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Harrison Lilly

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

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408 Kelly Plantation Dr Unit 409 , Destin, FL 32541
$1,195,000
Est. Payment: $6,060.19/mo
2 Bed
3 Bath
2505 Sqft
Status: active | Days on site: 141
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Positioned on the highly desirable fourth floor of One Water Place at Kelly Plantation, this impeccably renovated residence represents one of the Emerald Coast's most refined opportunities for luxury ownership. Overlooking the tranquil waters of Choctawhatchee Bay and the pristine fairways of the Fred Couples Signature Golf Course, this sophisticated two-bedroom, two-and-a-half-bath home delivers the elevated lifestyle discerning buyers expect in one of Northwest Florida's most prestigious gated, non-rental communities. Accessed through a private elevator vestibule, the residence immediately sets a tone of exclusivity and intention. The open-concept interior is filled with natural light and thoughtfully designed to balance elegance with everyday comfort. Viking appliances and new walnut cabinets throughout. Electric blinds in living room and bedrooms. White oak hardwood flooring, professionally detailed neutral finishes, custom glass entry doors, and refined architectural elements create a seamless, timeless aesthetic throughout. The gourmet kitchen has been masterfully designed for both beauty and performance, featuring custom solid walnut cabinetry extending through the kitchen, baths, and laundry. Premium pull-outs and drawer dividers, a custom walnut pantry wall, and striking stone countertops deliver exceptional function, while hidden outlet strips, under-cabinet LED lighting, and a dramatic recycled glass tile backsplash provide modern sophistication and visual impact. Every fixture and finish has been carefully selected to reflect continuity, quality, and enduring style. The primary suite serves as a private sanctuary, offering spa-level comfort with a custom marble backsplash, extended tilework to the ceiling, upgraded Toto fixtures, and a heated towel warmer. Polished and honed travertine flooring, designer wall coverings, custom closet systems, motion-activated LED lighting, and ceiling fans in every room demonstrate the level of detail and thoughtful planning rarely found in condominium living. The expansive balcony is designed to fully embrace the Emerald Coast lifestyle, functioning as an extension of the home's living and entertaining space. A fully appointed outdoor kitchen features a deluxe gas grill, beverage refrigerator, weatherproof custom cabinetry, and stone countertops with integrated sink -- all positioned to capture sweeping bay breezes and panoramic golf course views that change beautifully throughout the day. Extensive system and mechanical upgrades provide peace of mind and long-term comfort, including Carrier HVAC systems, updated hot water heater, gas fireplace blower, washer and dryer, upgraded hardware throughout, and professionally finished paint across all surfaces. One Water Place at Kelly Plantation offers a private, resort-caliber lifestyle reserved exclusively for residents. Amenities rival those of an elite private club and include a bi-level heated lap pool, spa treatment rooms, an expansive fitness center, wine tasting room with private lockers, bocce courts, putting greens, scenic walking trails, a dog park, and access to an equestrian center. Two underground parking spaces and a private storage room provide rare convenience and security. As a top luxury real estate professional representing premier properties across the Southeast United States, I can confidently say this residence stands among the finest condominium offerings along Florida's Emerald Coast. Perfectly located near Destin's world-renowned beaches, boating, championship golf, and exceptional dining, this move-in-ready home offers a rare combination of design excellence, privacy, and lifestyle distinction. For the buyer who expects the very best, this is more than a residence -- it is a statement of refined coastal living in one of the Southeast's most coveted luxury communities.

Highlights

Listed by Destin N Lowery , 850-225-5009 1st Class Real Estate Lanier Group , 386-882-6644. Emerald Coast Multiple Listing Services

Property Type

Condo/Townhome

HOA Fee

Year Built

2007

County

Okaloosa

Area

14 - Destin

Neighborhood

ONE WATER PLACE at Kelly Plantation

Listing ID

995792

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:3
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Appliances:Cooktop, Dishwasher, Dryer, Microwave, Range Hood, Refrigerator W/IceMk, Washer
Air Cond:Central Air
Fireplaces:Fireplace Gas,Fireplace
Floor:Floor Hardwood,Floor Tile
Other:
  • Additional:Breakfast Bar, Ceiling Crwn Molding, Elevator, Fireplace, Pantry, Shelving, Washer/Dryer Hookup

Exterior Features

Lot:Bay
Others:
  • Additional:Balcony, BBQ Pit/Grill, Columns, Fenced Lot-All
Sewer:Public Sewer
Parking Features:Covered
Principal Interest
$6,060
Taxes
$498
HOA
$0

Home Price

$1,195,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$239,000
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:
$6,060.19

Principal

Taxes

Principal Taxes HOA Total
Monthly $6,060.19 $498.37 $0.00 $6,558.55
Yearly $72,722.22 $5,980.39 $0.00 $78,702.61
Total $2,181,666.61 $179,411.70 $0.00 $2,361,078.31

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

6%

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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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