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Harrison Lilly Team

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

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514 Vera Cruz Dr , Destin, FL 32541
$2,599,000
Est. Payment: $14,359.10/mo
6 Bed
6 Bath
3750 Sqft
Status: Active | Days on site: 23
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Harrison Lilly Team
Owner/Operator

House Description

Experience the ultimate Destin lifestyle from this exceptional canal-front beach home in the highly desirable community of Holiday Isle. Spend your mornings enjoying Gulf views, or boating to Crab Island and your evenings relaxing after a day on the water. The property offers 90 ft of deep-water canal frontage and two covered boat slips with lifts, making it easy to enjoy everything Destin's boating lifestyle has to offer. Designed for effortless coastal living, the home features a fully covered and enclosed outdoor entertainment area ideal for gathering with family and friends and enjoying coastal breezes. The property includes two separate living spaces: the second-level main residence and a third-level lockout. Each has its own private entrance and can be enjoyed together or independently, offering flexibility for extended family, guests or vacation-rental opportunities. The main residence features four spacious bedrooms, four full bathrooms, an expansive living area, a gourmet kitchen with breakfast bar and a private office. The third-level lockout offers two additional bedrooms, two full bathrooms, a large living area and fully equipped kitchen with breakfast bar. The lower-level space offers room for storing beach gear, paddleboards, fishing gear and boating supplies, workshop. The private beach access is a very short walk away, while Crab Island and Gulf of Mexico are 15 minutes away by boat. This one-of-a-kind property captures the very best of the Destin lifestyle!

Highlights

Listed by Kenneth R Koger , and Rhonda C Johnson , 813-512-9868 Century 21 AllPoints Realty , 850-678-5161. Emerald Coast Multiple Listing Services

Property Type

Residential

HOA Fee

Year Built

1972

County

Okaloosa

Area

14 - Destin

Neighborhood

Holiday Isle

Listing ID

1010454

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:6
  • ▪ Bathrooms:6
  • ▪ Full Bathrooms:6
Appliances:Cooktop, Dishwasher, Disposal, Dryer, Freezer, Microwave, Oven Double, Refrigerator W/IceMk, Stove/Oven Electric, Washer
Air Cond:Ceiling Fans
Fireplaces:
Other:
  • ▪ Additional:Guest Quarters, Kitchen Island, Lighting Recessed

Exterior Features

Lot:Bulkhead/Seawall,Flood Insurance Req,Interior,Level,Within 1/2 Mile to Water,Canal
Lot Dimensions:90x130
Zoning:Resid Single Family
Others:
  • ▪ Additional:Rain Gutter, Balcony, Boat Slip, Boatlift, Dock, Shower, Summer Kitchen, Deck Covered, Deck Enclosed
Sewer:Community Sewer
Parking Features:See Remarks
Principal Interest
$14,359
Taxes
$1,195
HOA
$0

Home Price

$2,599,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$519,800
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:
$14,359.10

Principal

Taxes

Principal Taxes HOA Total
Monthly $14,359.10 $1,194.88 $0.00 $15,553.98
Yearly $172,309.21 $14,338.61 $0.00 $186,647.82
Total $5,169,276.23 $430,158.30 $0.00 $5,599,434.53

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: 2026-10-07T06:31:40.000Z

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