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1044 E Highway 98 405, Destin, FL 32541

$780,000
Property Type: Residential Bedrooms: 2 Baths: 2 Square Footage: 1,126 Status: Active
Current Price: $780,000 List Date: 7/05/2025 Last Modified: 12/20/2025

Description

With a price improvement, lower interest rates, HOA fees reduced by 9.75% and Owner Financing* for qualified buyers, don't miss this incredible opportunity!!! Your dream investment/vacation beachfront property could be closer than you think! Experience breathtaking views of the Gulf from this beautifully updated 4th-floor Beachfront condo in the prestigious Emerald Towers in Destin FL. Overlooking the sugar-white sands and emerald waters, this turnkey unit offers the perfect blend of comfort, style, and convenience. Step inside to discover fresh upgrades throughout, including a brand-new HVAC system, professionally painted interiors and cabinetry.

Supplements: The open-concept living area flows effortlessly into the private Gulf-front balcony upgraded with new sliding door assemblies in 2022. The beachfront balcony is ideal for morning coffee or sunset cocktails and is accessible from both the Living areas and primary bedroom. The well-appointed kitchen features quality Frigidaire and GE appliances in white to brighten the kitchen area, a wet bar with built-in ice maker, and a dedicated laundry closet with stacked LG washer and dryer for added convenience. Wake up to ocean views in the spacious primary bedroom, complete with a king bed and balcony access. The en-suite bathroom includes a walk-in shower, dual vanities and a built-in linen closet offering generous storage. The spacious guest bedroom has two closets and one can be used for the owners closet. Sold fully furnished and ready for immediate enjoyment or rental except for 4 items in documents. Recent Upgrades: " New Sliding door complete assemblies in Living room and Master Bedroom. " New Heating and Cooling system in June 2025 " New Paint July 2025 " New Wet Bar Ice Maker in July 2025 Emerald Towers amenities include: " Gulf-front, seasonally heated pool " Stainless gas grills at pool overlooking the ocean. " Tennis/pickleball courts " Fitness center with sauna and steam room " Gated community with direct beach access A full exterior restoration of the building was completed in 2022, ensuring peace of mind and long-term value. Whether you're searching for a vacation retreat, investment property, or primary residence, this Gulf-front gem is a must-see. *Owner Financing terms are 1% above prime. Contact Ken Frizzell 615-390-6932 for showings and more details.

More Information MLS# 980259

Contract Info

Listing Board: Emerald Coast List Price/SqFt: 692.72 List Date: 2025-07-04 Current Price: $780,000 List Price: $780,000

Location, Tax and Legal

Unit #: 405 Sub Area: 1401 - Destin Beach West Elementary School: Destin Middle School: Destin High School: Destin Legal Description: From Okaloosa County Tax Records: The legal description for Emerald Towers in Destin, FL, is: Lot 1, Block A, Destin Beach, according to the plat thereof, recorded in Plat Book 2, Page 27, in the public records of Okaloosa County, Florida, according to Destin Property Expert. It is located at 1044 US Highway 98 East. The complex is a 15-story building with 83 units.

General Property Info

Sub-Type: Condominium Design: N/A SqFt Source: Condo Docs Stories In Unit: 1 # of Units in Bldg: 83 Stories in Building: 15 Unit Floors Above Ground: 4 Immediate Occupancy: Yes Pre-Const Flip: No Garage: No Carport: No Carport Spaces: 0 Covered Spaces: 0 Driveway Spaces: 120 Street Spaces: 0 Assigned Spaces: 0 Pool: Yes Pool Type: Private Apx SqFt(Htd/Cooled): 1126 Bedrooms: 2 Full Baths: 2 Total Bathrooms: 2 Year Built: 1983

Listing Info, Tax & Legal

Homestead: Yes Is Subject Leased: No Assessment Fees: Yes Assessment Amount: 2488.98 Annual Assessment Amount: 9955.92 Assessment Paid: Quarterly New Buyer Fee: No Last Taxes: 6600.12 Last Tax Year: 2024 Brokerage Interest: No Interest As Is: Yes

Remarks & Misc

Remarks: With a price improvement, lower interest rates, HOA fees reduced by 9.75% and Owner Financing* for qualified buyers, don't miss this incredible opportunity!!! Your dream investment/vacation beachfront property could be closer than you think! Experience breathtaking views of the Gulf from this beautifully updated 4th-floor Beachfront condo in the prestigious Emerald Towers in Destin FL. Overlooking the sugar-white sands and emerald waters, this turnkey unit offers the perfect blend of comfort, style, and convenience. Step inside to discover fresh upgrades throughout, including a brand-new HVAC system, professionally painted interiors and cabinetry.

Sale Type

Accept Backup Offers: 1

Waterfront

Gulf: 1 Shore - Beach: 1 Shore - Natural: 1 Unit Waterfront: 1

Construction Status

Construction Complete: 1

Waterview

Gulf: 1

Project Facilities

BBQ Pit/Grill: 1 Beach: 1 Dumpster: 1 Elevators: 1 Exercise Room: 1 Fishing: 1 Handicap Provisions: 1 Pets Allowed: 1 Pickle Ball: 1 Pool: 1 Sauna/Steam Room: 1 Short Term Rental - Allowed: 1 Tennis: 1 Waterfront: 1

Construction/Siding

Concrete: 1 Foundation Off Grade: 1 Roof Concrete: 1 Roof Flat: 1 Roof Membrane: 1 Roof Metal: 1 Roof Pitched: 1 Siding EIFS: 1 Slab: 1 Steel: 1 Trim Aluminum: 1

Utilities

Community Sewer: 1 Electric: 1 Public Water: 1 TV Cable: 1

Exterior

Balcony: 1 BBQ Pit/Grill: 1 Deck Covered: 1 Fenced Lot-All: 1 Fenced Privacy: 1 Pool - Heated: 1 Pool - In-Ground: 1 Renovated: 1 Sauna/Steam: 1 Shower: 1 Sprinkler System: 1 Tennis Court: 1

Interior

Ceiling Crwn Molding: 1 Elevator: 1 Floor Tile: 1 Floor WW Carpet: 1 Floor WW Carpet New: 1 Furnished - All: 1 Lighting Recessed: 1 Lighting Track: 1 Newly Painted: 1 Owner's Closet: 1 Pantry: 1 Renovated: 1 Shelving: 1 Walls Mirrored: 1 Washer/Dryer Hookup: 1 Wet Bar: 1 Window Treatmnt Some: 1

Financing

Conventional: 1 FHA: 1 VA: 1

Appliances

Cooktop: 1 Dishwasher: 1 Disposal: 1 Dryer: 1 Fire Alarm/Sprinkler: 1 Freezer: 1 Ice Machine: 1 Microwave: 1 Range Hood: 1 Refrigerator: 1 Refrigerator W/IceMk: 1 Smoke Detector: 1 Smooth Stovetop Rnge: 1 Stove/Oven Electric: 1 Washer: 1

Energy

Heat Cntrl Electric: 1 Heat Pump Air To Air: 1 Insulated Doors: 1 Insulated Floors: 1 Storm Doors: 1 Storm Windows: 1 Tinted Windows: 1 Water Heater - Elect: 1

Mstr Bdrm/Mstr Bath

MBath Double Vanity: 1 MBath Separate Shwr: 1 MBath Shower Only: 1 MBed Balcony: 1 MBed Carpeted: 1 MBed First Floor: 1 MBed Waterfront: 1

Master Bedroom

First: 1

Bedroom

First: 1

Kitchen

First: 1

Living Room

First: 1

Full Bathroom

First: 1

Rooms

Balcony: 1 Bedroom: 1 Dining Area: 1 Foyer: 1 Full Bathroom: 1 Kitchen: 1 Living Room: 1 Master Bathroom: 1 Master Bedroom: 1 Other: 1

Fees Include

Accounting: 1 Ground Keeping: 1 Internet Service: 1 Management: 1 Master Association: 1 Recreational Faclty: 1 Repairs/Maintenance: 1 Security: 1 Sewer: 1 Trash: 1 TV Cable: 1 Water: 1

Status Change Info

Status: Active

Location Tax and Legal

Area: 14 - Destin Street #: 1044 Street Direction: E Street Name: Highway 98 State: FL Zip Code: 32541 County: Okaloosa Project Name/Subdivision: EMERALD TOWERS UNIT 405 Parcel ID: 00-2S-22-1011-0000-0405

Property Features

Sale Type: Accept Backup Offers Construction Status: Construction Complete Waterfront: Gulf; Shore - Beach; Shore - Natural; Unit Waterfront Waterview: Gulf Project Facilities: BBQ Pit/Grill; Beach; Dumpster; Elevators; Exercise Room; Fishing; Handicap Provisions; Pets Allowed; Pickle Ball; Pool; Sauna/Steam Room; Short Term Rental - Allowed; Tennis; Waterfront Exterior: Balcony; BBQ Pit/Grill; Deck Covered; Fenced Lot-All; Fenced Privacy; Pool - Heated; Pool - In-Ground; Renovated; Sauna/Steam; Shower; Sprinkler System; Tennis Court Interior: Ceiling Crwn Molding; Elevator; Floor Tile; Floor WW Carpet; Floor WW Carpet New; Furnished - All; Lighting Recessed; Lighting Track; Newly Painted; Owner's Closet; Pantry; Renovated; Shelving; Walls Mirrored; Washer/Dryer Hookup; Wet Bar; Window Treatmnt Some Appliances: Cooktop; Dishwasher; Disposal; Dryer; Fire Alarm/Sprinkler; Freezer; Ice Machine; Microwave; Range Hood; Refrigerator; Refrigerator W/IceMk; Smoke Detector; Smooth Stovetop Rnge; Stove/Oven Electric; Washer Utilities: Community Sewer; Electric; Public Water; TV Cable Energy: Heat Cntrl Electric; Heat Pump Air To Air; Insulated Doors; Insulated Floors; Storm Doors; Storm Windows; Tinted Windows; Water Heater - Elect Master Bedroom: First Bedroom: First Kitchen: First Living Room: First Full Bathroom: First Rooms: Balcony; Bedroom; Dining Area; Foyer; Full Bathroom; Kitchen; Living Room; Master Bathroom; Master Bedroom; Other Financing: Conventional; FHA; VA Fees Include: Accounting; Ground Keeping; Internet Service; Management; Master Association; Recreational Faclty; Repairs/Maintenance; Security; Trash; TV Cable; Water

Room Information

Foyer Level: First Dimensions: 13 x 310 Length: 13.00 Width: 310.00 Dimensions: 13 x 310 Kitchen Level: First Dimensions: 115 x 1,011 Length: 115.00 Width: 1011.00 Dimensions: 115 x 1,011 Dining Area Level: First Dimensions: 1,410 x 74 Length: 1410.00 Width: 74.00 Dimensions: 1,410 x 74 Living Room Level: First Dimensions: 1,410 x 140 Length: 1410.00 Width: 140.00 Dimensions: 1,410 x 140 Balcony Level: First Dimensions: 1,410 x 80 Length: 1410.00 Width: 80.00 Dimensions: 1,410 x 80 Master Bedroom Level: First Dimensions: 156 x 124 Length: 156.00 Width: 124.00 Dimensions: 156 x 124 Master Bathroom Level: First Dimensions: 1,111 x 124 Length: 1111.00 Width: 124.00 Dimensions: 1,111 x 124 Bedroom Level: First Dimensions: 126 x 124 Length: 126.00 Width: 124.00 Dimensions: 126 x 124 Full Bathroom Level: First Dimensions: 84 x 73 Length: 84.00 Width: 73.00 Dimensions: 84 x 73 Other Level: First Dimensions: 54 x 37 Length: 54.00 Width: 37.00 Dimensions: 54 x 37
Listing Office: Keller Williams Realty Destin
Last Updated: December - 20 - 2025
All information is believed to be accurate but is not guaranteed. Protected by Copyright© 2020 and is owned either by the Emerald Coast Association of REALTORS®, Inc or by the developers of the software, FBS, Inc. All rights reserved.

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