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Harrison Lilly

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

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628 Mountain Dr , Destin, FL 32541
$489,000
Est. Payment: $2,480.12/mo
4 Bed
3 Bath
2550 Sqft
Status: active | Days on site: 84
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

BRAND NEW ROOF! Welcome to this beautifully maintained single-level home located in the highly desirable Sea Hills neighborhood in the heart of Destin. Just minutes from the Destin Harbor, waterfront dining, shopping, entertainment, and the white sand beaches of the Emerald Coast, this spacious residence offers comfort, functionality, and exceptional outdoor living. This thoughtfully designed split floor plan features 4 bedrooms and 3 baths, including two primary suites with private en-suite baths, making it ideal for multi-generational living, guests, or a second-home retreat. Inside, you'll find fresh interior paint, crown molding, new lighting fixtures, a built-in desk and cabinetry, and a cozy natural gas fireplace that anchors the main living area. The spacious Florida room adds approximately 450 square feet of additional living space and overlooks a backyard oasis. The kitchen is equipped with stainless steel appliances, granite counters, new kitchen sink. Home rewired 2025, roof 2026, refrigerator 2026, and a dishwasher 2025. The home also features two jetted tubs, a walk-in shower, an on-demand hot water heater installed in 2022, central heat and air with HVAC replaced in 2019, and a whole-house Generac generator for added peace of mind. Hurricane shutters and a fully irrigated lawn further enhance the property's convenience and durability. Outdoor living shines with approximately 520 square feet of decking, outer deck lighting, and mature shrubbery providing privacy and a fully fenced backyard with room for a future POOL addition. A gated boat pad offers secure storage for your boat or recreational vehicles. Perfect for enjoying the Destin lifestyle with easy access to the harbor and Gulf waters. With no HOA, abundant outdoor space, and a prime central Destin location, this move-in-ready property offers an outstanding opportunity as a primary residence, vacation home, or investment property. Only long-term rentals allowed--buyer to verify all information. Call listing agent Robin Payne to schedule a showing.

Highlights

Listed by Abbott Martin Group , 850-460-2900 and Robin D Payne , 850-855-7274 EXP Realty LLC , 850-460-2900. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.22

Year Built

1974

County

Okaloosa

Area

14 - Destin

Neighborhood

Sea Hills 1St

Listing ID

1003008

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:3
  • Full Bathrooms:3
Air Cond:Ceiling Fans
Fireplaces:
Other:
  • Additional:Fireplace

Exterior Features

Lot Dimensions:Irregular
Zoning:Resid Single Family
Principal Interest
$2,480
Taxes
$400

Home Price

$489,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$97,800
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:
$2,480.12

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,480.12 $399.52 $0.00 $2,879.63
Yearly $29,761.39 $4,794.22 $0.00 $34,555.61
Total $892,841.67 $143,826.60 $0.00 $1,036,668.27

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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