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Harrison Lilly Team

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

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400 Kelly Plantation Dr Unit 1103 , Destin, FL 32541
$1,599,999
Est. Payment: $8,839.76/mo
3 Bed
4 Bath
3220 Sqft
Status: Active | Days on site: 249
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EMRC - E3961
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Harrison Lilly Team
Owner/Operator

House Description

This impeccably designed residence offers three spacious bedrooms and an abundant open living area, beautifully furnished with designer pieces that enhance both comfort and style. A striking mahogany double-door entry with opaque glass sets a dramatic tone upon arrival, leading into living spaces finished with wood-look plank tile and extensive windows that frame breathtaking panoramic views of the Choctawhatchee Bay. The chef's kitchen is a true showpiece, featuring gorgeous floor-to-ceiling cabinetry, a brick-inspired tiled backsplash, granite countertops, and high-end Viking appliances, including a wine cooler. Two fabulous, oversized kitchen islands create exceptional flow for entertaining and everyday living. A long, elegant hallway is accented with custom built-in bookshelves, while the guest half bath is elevated with sleek, sophisticated wallpaper. Each bedroom is finished with cozy plush carpet, and the primary suite offers a private retreat complete with professionally designed closets and an opulent spa-like bath featuring a spacious soaking tub and a separate walk-in shower. Additional interior highlights include a large laundry room, a bonus room ideal for flexible use, and fabulous designer fixtures throughout. Outdoor living is equally impressive, with a wraparound balcony that dramatically expands your space. The balcony is fully equipped with an outdoor grill, refrigerator, and sink, perfect for cooking, dining, and enjoying the coastal breeze and stunning bay views. Resort-style amenities complete this exceptional offering, including a two-tier pool and hot tub, fitness center, spa and sauna, dog park, hobby and game rooms, guest suites, and two deeded covered parking spacesdelivering luxury, convenience, and lifestyle all in one remarkable residence. The Kelly Plantation neighborhood encompasses miles of walking trails, rubico and hard tennis courts, pickleball, basketball, ponds, a community gathering center, a gym, a huge pool and gated security at both entrances.

Highlights

Listed by Clayton F Bonjean , 850-585-1284 Mainsail Realty Company , 850-585-1284. Emerald Coast Multiple Listing Services

Property Type

Condo/Townhome

HOA Fee

Year Built

2007

County

Okaloosa

Area

14 - Destin

Neighborhood

One Water Place

Listing ID

991571

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:4
  • ▪ Full Bathrooms:3
  • ▪ 1/2 Bathrooms:1
Appliances:Dishwasher, Disposal, Dryer, Microwave, Range Hood, Refrigerator, Smoke Detector, Stove/Oven Gas, Washer, Wine Refrigerator, Water Heater - Elect
Air Cond:Ceiling Fans
Fireplaces:Fireplace Gas
Floor:Floor Tile,Floor WW Carpet
Other:
  • ▪ Additional:Built-In Bookcases, Ceiling Crwn Molding, Ceiling Tray/Cofferd, Fireplace, Kitchen Island, Lighting Recessed, Pantry, Shelving, Washer/Dryer Hookup, Woodwork Painted

Exterior Features

Lot:Bay
Others:
  • ▪ Additional:Balcony, BBQ Pit/Grill, Columns
Sewer:Public Sewer
Parking Features:Garage
Principal Interest
$8,840
Taxes
$1,074
HOA
$0

Home Price

$1,599,999

Loan Details

30 yrs
7.374%

Down Payment

20%
$320,000
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Monthly Price:
$8,839.76

Principal

Taxes

Principal Taxes HOA Total
Monthly $8,839.76 $1,074.12 $0.00 $9,913.88
Yearly $106,077.17 $12,889.45 $0.00 $118,966.62
Total $3,182,315.04 $386,683.50 $0.00 $3,568,998.54

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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