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Harrison Lilly

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

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1080 E U.S. 98 Unit 804 , Destin, FL 32541
$677,500
Est. Payment: $3,436.15/mo
2 Bed
2 Bath
861 Sqft
Status: active | Days on site: 113
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Perched atop the exclusive Sterling Sands Condominium, this rare penthouse unit offers an exceptional blend of privacy, comfort, and investment potential in the heart of Destin. With no neighbors above, you will enjoy a peaceful, quiet retreat complemented by breathtaking, unobstructed Gulf views from your private balcony with sleek glass panels--perfect for soaking in year-round sunsets. This beautifully maintained 2-bedroom, 2-bath condo is sold fully furnished and turnkey, making it ideal for immediate enjoyment or seamless rental income. This highly desirable floor plan already has demonstrating strong performance. Inside, the open-concept kitchen and living area create a bright, inviting space designed for both entertaining and everyday living, all while maximizing those stunning beachfront vistas. The breakfast bar and countertops have been renovated for modern, comfortable entertaining. Built with solid concrete construction, the building offers durability and peace of mind, further enhanced by a recently completed milestone inspection with no special assessments required. Sterling Sands is a beachfront resort with just eight stories, which ensures minimal elevator wait times and a more relaxed, uncrowded atmosphere. Residents and guests enjoy 460 feet of private, deeded sugar-white beach, available beach service, a seasonally heated beachfront pool and hot tub, a gulf-front fitness center building, and a convenient grilling area. The less crowded design of the development also ensures ample parking is available to you and your guests. Located just minutes from Destin's premier dining, shopping, and entertainment, this penthouse presents an outstanding opportunity whether you're seeking a luxurious full-time residence, a serene second home, or a high-performing addition to your investment portfolio.

Highlights

Listed by The Beninateam , 706-615-5336 Beachy Beach Real Estate , 850-532-6262. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

775 Monthly

Year Built

1994

County

Okaloosa

Area

17 - Okaloosa

Neighborhood

Sterling Sands Condo

Listing ID

789265

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Washer/Dryer Stacked, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Jetted Tub, Main Level Primary, Tub Shower

Exterior Features

Lot:Paved
Lot Dimensions:0x0
Zoning:Resort
Sewer:Public Sewer
Parking Features:Paved,Parking Lot
Principal Interest
$3,436
Taxes
$432
HOA
$775

Home Price

$677,500

Loan Details

30 yrs
6.529%

Down Payment

20%
$135,500
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:
$3,436.15

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $3,436.15 $431.91 $775.00 $4,643.06
Yearly $41,233.83 $5,182.88 $9,300.00 $55,716.70
Total $1,237,014.78 $155,486.25 $279,000.00 $1,671,501.03

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 Bay County Association of REALTORS, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-08-20T06:33:19.000Z

© 2026 Bay County Association of REALTORS