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Harrison Lilly Team

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

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2740 Scenic Highway 98 Unit 10 , Destin, FL 32541
$3,895,000
Est. Payment: $21,519.31/mo
6 Bed
7 Bath
3553 Sqft
0.02 Acres
Status: Active | Days on site: 1
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Harrison Lilly Team
Owner/Operator

House Description

This waterfront townhome at Henderson Beach Villas sits on the sugar-white sand of Destin. It was built in 2021 and has four stories with an elevator: 6 bedrooms, 6 full baths, a half bath, and about 3,537 square feet. The main level has an open living and dining area, hardwood and tile floors, raised ceilings, a breakfast bar, and a gas range. The first floor also has a bedroom. Five more bedrooms are spread across the second and third floors. The primary suite has a private waterfront balcony, a sitting area, a walk-in closet, and a bath with a double vanity, garden tub, and separate shower. The top floor has a 37' x 18' rooftop deck with a private heated pool and Gulf views. The pool deck was improved in 2025. Other features include covered and open patios, a wet bar, a metal roof, tankless water heater, multiple AC units, and fresh paint. The home is sold fully furnished. Known to guests as 'Wait'n on Sundown,' the home has grossed more than $200,000 in rent every year for the past three years. 2026 is its strongest year so far, with $218,000 booked through September, and that's with the owners still using it for up to 67 nights a year. Summer weeks have rented for $11,500 to $16,700, and most guests book three or more months ahead. The Rental Performance Packet and Cost to Own breakdown are available on request.

Highlights

Listed by Spears Group , 850-710-2114 Compass , 850-296-9769. Emerald Coast Multiple Listing Services

Property Type

Condo/Townhome

Lot/Acreage
0.02

HOA Fee

Year Built

2021

County

Okaloosa

Area

14 - Destin

Neighborhood

Henderson Beach Villas

Listing ID

1013326

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:6
  • ▪ Bathrooms:7
  • ▪ Full Bathrooms:6
  • ▪ 1/2 Bathrooms:1
Appliances:Dishwasher, Disposal, Dryer, Microwave, Oven Continue Clean, Oven Self Cleaning, Refrigerator W/IceMk, Smoke Detector, Stove/Oven Gas, Washer, Water Heater - Tnkls
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Hardwood,Floor Tile
Other:
  • ▪ Additional:Breakfast Bar, Ceiling Raised, Elevator, Lighting Recessed, Newly Painted, Shelving, Washer/Dryer Hookup, Wet Bar

Exterior Features

Lot:Covenants,Restrictions,Sidewalk,Survey Available,Within 1/2 Mile to Water,Gulf
Zoning:Resid Multi-Family
Others:
  • ▪ Additional:Balcony, Deck Open, Patio Covered, Patio Open
Sewer:Public Sewer
Principal Interest
$21,519
Taxes
$2,675
HOA
$0

Home Price

$3,895,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$779,000
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:
$21,519.31

Principal

Taxes

Principal Taxes HOA Total
Monthly $21,519.31 $2,674.78 $0.00 $24,194.09
Yearly $258,231.77 $32,097.37 $0.00 $290,329.14
Total $7,746,953.03 $962,921.10 $0.00 $8,709,874.13

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: 2026-10-07T04:14:31.000Z

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