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Harrison Lilly Team

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

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1080 U.S. 98 Unit 401 , Destin, FL 32541
$1,525,000
Est. Payment: $8,425.41/mo
3 Bed
3 Bath
1907 Sqft
Status: Pending | Days on site: 19
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Harrison Lilly Team
Owner/Operator

House Description

You simply will not find a more beautiful condo in all of Destin. One of the few 3 bed, 2 bath units combines sweeping Gulf views, a beautifully updated interior, an impressive primary suite, and substantial recent improvements in one of Destin's most convenient Gulf-front locations. Immediately to the left is an expansive primary suite that feels like a private retreat, complete with its own dedicated HVAC system, separate water heater, and private patio access. A beautifully renovated bathroom, completed in July 2025, is a showpiece featuring a freestanding soaking tub, oversized walk-in shower with frameless glass, floor-to-ceiling tile, dual vanities, and contemporary fixtures. The main living area is bright, open, and designed around the view. Large windows and sliding glass doors bring the emerald waters of the Gulf directly into the living space. The open kitchen features stainless steel appliances, generous counter space, and a large peninsula that connects naturally to the dining and living areas. Step outside to the private Gulf-front balcony and enjoy a front-row view of Destin's white-sand beaches. Major recent improvements includes a new water heater serving the main living area installed in 2025, and new hurricane windows and doors. Whether the goal is a full-time residence, second home, or coastal investment property, this is a rare opportunity to own a beautifully updated three-bedroom Gulf-front condo in the heart of Destin.

Highlights

Listed by Bill Ullery , 850-502-9199 Berkshire Hathaway HomeServices , 850-502-5995. Emerald Coast Multiple Listing Services

Property Type

Condo/Townhome

HOA Fee

Year Built

1994

County

Okaloosa

Area

14 - Destin

Neighborhood

Sterling Sands Condo

Listing ID

1011280

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:Cooktop, Dishwasher, Dryer, Microwave, Refrigerator, Refrigerator W/IceMk, Smoke Detector, Stove/Oven Electric, Washer, Water Heater - Elect
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Hardwood
Other:
  • ▪ Additional:Owner's Closet, Pantry, Washer/Dryer Hookup

Exterior Features

Others:
  • ▪ Additional:Balcony
Sewer:Public Sewer
Principal Interest
$8,425
Taxes
$953
HOA
$0

Home Price

$1,525,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$305,000
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:
$8,425.41

Principal

Taxes

Principal Taxes HOA Total
Monthly $8,425.41 $953.08 $0.00 $9,378.49
Yearly $101,104.86 $11,437.00 $0.00 $112,541.86
Total $3,033,145.92 $343,110.00 $0.00 $3,376,255.92

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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