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Harrison Lilly Team

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

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1656 Scenic Gulf Dr , Destin, FL 32550
$3,200,000
Est. Payment: $17,679.54/mo
8 Bed
8 Bath
5749 Sqft
Status: Active | Days on site: 6
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Harrison Lilly Team
Owner/Operator

House Description

Completely reimagined and extensively renovated in 2026, this Miramar Beach duplex offers two identical three story residences totaling 5,040 square feet of heated and cooled living space. With no HOA, deeded beach access directly across Scenic Gulf Drive, Gulf views, a fenced shared pool, and an updated paved driveway with on site parking, this is a rare Emerald Coast opportunity. Each residence offers approximately 2,520 square feet with 4 bedrooms, 3 full bathrooms, and 1 half bathroom. The first floor includes two bedrooms, a full bathroom, and a spacious living area with direct pool access. One first floor bedroom in each residence features custom built bunk beds for additional sleeping accommodations. The second floor features an open living and dining area, half bathroom, Gulf view balcony, and updated kitchen with quartz countertops, white shaker cabinetry, subway tile backsplash, stainless steel appliances, and generous storage. The third floor provides two bedrooms, two full bathrooms, and an additional Gulf view balcony. Permitted improvements include a metal reroof, siding, doors, flooring, sheetrock, kitchens, bathrooms, water heaters, vanities, plumbing and electrical fixtures, trim, ceiling fans, lighting, paint, and refreshed exterior amenities. This property offers exceptional flexibility for investment, multigenerational living, or a coastal retreat.

Highlights

Listed by Carl E Allen , 850-960-8808 Counts Real Estate Group Inc , 850-249-1414. Emerald Coast Multiple Listing Services

Property Type

Residential

Year Built

1984

County

Okaloosa

Area

15 - Miramar/Sandestin Resort

Neighborhood

Warren Heights

Listing ID

1010256

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:8
  • ▪ Bathrooms:8
  • ▪ Full Bathrooms:6
  • ▪ 1/2 Bathrooms:2
Appliances:Dishwasher, Microwave, Refrigerator, Smoke Detector, Smooth Stovetop Rnge, Stove/Oven Electric, Water Heater - Elect
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Other:
  • ▪ Additional:Breakfast Bar, Lighting Recessed, Newly Painted, Washer/Dryer Hookup

Exterior Features

Zoning:Resid Multi-Family
Sewer:Public Sewer
Principal Interest
$17,680
Taxes
$2,040

Home Price

$3,200,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$640,000
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:
$17,679.54

Principal

Taxes

Principal Taxes HOA Total
Monthly $17,679.54 $2,040.00 $0.00 $19,719.54
Yearly $212,154.47 $24,480.00 $0.00 $236,634.47
Total $6,364,634.07 $734,400.00 $0.00 $7,099,034.07

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: 2026-10-07T04:14:31.000Z

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