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Harrison Lilly Team

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

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1030 Us-98 Unit 49 , Destin, FL 32541
$615,000
Est. Payment: $3,397.79/mo
2 Bed
3 Bath
1492 Sqft
Status: Active | Days on site: 1
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EEXX - E33818
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Harrison Lilly Team
Owner/Operator

House Description

Unit 49 at Silver Dunes is a distinctive two-story penthouse offering an exceptional opportunity to own in a very popular established beachfront community in Destin. Located on the top floor of the Penthouse Building, this 2-bedroom, 2-bath residence offers 1,492 square feet of living space with a layout that feels more like a private townhome than a traditional condominium. The two-level floor plan provides a natural separation between the main living areas and private spaces, creating a comfortable and spacious setting for everyday living or time at the beach. Abundant natural light fills the residence, while the Gulf-facing primary bedroom offers beautiful views of Destin's emerald waters--a remarkable backdrop to wake up to each morning. Set across approximately eight beautifully maintained acres, Silver Dunes is a gated, low-density beachfront community with approximately 600 feet of private sugar-white sand beach along the Gulf of Mexico. The property offers an extensive collection of amenities, including a seasonally heated swimming pool, fitness center, tennis courts, basketball court, beach volleyball, shuffleboard, game room, grilling and picnic areas, and a lush central courtyard. Silver Dunes is ideally positioned in the heart of Destin, placing owners and guests within minutes of the area's restaurants, shopping, entertainment, golf, HarborWalk Village, and Destin's renowned boating and fishing attractions--all while enjoying the privacy and convenience of a gated beachfront community. With its two-story penthouse design, generous square footage, Gulf-facing primary suite, updates, and direct access to the beach, Unit 49 presents a unique opportunity for those seeking a primary residence, second home, or investment property along the Emerald Coast.

Highlights

Listed by Lauren P Wall , 504-220-4044 EXP Realty LLC , 888-883-8509. 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

1012058

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:2
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:2
  • ▪ 1/2 Bathrooms:1
Appliances:Dishwasher, Disposal, Dryer, Freezer, Refrigerator, Refrigerator W/IceMk, Stove/Oven Electric, Washer, Water Heater - Elect
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Tile,Floor Vinyl
Other:
  • ▪ Additional:Breakfast Bar, Elevator, Pantry, Shelving, Walls Mirrored, Washer/Dryer Hookup

Exterior Features

Lot:Gulf
Others:
  • ▪ Additional:Balcony, BBQ Pit/Grill, Sprinkler System, Tennis Court
Sewer:Public Sewer
Parking Features:Carport
Principal Interest
$3,398
Taxes
$392
HOA
$0

Home Price

$615,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$123,000
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:
$3,397.79

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,397.79 $392.06 $0.00 $3,789.85
Yearly $40,773.44 $4,704.75 $0.00 $45,478.19
Total $1,223,203.11 $141,142.50 $0.00 $1,364,345.61

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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