Agent profile image in chat bubble
Agent profile image in chat header

Harrison Lilly

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

Agent profile image in message

4 Magnolia Dr , Destin, FL 32541
$1,100,000
Est. Payment: $5,578.99/mo
5 Bed
3 Bath
3466 Sqft
Status: active | Days on site: 5
Get Pre-Qualified
VCR-C15903466 - VCR-C159091383,VCR-C159052275

By providing your number, you are expressly consenting, in writing, to receive telemarketing and other messages, including calls or texts at the number you provided above. This consent is not required to purchase any good or service. Message and data rates may apply. Text STOP to cancel.

This site is protected by reCAPTCHA and the GooglePrivacy Policy and Terms of Service apply.

Agent profile image
Harrison Lilly
Owner/Operator

House Description

Offered for the first time by its original owners, this cherished Holiday Isle beach house has been a beloved family retreat since 1983. Situated directly across from the sugar-white sands and emerald waters of the Gulf, the property presents a rare opportunity to own in one of Destin's most sought-after beachside neighborhoods. Spanning nearly 3,500 square feet, the home offers 5 bedrooms and 3 baths, including a first-floor guest suite with ensuite bath and four additional bedrooms upstairs. Warm wood-paneled walls, a striking two-way stone fireplace, and inviting gathering spaces create a cozy, nostalgic atmosphere reminiscent of a mountain lodge by the sea. Outdoor living is equally appealing with a newly added covered deck (2025) overlooking the private in-ground pool, providing the perfect setting for entertaining and relaxing after a day at the beach. Additional updates include a roof replacement in 2020. The enclosed garage currently serves as a game room and hangout space but could easily be converted back to a traditional garage. Whether you're dreaming of restoring its original charm, creating a custom coastal retreat, or building new in an exceptional location, this property offers endless possibilities. Homes on Holiday Isle with this combination of size, location, and beach access are increasingly rare. Bring your vision and make this iconic family beach house the foundation for its next chapter.

Highlights

Listed by Amy M Berry , 850-830-2000 and Lisa A Collier , 850-259-1745 The Agency Northwest Florida Beaches , 850-267-8100. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.31

HOA Fee

Year Built

1983

County

Okaloosa

Area

14 - Destin

Neighborhood

Holiday Isle

Listing ID

1009921

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • Bedrooms:5
  • Bathrooms:3
  • Full Bathrooms:3
Appliances:Cooktop, Dishwasher, Dryer, Ice Machine, Microwave, Range Hood, Refrigerator, Smooth Stovetop Rnge, Washer, Water Heater - Elect
Air Cond:Central Air
Fireplaces:
Floor:Floor Tile,Floor WW Carpet
Other:
  • Additional:Breakfast Bar, Ceiling Beamed, Ceiling Crwn Molding, Ceiling Vaulted, Fireplace, Washer/Dryer Hookup

Exterior Features

Lot:Covenants,Flood Insurance Req,Restrictions,Within 1/2 Mile to Water
Lot Dimensions:90x146.39x90.48x155.65
Zoning:Resid Single Family
Others:
  • Additional:Fenced Back Yard, Pool - Vinyl Liner, Deck Covered, Patio Open
Sewer:Public Sewer
Principal Interest
$5,579
Taxes
$721
HOA
$0

Home Price

$1,100,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$220,000
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:
$5,578.99

Principal

Taxes

Principal Taxes HOA Total
Monthly $5,578.99 $720.60 $0.00 $6,299.59
Yearly $66,947.91 $8,647.23 $0.00 $75,595.14
Total $2,008,437.28 $259,416.90 $0.00 $2,267,854.18

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

Never Miss a Property

Be the first to know when a property hits the market.

Current Listings

Last 30 Days
N/A
Aug 2026

Average Price

All Price Ranges
N/A
Aug 2026

Average Days on Market

All Price Ranges
N/A
Aug 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: 2026-08-20T07:16:22.000Z

© 2026 Emerald Coast Multiple Listing Services