryer, Microwave, Refrigerator W/IceMk, Stove/Oven Electric, Washer, Water Heater - Elect, Water Heater - Gas
Air Cond:Ceiling Fans,Central Air
Fireplaces:Fireplace Gas,Fireplace
Floor:Floor Tile
Other:
  • ▪ Additional:Breakfast Bar, Ceiling Vaulted, Fireplace, Handicap Provisions, Pantry, Washer/Dryer Hookup

Exterior Features

Lot:Covenants,Golf Course,Restrictions,Within 1/2 Mile to Water
Lot Dimensions:60x114x60x108
Zoning:Resid Single Family
Others:
  • ▪ Additional:Rain Gutter, Balcony, Hot Tub, Lawn Pump, Pool - Enclosed, Sprinkler System, Deck Covered, Patio Covered
Sewer:Public Sewer
Principal Interest
$3,867
Taxes
$416
HOA
$0

Home Price

$700,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$140,000
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:
$3,867.40

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,867.40 $415.71 $0.00 $4,283.11
Yearly $46,408.79 $4,988.55 $0.00 $51,397.34
Total $1,392,263.70 $149,656.50 $0.00 $1,541,920.20

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: 2026-10-07T02:54:18.000Z

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