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Harrison Lilly Team

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

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78 Sunfish St , Destin, FL 32541
$2,100,000
Est. Payment: $11,602.20/mo
3 Bed
3 Bath
2705 Sqft
0.17 Acres
Status: Active | Days on site: 21
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Harrison Lilly Team
Owner/Operator

House Description

There are beach rentals, then there are beach homes. This idyllic Destin home is a cut above your common rental and begs to be lived in and enjoyed- whether full-time or as an investment property. Owned by a longtime hit country songwriter and guitarist, this elegant two-story coastal cottage is located in the popular Crystal Beach neighborhood of Kokomo Cove, and less than two blocks to private beach access. This home sits on a well-manicured, fenced .17-acre lot, with three spacious bedrooms and baths, along with large living room complete with real fireplace, custom cut hardwood floors, high ceilings, and detailed trim work and molding. Adjacent to the large living area is an open dining area and chef's kitchen, complete with solid custom cabinetry, granite countertops, and Bosch six burner gas stove. Additionally, there is a large bonus room with custom oversized billiards table, perfect for entertaining. In back you will find a spacious deck, grilling area, large hot tub, brand new custom swimming pool (to be completed October 2026), tiki bar, garden shed, outdoor television, and beautiful landscaping. This home just had a new metal roof and full exterior paint, spring of 2026, along with new landscaping, new pavers, and a new double-size driveway. Sold tastefully furnished and turnkey ready to move in and enjoy or rent when you're not using it. Current rentals on the books for remainder of 2026 and a few months into coming year also.

Highlights

Listed by William F Estell , 850-499-0174 Coconut Palm Real Estate LLC , 850-398-0130. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.17

HOA Fee

Year Built

1995

County

Okaloosa

Area

14 - Destin

Neighborhood

Kokomo Kove

Listing ID

1011160

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:2
  • ▪ 1/2 Bathrooms:1
Appliances:Dishwasher, Disposal, Dryer, Microwave, Oven Self Cleaning, Range Hood, Refrigerator W/IceMk, Stove/Oven Gas, Washer, Water Heater - Elect
Air Cond:Central Air
Fireplaces:
Floor:Floor Hardwood,Floor Marble,Floor Tile
Other:
  • ▪ Additional:Breakfast Bar, Ceiling Raised, Fireplace, Kitchen Island, Lighting Recessed, Owner's Closet, Pull Down Stairs, Washer/Dryer Hookup

Exterior Features

Lot:Covenants,Interior,Level,Sidewalk,Within 1/2 Mile to Water
Lot Dimensions:150 X 50
Zoning:City, Resid Single Family
Others:
  • ▪ Additional:Rain Gutter, Fenced Back Yard, Hot Tub, Lawn Pump, Pool - Gunite Concrt, Shower, Sprinkler System, Yard Building, Deck Covered, Patio Covered, Patio Open, Porch, Porch Open
Sewer:Public Sewer
Principal Interest
$11,602
Taxes
$1,103
HOA
$0

Home Price

$2,100,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$420,000
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:
$11,602.20

Principal

Taxes

Principal Taxes HOA Total
Monthly $11,602.20 $1,102.80 $0.00 $12,705.00
Yearly $139,226.37 $13,233.63 $0.00 $152,460.00
Total $4,176,791.11 $397,008.90 $0.00 $4,573,800.01

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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