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Harrison Lilly

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

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1030 U.S. 98 Unit 43 , Destin, FL 32541
$640,000
Est. Payment: $3,245.96/mo
2 Bed
3 Bath
1492 Sqft
Status: active | Days on site: 66
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Welcome to Unit 43 at Silver Dunes Condominium, a rare two-story penthouse residence offering nearly 1,500 square feet of living space in one of Destin's most sought-after beachfront communities. Located on the top floor of the Penthouse Building, this unique 2-bedroom, 2-bathroom condo combines the privacy and spaciousness of a townhome with the convenience of condominium living. Spanning 1,492 square feet, this thoughtfully designed floor plan features generous living areas, abundant natural light, and a desirable gulf-facing primary bedroom where you can wake up to breathtaking views of the Emerald Coast. The two-story layout creates a distinct separation between living and sleeping spaces, making it ideal for full-time living, a vacation getaway, or an income-producing rental property. This residence has been extensively updated, offering peace of mind and modern comfort with a newer HVAC system, water heater, electrical upgrades, appliances, and furnishings. The result is a move-in ready coastal retreat that blends timeless beach charm with today's conveniences. Silver Dunes is a gated, low-density beachfront community situated on approximately eight acres of beautifully landscaped grounds. Owners and guests enjoy an impressive collection of resort-style amenities, including 600 feet of private sugar-white beach, a seasonally heated swimming pool, fitness center, tennis courts, basketball court, beach volleyball court, grilling and picnic areas, game room, shuffleboard, and a lush central courtyard. Conveniently located in the heart of Destin, Silver Dunes places you just minutes from world-class dining, shopping, entertainment, golf, HarborWalk Village, and the area's renowned fishing fleet. Opportunities to own a two-story penthouse condo in this iconic beachfront community are rare. Whether you're looking for a primary residence, second home, or investment property, Unit 43 delivers the best of the Destin lifestyle.

Highlights

Listed by Hunter M Denton , 423-708-4628 RE/MAX by the Sea , 850-424-3674. Emerald Coast Multiple Listing Services

Property Type

Condo/Townhome

HOA Fee

Year Built

1973

County

Okaloosa

Area

14 - Destin

Neighborhood

Silver Dunes Condo

Listing ID

1005482

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:Dishwasher, Disposal, Dryer, Microwave, Refrigerator W/IceMk, Smoke Detector, Stove/Oven Electric, Washer, Water Heater - Elect
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Tile
Other:
  • Additional:Owner's Closet, Washer/Dryer Hookup

Exterior Features

Lot:Gulf
Others:
  • Additional:Balcony
Sewer:Public Sewer
Principal Interest
$3,246
Taxes
$408
HOA
$0

Home Price

$640,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$128,000
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:
$3,245.96

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,245.96 $408.00 $0.00 $3,653.96
Yearly $38,951.51 $4,896.00 $0.00 $43,847.51
Total $1,168,545.33 $146,880.00 $0.00 $1,315,425.33

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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