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

3469 Scenic Highway 98 , Destin, FL 32541
$5,300,000
Est. Payment: $29,281.74/mo
8 Bed
9 Bath
6489 Sqft
0.36 Acres
Status: Active | Days on site: 134
Get Pre-Qualified
EDRE - TEDRE9
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

Welcome to an exceptional beachside retreat in the heart of Destin, where coastal luxury meets effortless income potential. Perfectly positioned with 61 feet of lake frontage and sweeping Gulf views, this remarkable residence is just steps from the sugar-white sands of the Gulf of Mexico and a short stroll to a sprawling beach access. The first level is designed for recreation and seamless indoor-outdoor living, featuring a spacious game room complete with a pool table, arcade games, and a convenient kitchenette with full-size refrigerator and ice maker. Multiple guest suites and bunk accommodations offer flexibility for large groups, while direct access leads to a true backyard oasis. The outdoor space lives like a private resort, highlighted by a beautifully designed pool with Baja shelf and spa, expansive sundeck, and tranquil lake views. A covered outdoor living area with a full kitchen, grill, beverage cooler, fireplace, and mounted TV creates the perfect setting for entertaining or unwinding after a day at the beach. A thoughtful feature includes an elevator servicing all three levels. The second level serves as the heart of the home, where an open-concept layout seamlessly connects the kitchen, dining, and living areas. A chef's kitchen anchored by an oversized island and premium appliances flows into a grand dining space accented with vaulted Pecky cypress ceilings and designer lighting, ideal for hosting large gatherings. The living room is filled with natural light and opens to a spacious balcony overlooking the pool and lake with direct access to the pool deck, adding convenience and extending the living space outdoors. Additional guest suites on this level provide comfort and privacy, with select rooms offering private balcony access. The third level offers a more private retreat with an additional living area and multiple well-appointed king suites, each with en suite baths. Select bedrooms feature soaking tubs and private balconies capturing glimpses of the Gulf, while additional bunk accommodations ensure ample space for guests. At the top, a rooftop viewing deck provides a breathtaking vantage point, where sunsets over the Gulf create an unforgettable daily experience. Offered fully furnished and turnkey, this expansive residence comfortably accommodates up to 28 guests and is ideally suited as both a legacy second home and a high-performing short-term rental. This is a rare opportunity to own a property that truly captures the essence of Destin living, blending scale, luxury, and an unbeatable location into one extraordinary offering.

Highlights

Listed by Joiner Group , 850-502-6044 Scenic Sotheby's International Realty , 850-231-6052. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.36

HOA Fee

Year Built

2012

County

Okaloosa

Area

14 - Destin

Neighborhood

Grand Palms S/D

Listing ID

1001392

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:8
  • ▪ Bathrooms:9
  • ▪ Full Bathrooms:8
  • ▪ 1/2 Bathrooms:1
Appliances:Auto Garage Door Opn, Cooktop, Dishwasher, Disposal, Dryer, Freezer, Microwave, Oven Double, Range Hood, Refrigerator, Refrigerator W/IceMk, Stove/Oven Gas, Washer, Wine Refrigerator
Air Cond:Ceiling Fans
Fireplaces:Fireplace
Floor:Floor Tile
Other:
  • ▪ Additional:Built-In Bookcases, Ceiling Crwn Molding, Ceiling Raised, Ceiling Tray/Cofferd, Ceiling Vaulted, Elevator, Fireplace, Hallway Bunk Beds, Kitchen Island, Lighting Recessed, Owner's Closet, Pantry, Washer/Dryer Hookup, Wet Bar

Exterior Features

Lot:Restrictions,Sidewalk,Within 1/2 Mile to Water,See Remarks,Lake
Lot Dimensions:70 x 180
Zoning:Resid Single Family
Others:
  • ▪ Additional:Balcony, BBQ Pit/Grill, Fenced Back Yard, Hot Tub, Shower, Summer Kitchen, Deck Covered, Deck Open, Patio Covered, Patio Open, Porch Open, Fenced Lot-Part
Sewer:Public Sewer
Parking Features:Garage,Oversized
Principal Interest
$29,282
Taxes
$4,740
HOA
$0

Home Price

$5,300,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$1,060,000
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:
$29,281.74

Principal

Taxes

Principal Taxes HOA Total
Monthly $29,281.74 $4,739.67 $0.00 $34,021.40
Yearly $351,380.84 $56,875.99 $0.00 $408,256.83
Total $10,541,425.17 $1,706,279.70 $0.00 $12,247,704.87

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