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Harrison Lilly

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

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408 Ridge Wood Cir , Destin, FL 32541
$650,000
Est. Payment: $3,296.68/mo
4 Bed
3 Bath
2403 Sqft
Status: active | Days on site: 58
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Welcome to your dream home in the heart of Destin, where comfort, style, & coastal living come together in one exceptional property. This beautifully maintained four-bedroom, three-bathroom residence (with additional flex room) offers an ideal blend of spacious living areas, thoughtful updates, and outstanding outdoor amenities. Step inside to discover rich hardwood flooring that flows throughout the main living and dining spaces, creating warmth and timeless elegance. The inviting living room features soaring vaulted ceilings and a cozy fireplace, providing the perfect setting for relaxing evenings or entertaining guests. Just beyond the living area, a screened-in back porch offers a bright and tranquil retreat, ideal for morning coffee, reading, or enjoying views of the backyard. The thoughtfully designed floor plan includes a spacious first-floor primary suite complete with an en suite bathroom and two generous walk-in closets. An additional guest bedroom and a beautifully renovated full bathroom are also conveniently located on the main level, providing flexibility for family or visitors. Moreover, a versatile flex room on the first floor offers endless possibilities and can easily serve as a home office, fitness room, playroom, or media space. The well-appointed kitchen is sure to impress with granite countertops, stainless steel appliances, and a charming breakfast area perfect for casual dining. There is also a formal dining area between the kitchen and living room. Upstairs, you'll find two additional bedrooms, a shared full bathroom, and a cozy loft area that provides the perfect space for a reading nook, study area, or additional lounge space. Step outside to your private backyard oasis featuring a large in-ground swimming pool (just re-plastered) and a fully fenced yard with small shed, creating the ultimate setting for outdoor entertaining, family gatherings, or simply enjoying Florida's year-round sunshine. The property also includes a two-car garage and ample driveway parking for multiple vehicles. Ideally located in one of Destin's most desirable areas, this home offers convenient access to premier shopping, dining, entertainment, the Destin Harbor, world-class fishing, and the Emerald Coast's renowned sugar-white beaches and emerald-green waters. Whether you're looking for a primary residence, a second home, or an investment opportunity (long-term rentals only), this exceptional property offers the perfect combination of location, space, and lifestyle that makes Destin one of Florida's most sought-after coastal communities. Schedule your private showing today and experience all that this remarkable home has to offer.

Highlights

Listed by Amanda S Walker , 850-419-6168 Elevation Realty Inc , 850-419-6168. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.18

Year Built

1992

County

Okaloosa

Area

14 - Destin

Neighborhood

Ridge Wood Manor

Listing ID

1005437

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:3
  • Full Bathrooms:3
Appliances:Auto Garage Door Opn, Dishwasher, Disposal, Microwave, Refrigerator, Refrigerator W/IceMk, Smoke Detector, Stove/Oven Gas, Water Heater - Elect
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Hardwood,Floor Tile,Floor Vinyl,Floor WW Carpet
Other:
  • Additional:Ceiling Vaulted, Fireplace, Lighting Recessed, Washer/Dryer Hookup, Woodwork Painted

Exterior Features

Lot:Interior,Level,Sidewalk,Storm Sewer
Lot Dimensions:70x110
Zoning:Resid Single Family
Others:
  • Additional:Fenced Back Yard, Lawn Pump, Pool - Gunite Concrt, Sprinkler System, Yard Building, Patio Open, Porch Screened, Fenced Privacy
Parking Features:Garage
Principal Interest
$3,297
Taxes
$435

Home Price

$650,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$130,000
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:
$3,296.68

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,296.68 $434.78 $0.00 $3,731.46
Yearly $39,560.13 $5,217.41 $0.00 $44,777.54
Total $1,186,803.85 $156,522.30 $0.00 $1,343,326.15

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: 2026-08-20T07:16:22.000Z

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