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Harrison Lilly

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

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144 Durango Road , , Destin, FL 32541
$499,000
Est. Payment: $2,530.83/mo
2 Bed
2 Bath
1150 Sqft
Status: active | Days on site: 4
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Destin Harbor Waterfront Townhome - Bring Your Boat, Flip Flops Required! Rare opportunity to own the lowest-priced waterfront townhome on Destin Harbor! Nestled on sought-after Holiday Isle and positioned at the end of the first canal off the harbor, this 2-bedroom, 1.5-bath townhome offers 13 feet of waterfront frontage, a private beach, and direct access to the ultimate Destin boating lifestyle. Both bedrooms are located upstairs and share a full hallway bath, while a convenient half bath is located on the main level. The waterfront primary bedroom features a private balcony where you can enjoy spectacular sunsets, holiday fireworks, and peaceful views of the canal filled with jumping fish, birds, and local wildlife. Bring your boat and beach it right in your backyard! Fish from your dock, hop aboard the Water Taxi to your favorite harbor restaurants and entertainment spots, or take a short boat ride to Crab Island, the Destin Pass, and the Gulf of Mexico. A small private beach area behind the home adds even more waterfront enjoyment. This beloved family beach retreat has been enjoyed for years and is ready for its next chapter. The home is being sold AS-IS and offers incredible potential for buyers looking to renovate and create their dream coastal getaway. Bring your Pinterest boards and HGTV ideas! There may be opportunities to enhance the outdoor living space with a larger deck, sunroom, outdoor shower, hot tub, and more. One of the biggest advantages? No HOA fees for the townhome. Owners only pay a low annual Holiday Isle Improvement Association fee of approximately $445, which provides access to two gated private beach access points just a short walk or golf cart ride away. Holiday Isle is one of Destin's most desirable neighborhoods, known for its golf-cart-friendly streets, walkability, pet-friendly atmosphere, and unbeatable access to both the harbor and the Gulf. Just minutes away, enjoy the beautifully renovated Norriego Point Park featuring boardwalks, beaches, restrooms, showers, and some of the area's most stunning water views. Publix, Target, restaurants, and everyday conveniences are also just around the corner. Short-term rentals are allowed, making this a fantastic opportunity for investors, boaters, second-home buyers, or anyone seeking the ultimate Destin Harbor and beach lifestyle. Owners currently do not carry flood insurance, and a recent quote was reportedly under $2,000 annually. Whether you're dreaming of a waterfront vacation home, investment property, or personal boating retreat, this fixer-upper offers endless possibilities in one of Destin's most coveted waterfront locations. Live the Destin Harbor lifestyle. Bring your boat, your vision, and your flip flops.

Highlights

Listed by Missy L McDonald , 850-830-5535 and Maggie A Veach , 770-361-2489 Red Hot Realty , 850-830-5535. Emerald Coast Multiple Listing Services

Property Type

Condo/Townhome

HOA Fee

Year Built

1972

County

Okaloosa

Area

14 - Destin

Neighborhood

Holiday Isle

Listing ID

1009820

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:2
  • Full Bathrooms:1
  • 1/2 Bathrooms:1
Appliances:Refrigerator, Stove/Oven Electric, Water Heater - Elect
Air Cond:Central Air
Fireplaces:
Floor:Floor Tile,Floor WW Carpet
Other:
  • Additional:Washer/Dryer Hookup

Exterior Features

Lot:Covenants,Flood Insurance Req,Interior,Level,Survey Available,Within 1/2 Mile to Water,Unit Waterfront,Canal,Harbor,RiparianRights,Shore - Beach,Shore - Natural
Zoning:Resid Single Family
Others:
  • Additional:Balcony, Boat Slip, Dock, Deck Covered, Deck Open, Patio Covered
Sewer:Public Sewer
Principal Interest
$2,531
Taxes
$309
HOA
$0

Home Price

$499,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$99,800
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:
$2,530.83

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,530.83 $309.09 $0.00 $2,839.92
Yearly $30,370.01 $3,709.07 $0.00 $34,079.08
Total $911,100.19 $111,272.10 $0.00 $1,022,372.29

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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