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Harrison Lilly

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

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3491 Scenic Highway 98 , Destin, FL 32541
$4,680,000
Est. Payment: $23,736.08/mo
9 Bed
10 Bath
6008 Sqft
Status: active | Days on site: 19
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Harrison Lilly
Owner/Operator

House Description

This extraordinary nine-bedroom estate offers a rare blend of architectural presence and resort-style amenities with commanding views of the Gulf and a serene coastal lake. Positioned directly across from a sprawling beach access, the home captures sweeping vistas of sugar-white sand and emerald waters from multiple levels, while the rear elevation opens to a tranquil tropical lake backdrop creating a truly unique experience. Extensively renovated and professionally designed, the residence spans approximately 6,000 square feet combining lasting quality with refined coastal style. Designed for both luxury living and exceptional rental performance, the home comfortably accommodates large groups with seven private suites and two expansive bunk rooms thoughtfully integrated into a highly functional floor plan. The first level is tailored for entertaining and guest privacy, featuring two king suites, two oversized bunk rooms with custom queen-over-queen accommodations, a shared bath, laundry area, and a secondary living space with wet bar that opens seamlessly to the pool deck. Outdoors, a resort-style heated pool anchors the experience, complemented by a covered summer kitchen, bar seating, and ample lounge space overlooking the lake ideal for gathering after a day at the beach. The second level serves as the heart of the home, where an expansive open-concept living, dining, and kitchen area is framed by panoramic Gulf views and extends onto a generous covered balcony. The chef's kitchen is equipped with premium appliances, custom cabinetry, a large center island, and walk-in pantry, designed to accommodate both everyday living and large-scale entertaining. Two additional guest suites with private baths complete this floor, along with convenient access to the outdoor living areas below. The top level features three well-appointed bedrooms, including dual primary suites with private balconies, spa-inspired bathrooms, and elevated Gulf views. A third king suite and additional laundry complete the level, offering comfort and privacy for owners and guests alike. A commercial-grade elevator services all floors, ensuring effortless accessibility throughout. Additional highlights include multiple indoor and outdoor living areas, surround sound, ample parking for up to eight vehicles including a two-car garage, and strong income-producing potential in a highly sought-after coastal corridor. With its commanding presence, thoughtful design, and unparalleled proximity to the beach, this exceptional property represents a rare opportunity to own a true legacy home along Scenic Highway 98.

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
0.25

Year Built

2005

County

Okaloosa

Area

14 - Destin

Neighborhood

Grand Palms S/D

Listing ID

1001394

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:9
  • Bathrooms:10
  • Full Bathrooms:9
  • 1/2 Bathrooms:1
Appliances:Dishwasher, Disposal, Dryer, Microwave, Refrigerator, Refrigerator W/IceMk, Smoke Detector, Stove/Oven Gas, Washer
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Tile
Other:
  • Additional:Built-In Bookcases, Ceiling Crwn Molding, Ceiling Vaulted, Elevator, Kitchen Island, Lighting Recessed, Owner's Closet, Shelving, Washer/Dryer Hookup, Wet Bar

Exterior Features

Lot:Sidewalk,Within 1/2 Mile to Water,See Remarks
Lot Dimensions:62'x135'x68'x40'x175'
Zoning:Resid Single Family
Others:
  • Additional:Balcony, Columns, Fenced Back Yard, Shower, Summer Kitchen, Patio Covered, Patio Open, Porch, Fenced Lot-Part
Sewer:Public Sewer
Parking Features:Garage
Principal Interest
$23,736
Taxes
$4,259

Home Price

$4,680,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$936,000
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:
$23,736.08

Principal

Taxes

Principal Taxes HOA Total
Monthly $23,736.08 $4,259.20 $0.00 $27,995.28
Yearly $284,832.92 $51,110.40 $0.00 $335,943.32
Total $8,544,987.71 $1,533,312.00 $0.00 $10,078,299.71

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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