3655 Scenic Highway 98 502B, Destin, FL 32541 (MLS# 993916)

3655 Scenic Highway 98 502B, Destin, FL 32541

$430,000

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Property Type: Residential Bedrooms: 2 Baths: 2 Square Footage: 1,314 Status: Active

Current Price: $430,000 List Date: 1/28/2026 Last Modified: 1/30/2026

Description

Assumable 2.375% VA Loan - Beachside Bliss with Built-In Savings This updated 2BR/2BA condo at The Enclave offers private beach access, a pool, tennis courts, and more, plus a rare assumable VA loan at 2.375% for qualified buyers. Perched on the 5th floor with floor-to-ceiling windows, the unit features LVP flooring, a spacious great room, stylish kitchen with granite counters, and comes fully furnished. Enjoy a smart split layout, walk-in closet, private laundry and owner's closet, and turnkey comfort. Steps to dining, shopping, and bike paths. Don't miss this opportunity to own in paradise with comfortable monthly payments.

Supplements: Ideal for both personal use and rental potential, this condo offers a true turnkey opportunity in one of Destin's most desirable beachfront communities. The unit includes a private, lockable owner's closet for added storage and convenience, along with a spacious pantry rarely found in similar floorplans. Covered owner parking, elevator access, and additional on-site storage make ownership easy and comfortable. The Enclave is well-known for its strong amenity package and convenient beach lifestyle, with community laundry available for guests on select floors. A great option for buyers seeking low-maintenance coastal living with excellent versatility.

More Information MLS# 993916

Contract Info

Listing Board: Emerald Coast List Price/SqFt: 327.25 List Date: 2026-01-28 Current Price: $430,000 List Price: $430,000

Location, Tax and Legal

Unit #: 502B Sub Area: 1404 - Destin Beach East Elementary School: Destin Middle School: Destin High School: Destin Legal Description: ENCLAVE PH II UNIT B502

General Property Info

Sub-Type: Condominium Design: N/A SqFt Source: County PA Records Stories In Unit: 6 # of Units in Bldg: 30 Stories in Building: 6 Unit Floors Above Ground: 5 Garage: Yes Carport: No Pool: Yes Pool Type: Community Apx SqFt(Htd/Cooled): 1314 Bedrooms: 2 Full Baths: 2 Total Bathrooms: 2 Year Built: 1980 Garage Spaces: 2

Listing Info, Tax & Legal

Homestead: Yes Is Subject Leased: No Assessment Fees: Yes Assessment Amount: 1084 Annual Assessment Amount: 13008 Assessment Paid: Monthly New Buyer Fee: No New Buyer Fee Amt: 0 Last Taxes: 5199.3 Last Tax Year: 2025 Brokerage Interest: No Interest As Is: No

Remarks & Misc

Remarks: Assumable 2.375% VA Loan - Beachside Bliss with Built-In Savings This updated 2BR/2BA condo at The Enclave offers private beach access, a pool, tennis courts, and more, plus a rare assumable VA loan at 2.375% for qualified buyers. Perched on the 5th floor with floor-to-ceiling windows, the unit features LVP flooring, a spacious great room, stylish kitchen with granite counters, and comes fully furnished. Enjoy a smart split layout, walk-in closet, private laundry and owner's closet, and turnkey comfort. Steps to dining, shopping, and bike paths. Don't miss this opportunity to own in paradise with comfortable monthly payments.

Construction Status

Construction Complete: 1

Parking Features

Garage: 1 Guest: 1

Waterview

Gulf: 1

Project Facilities

BBQ Pit/Grill: 1 Beach: 1 Community Room: 1 Deed Access: 1 Dumpster: 1 Elevators: 1 Exercise Room: 1 Gated Community: 1 Laundry: 1 Pets Allowed: 1 Pool: 1 Short Term Rental - Allowed: 1 TV Cable: 1

Construction/Siding

Concrete: 1 Steel: 1 Stucco: 1

Utilities

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

Exterior

Balcony: 1 Pool - In-Ground: 1 Tennis Court: 1

Assumable Mtg Typ

VA Fixed: 1

Interior

Floor Tile: 1 Floor Vinyl: 1 Furnished - All: 1 Newly Painted: 1 Owner's Closet: 1 Pantry: 1 Renovated: 1 Washer/Dryer Hookup: 1 Woodwork Painted: 1

Financing

Conventional: 1 VA: 1

Appliances

Dishwasher: 1 Fire Alarm/Sprinkler: 1 Freezer: 1 Microwave: 1 Refrigerator W/IceMk: 1 Stove/Oven Electric: 1

Energy

AC - Central Elect: 1 Ceiling Fans: 1 Heat Cntrl Electric: 1 Water Heater - Elect: 1

Mstr Bdrm/Mstr Bath

MBath Tile: 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 Room: 1 Foyer: 1 Full Bathroom: 1 Kitchen: 1 Living Room: 1 Master Bathroom: 1 Master Bedroom: 1

Fees Include

Accounting: 1 Ground Keeping: 1 Insurance: 1 Management: 1 Master Association: 1 Recreational Faclty: 1 Sewer: 1 Trash: 1 TV Cable: 1 Water: 1

Status Change Info

Status: Active

Location Tax and Legal

Area: 14 - Destin Street #: 3655 Street Name: Scenic Highway 98 State: FL Zip Code: 32541 County: Okaloosa Project Name/Subdivision: ENCLAVE PH 2 Parcel ID: 00-2S-22-082B-000B-5020

Property Features

Construction Status: Construction Complete Waterview: Gulf Parking Features: Garage; Guest Project Facilities: BBQ Pit/Grill; Beach; Community Room; Deed Access; Dumpster; Elevators; Exercise Room; Gated Community; Laundry; Pets Allowed; Pool; Short Term Rental - Allowed; TV Cable Exterior: Balcony; Pool - In-Ground; Tennis Court Interior: Floor Tile; Floor Vinyl; Furnished - All; Newly Painted; Owner's Closet; Pantry; Renovated; Washer/Dryer Hookup; Woodwork Painted Appliances: Dishwasher; Fire Alarm/Sprinkler; Freezer; Microwave; Refrigerator W/IceMk; Stove/Oven Electric Utilities: Electric; Public Sewer; Public Water; TV Cable Energy: AC - Central Elect; Ceiling Fans; Heat Cntrl Electric; Water Heater - Elect Master Bedroom: First Bedroom: First Kitchen: First Living Room: First Full Bathroom: First Rooms: Balcony; Bedroom; Dining Room; Foyer; Full Bathroom; Kitchen; Living Room; Master Bathroom; Master Bedroom Assumable Mtg Typ: VA Fixed Financing: Conventional; VA Fees Include: Accounting; Ground Keeping; Insurance; Management; Master Association; Recreational Faclty; Trash; TV Cable; Water

Room Information

Living Room Level: First Dimensions: 22 x 13 Length: 22.00 Width: 13.00 Remarks: ~ meas. Dimensions: 22 x 13 Dining Room Level: First Dimensions: 12 x 10.5 Length: 12.00 Width: 10.50 Remarks: ~ meas. Dimensions: 12 x 10.5 Kitchen Level: First Dimensions: 10 x 7.5 Length: 10.00 Width: 7.50 Remarks: ~ meas. Dimensions: 10 x 7.5 Master Bedroom Level: First Dimensions: 19 x 11 Length: 19.00 Width: 11.00 Remarks: ~ meas. Dimensions: 19 x 11 Master Bathroom Level: First Dimensions: 5.5 x 8.5 Length: 5.50 Width: 8.50 Remarks: ~ meas. Dimensions: 5.5 x 8.5 Bedroom Level: First Dimensions: 19 x 10.25 Length: 19.00 Width: 10.25 Remarks: ~ meas. Dimensions: 19 x 10.25 Full Bathroom Level: First Dimensions: 7 x 8 Length: 7.00 Width: 8.00 Remarks: ~ meas. Dimensions: 7 x 8 Foyer Level: First Dimensions: 7 x 5 Length: 7.00 Width: 5.00 Remarks: ~ meas. Dimensions: 7 x 5 Balcony Level: First Dimensions: 6 x 10.5 Length: 6.00 Width: 10.50 Remarks: ~ meas. Dimensions: 6 x 10.5

Listing Office: REV Realty

Last Updated: January - 30 - 2026

All information is believed to be accurate but is not guaranteed. Protected by Copyright© 2026 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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