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Harrison Lilly Team

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

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284 Champion Ct , Destin, FL 32541
$1,299,500
Est. Payment: $7,179.55/mo
4 Bed
4 Bath
3215 Sqft
0.23 Acres
Status: Active | Days on site: 33
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Harrison Lilly Team
Owner/Operator

House Description

Set within the coveted Plantation Place enclave of Kelly Plantation, 284 Champion Court offers a refined blend of gracious living, thoughtful design, and exceptional convenience. Freshly painted throughout the interior and enhanced with new designer lighting, this 4-bedroom, 3.5-bath residence with a dedicated office feels bright, polished, and ready for its next chapter. Built by respected local builder Randy Wise, the home pairs timeless architecture with a highly livable floor plan. A welcoming front porch leads into interiors accented by crown molding, custom millwork, maple engineered hardwood flooring, granite countertops, quality cabinetry, recessed lighting, and surround sound. The formal dining room is complemented by a beautifully appointed butler's pantry, while the kitchen serves as the heart of the home with premium stainless-steel appliances, abundant cabinetry, granite countertops, a walk-in pantry, and casual dining space that flows easily into the main living areas. Nearby, a dedicated office with custom built-ins creates a sophisticated and functional work-from-home retreat. The main-level primary suite offers a private sanctuary with dual walk-in closets and a spacious bath featuring dual vanities, a soaking tub, separate shower, and private water closet. Upstairs, additional bedrooms and flexible living spaces provide comfortable accommodations for family and guests. One of the home's most inviting features is the expansive screened porch overlooking a beautifully landscaped brick-paver courtyard with a fountain. Whether enjoyed with morning coffee, an evening glass of wine, or a quiet afternoon, the space creates a peaceful extension of the home's living areas. Recent capital improvements add meaningful value and peace of mind, including a new roof installed in 2024, two new HVAC systems replaced in December 2025, and a water heater approximately four years old. The property is also located in Flood Zone X, where flood insurance is typically not required by lenders. Beyond the home itself, the Plantation Place location places many of Kelly Plantation's most desirable amenities close at hand, including the community pool, tennis and pickleball courts, fitness center, playground, Owner's Club, golf clubhouse, walking trails, and beautifully maintained grounds. Set along the shores of Choctawhatchee Bay and just minutes from Destin's sugar-white beaches, boating, dining, shopping, and entertainment, Kelly Plantation remains one of the area's most distinguished residential communities. Freshly updated, exceptionally located, and thoughtfully designed for both everyday living and entertaining, 284 Champion Court presents a compelling opportunity to enjoy the best of the Kelly Plantation lifestyle.

Highlights

Listed by Caroline on the Coast , 850-376-7625 Berkshire Hathaway HomeServices , 850-502-5995. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.23

HOA Fee

Year Built

2005

County

Okaloosa

Area

14 - Destin

Neighborhood

Kelly Plantation S/D

Listing ID

1013233

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:4
  • ▪ Full Bathrooms:3
  • ▪ 1/2 Bathrooms:1
Appliances:Auto Garage Door Opn, Dishwasher, Disposal, Microwave, Oven Double, Range Hood, Refrigerator W/IceMk, Security System, Smoke Detector, Wine Refrigerator
Air Cond:Central Air
Fireplaces:Fireplace Gas
Floor:Floor Hardwood,Floor Tile,Floor WW Carpet
Other:
  • ▪ Additional:Breakfast Bar, Built-In Bookcases, Ceiling Crwn Molding, Ceiling Raised, Kitchen Island, Lighting Recessed, Pantry, Pull Down Stairs, Shelving, Upgraded Media Wing, Wallpaper, Washer/Dryer Hookup, Wet Bar, Woodwork Painted

Exterior Features

Lot:Covenants,Interior,Level,Restrictions
Lot Dimensions:65X158
Zoning:Resid Single Family
Others:
  • ▪ Additional:Columns, Fenced Back Yard, Patio Open, Porch, Porch Screened, Fenced Privacy
Sewer:Public Sewer
Principal Interest
$7,180
Taxes
$836
HOA
$0

Home Price

$1,299,500

Loan Details

30 yrs
7.374%

Down Payment

20%
$259,900
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:
$7,179.55

Principal

Taxes

Principal Taxes HOA Total
Monthly $7,179.55 $836.34 $0.00 $8,015.90
Yearly $86,154.60 $10,036.14 $0.00 $96,190.74
Total $2,584,638.12 $301,084.20 $0.00 $2,885,722.32

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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