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$765,000

  • For Sale
  • Active
  • Condo / Townhouse
  • 2 Beds
  • 2 Full Baths
  • 1,126 Sq. Ft.
  • Updated 7 days ago
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NEW PRICE ADJUSTMENT, 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 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 and a fully renovated primary bath, The open-concept living area flows effortlessly into the private Gulf-front balcony upgraded with new sliding door assemblies in 2022. Watch the dolphins swim by from your covered balcony or the privacy and comfort of your living room 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 the kitchen area, a wet bar with built-in ice maker, a dedicated laundry closet with stacked LG washer and dryer for added convenience. and a utility closet. Wake up to ocean views in the spacious primary bedroom, complete with a king bed and balcony access. The recently renovated 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 upgraded balcony sliding door with complete assemblies in Living room and Primary 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 and workout equipment. " 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.

Full Property Details for 1044 E Hwy 98 E #405

General

  • Price: $765,000
  • Taxes: $6,600 (2024)
  • Status: Active
  • Type: Condo /Townhouse
  • Source: Emerald_Coast
  • MLS ID: 980259
  • Updated: 2/16/2026
  • Added to Site: 233 day(s) ago

Interior

  • Rooms/Areas: Balcony, Bedroom, Dining Area, Foyer, Full Bathroom, Kitchen, Living Room, Master Bathroom, Master Bedroom, Other
  • Interior Features: Ceiling Crwn Molding, Elevator, Floor Tile, 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, Woodwork Painted
  • Appliances: Cooktop, Dishwasher, Disposal, Dryer, Fire Alarm/Sprinkler, Ice Machine, Microwave, Range Hood, Refrigerator, Refrigerator W/IceMk, Smoke Detector, Smooth Stovetop Rnge, Stove/Oven Electric, Washer

Rooms

Bathrooms

  • Total Bathrooms: 2
  • Full Bathrooms: 2

Bedrooms

  • Total Bedrooms: 2

Other Rooms

  • Foyer/Entry: Foyer
  • Living Room: Living Room
  • Kitchen: Kitchen
  • Other Room 1: Other

Additional Information

  • Shared Amenities: BBQ Pit/Grill, Beach, Dumpster, Elevators, Exercise Room, Fishing, Gated Community, Handicap Provisions, Pets Allowed, Pickle Ball, Pool, Sauna/Steam Room, Short Term Rental - Allowed, Tennis, TV Cable, Waterfront
  • Pool: Yes

Exterior

  • Exterior Features: Balcony, BBQ Pit/Grill, Deck Open, Fenced Lot-All, Fenced Privacy, Patio Open, Pool - Enclosed, Pool - Heated, Pool - In-Ground, Renovated, Sauna/Steam, Shower, Sprinkler System, Tennis Court
  • Patio/Balcony: Balcony

Location

  • Area: 14 - Destin
  • County: Okaloosa
  • Subdivision: Emerald Towers Unit 405
  • Driving Directions: From FL-293 (Bay Bridge & Destin Commons, travel west on US 98 W 2.6 miles to Emerald Towers on the left, just past Airport Road and Silber Beach towers.Fom McGuire's Irish Pub at the Destin Bridge and Harborwalk, travel east on Hwy 98 E 3 miles to Emerald Towers on the right, just past Sundestin

School Information

  • Elementary School: Destin
  • Middle School: Destin
  • High School: Destin

Heating & Cooling

  • Heating/Cooling: AC - Central Elect, Ceiling Fans, Heat Cntrl Electric, Heat Pump Air To Air, Insulated Doors, Insulated Floors, Storm Doors, Storm Windows, Tinted Windows, Water Heater - Elect

Utilities

  • Utility Description: Community Sewer, Community Water, Electric, Public Sewer, Public Water, TV Cable

Structural Information

  • Construction: Concrete, Foundation Off Grade, Roof Concrete, Roof Flat, Roof Membrane, Roof Metal, Roof Pitched, Siding EIFS, Slab, Steel, Stucco, Trim Aluminum
  • Stories/Levels: 0
  • Stories in Building: 15
  • Square Feet: 1,126
  • Sq. Ft. Source: Condo Docs
  • Year Built: 1983

Unit Information

  • Units in Building: 83

Lot Features

  • Property View: Gulf

Water Features

  • Water Front Type: Gulf, Shore - Beach, Shore - Natural, Unit Waterfront

Financial Considerations

  • Assessment Amount: $2,488
  • Assmt Payment Freq: Quarterly
  • Tax Amount: $6,600
  • Tax Year: 2024
  • Terms: Conventional, FHA, Owner, VA

Disclosures and Reports

  • 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.
  • Assessment: Yes
  • APN: 00-2S-22-1011-0000-0405

Listed by Keller Williams Realty Destin

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— 1044 E Hwy 98 E #405 —

  • Keller Williams Realty Destin

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NMLS#: 1598647

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Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

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Schools serving 1044 E Hwy 98 E #405

School District:Okaloosa County School District
NameGradesDistance
Destin Elementary School
630 Kelly Street, Destin, FL 32541
PK-41.8 mi
Destin Middle School
4608 Legendary Marina Drive, Destin, FL 32541
5-82.7 mi
Fort Walton Beach High School
400 Hollywood Boulevard Southwest, Fort Walton Beach, FL 32548
9-1210.4 mi
Disclaimer: School attendance boundaries provided by Pitney Bowes and are for reference only. Contact the school directly to verify enrollment eligibility.

Price & Sales History for 1044 E Hwy 98 E #405 Get Price Alerts and Save Property

Date
Details
Price
Change
Source
2/12/2026
Price Reduced
$765,000
-1.92%
MLS
10/30/2025
Price Reduced
$780,000
-1.89%
MLS
7/25/2025
Price Reduced
$795,000
-3.64%
MLS
7/05/2025
Listed
$825,000
47.98%
MLS
1/28/2003
Sold
$557,500
—
Public Record
Get Price Alerts and Save Property
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

Tax History for 1044 E Hwy 98 E #405

Year
Property Taxes
Change
Tax Assessment
Change
2025
$11,133
7%
$990,000
4%
2024
$10,419
6%
$955,000
4%
2023
$9,842
35%
$920,000
57%
2021
$7,265
-11%
$585,000
-13%
2022
$8,134
12%
$675,000
23%
2021
$7,265
12%
$550,000
8%
2019
$6,469
7%
$510,000
8%
2018
$6,048
-2%
$471,000
—
2017
$6,156
1%
$471,000
—
2016
$6,118
-1%
$471,000
—
2015
$6,192
10%
$471,000
12%
2014
$5,646
7%
$421,000
8%
2013
$5,274
—
$390,000
—
View All
Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

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Listed by Keller Williams Realty Destin

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Listed by Vicki Matthews

1044 E Highway 98 E #405, Destin, FL 32541 (MLS# 980259) is a Condo / Townhouse property with 2 bedrooms and 2 full bathrooms. 1044 E Highway 98 E #405 is currently listed for $765,000 and was received on July 05, 2025. Want to learn more about 1044 E Highway 98 E #405? Do you have questions about finding other Condo / Townhouse real estate for sale in Destin? You can browse all Destin real estate or contact a Coldwell Banker agent to request more information.

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