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Harrison Lilly

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

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1006 Highway 98 Unit 131 , Destin, FL 32541
$474,900
Est. Payment: $2,408.60/mo
3 Bed
2 Bath
1020 Sqft
Status: active | Days on site: 42
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Penthouse Coastal Retreat with Private Beach Access, Gulf Views & Spectacular Sunsets - Priced to Sell! Opportunity is knocking! This is the lowest-priced 3-bedroom condo south of Highway 98, offering an exceptional chance to own a beautifully updated beach getaway in one of Destin's most sought-after locations. With financing options available starting at just 10% down, this is an incredible value for a primary residence, second home, or investment property. Perched on the top-floor penthouse level, this beautifully remodeled 3-bedroom, 2-bath residence captures stunning Gulf views and unforgettable western sunsets from its oversized private balcony--the perfect place to unwind after a day at the beach. Accessible from both the living room and the spacious primary suite, this outdoor living space is designed for relaxing, entertaining, and enjoying the coastal breeze year-round. Inside, you'll discover a light-filled interior featuring luxury tile flooring throughout with absolutely no carpet, elegant crown molding, designer furnishings, and a calming coastal color palette that instantly feels like home. The open-concept living area flows effortlessly into a beautifully updated kitchen complete with granite countertops, abundant cabinetry, + more - creating an inviting space for gathering with family, friends and vacationing guests. The spacious primary suite serves as a private retreat with a walk-in closet and direct balcony access, while two additional guest bedrooms provide comfortable accommodations for family and visitors. Located south of Highway 98, St. Martin Beachwalk Villas offers one of Destin's greatest conveniences--private deeded beach access without crossing a busy highway. Simply follow the private beach walkway approximately 200 yards to the sugar-white sands and emerald waters of the Gulf of Mexico. Residents enjoy outstanding community amenities including a sparkling swimming pool, expansive sun deck, picnic area, BBQ grilling stations, lush landscaping, and a peaceful, low-rise atmosphere that feels tucked away while remaining in the heart of Destin. The location is simply unbeatable. You're just minutes from Destin Harbor, Destin Commons, Big Kahuna's Water Park, premier dining, shopping, entertainment, golf, boating, and everything that has made the Emerald Coast one of Florida's most desirable destinations. Whether you're searching for a full-time residence, luxury vacation home, or income-producing investment, this penthouse opportunity combines location, lifestyle, Gulf views, private beach access, and exceptional value into one remarkable property. Priced to sell and ready for its next owner--schedule your private showing today before this incredible beach opportunity is gone.

Highlights

Listed by Kyle V Hock , 850-225-6893 RealJoy Realty LLC , 850-290-8060. Emerald Coast Multiple Listing Services

Property Type

Condo/Townhome

HOA Fee

Year Built

1993

County

Okaloosa

Area

14 - Destin

Neighborhood

St Martin Beachwalk Villas

Listing ID

1007167

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Cooktop, Dishwasher, Disposal, Dryer, Microwave, Oven Continue Clean, Refrigerator, Refrigerator W/IceMk, Smoke Detector, Washer, Water Heater - Elect
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Tile,Floor WW Carpet
Other:
  • Additional:Breakfast Bar, Newly Painted, Owner's Closet, Pantry, Washer/Dryer Hookup

Exterior Features

Others:
  • Additional:Balcony, Porch, Porch Open
Sewer:Public Sewer
Principal Interest
$2,409
Taxes
$395
HOA
$0

Home Price

$474,900

Loan Details

30 yrs
6.529%

Down Payment

20%
$94,980
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:
$2,408.60

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,408.60 $394.78 $0.00 $2,803.39
Yearly $28,903.24 $4,737.40 $0.00 $33,640.64
Total $867,097.15 $142,122.00 $0.00 $1,009,219.15

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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