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Harrison Lilly

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

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86 Sunfish St , Destin, FL 32541
$2,599,000
Est. Payment: $13,181.64/mo
8 Bed
10 Bath
4333 Sqft
Status: active | Days on site: 89
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Welcome to 86 Sunfish Street, a brand new 2026 construction masterpiece in Destin's coveted Kokomo Kove community, one of the few neighborhoods in Crystal Beach with private deeded beach access right at the end of the street. This three-story coastal retreat delivers 8 bedrooms, 9.5 bathrooms, and 4,227 square feet of thoughtfully designed living space, making it an exceptional primary residence, second home, or premier vacation rental investment. From the moment you arrive, the curb appeal sets the tone: a paver driveway leads to a striking HardiePlank and shake-siding exterior topped with a standing-seam metal roof, with three levels of covered porches and balconies that glow beautifully at sunset. The open-concept first floor flows seamlessly from the living room through the dining area to a chef's kitchen featuring white shaker cabinetry, a professional gas range, dual dishwashers, and a sprawling quartz island dressed in wicker pendant lights. Each of the eight bedrooms has been designed as its own retreat, with en-suite or private baths featuring quartz vanities, arched brass-framed mirrors, and designer lighting throughout. The third floor functions as a self-contained suite, featuring a private bedroom with bathroom, a bunk room with its own bathroom, and a kitchenette with stainless appliances - perfect for multi-family stays or maximizing rental flexibility. Outside, a private pool and built-in spa, seamlessly integrated into the first-floor deck, anchor a paver courtyard within a fully fenced, private yard. A regulation pickleball court gives guests of all ages something to enjoy, while the sweeping third-floor covered porch with vaulted ceiling and treetop views is the kind of retreat that makes a beach house legendary. Short-term rental-friendly with the established charm of Crystal Beach right outside your door. This is Emerald Coast living at its finest.

Highlights

Listed by Blankenship Watkins Advisory Group , 850-805-6100 Christies International Real Estate Emerald Coast , 850-213-2800. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.17

HOA Fee

Year Built

2025

County

Okaloosa

Area

14 - Destin

Neighborhood

Kokomo Kove

Listing ID

1003534

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:8
  • Bathrooms:10
  • Full Bathrooms:9
  • 1/2 Bathrooms:1
Appliances:Dishwasher, Range Hood, Refrigerator, Smoke Detector, Stove/Oven Electric
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Tile
Other:
  • Additional:Breakfast Bar, Kitchen Island, Newly Painted

Exterior Features

Lot:Within 1/2 Mile to Water
Lot Dimensions:50 x 150
Zoning:Resid Single Family
Others:
  • Additional:Balcony, Fenced Back Yard, Hot Tub, Deck Covered, Fenced Privacy
Sewer:Public Sewer
Principal Interest
$13,182
Taxes
$559
HOA
$0

Home Price

$2,599,000

Loan Details

30 yrs
6.529%

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:
$13,181.64

Principal

Taxes

Principal Taxes HOA Total
Monthly $13,181.64 $558.90 $0.00 $13,740.54
Yearly $158,179.65 $6,706.78 $0.00 $164,886.43
Total $4,745,389.54 $201,203.40 $0.00 $4,946,592.94

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: 2026-08-20T06:32:47.000Z

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