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$2,290,000
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Property Description
This spacious waterfront home enjoys a stunning location right on a deepwater mooring with two boat lifts and easy access to the harbor and gulf. Even when you're not out on the water, the private pool and hot tub provide canal views while the party-sized observation deck is the ultimate place to view seasonal fireworks and breathtaking sunsets. Inside, the home continues to maximize those waterfront views with an open concept living space and chef's kitchen finished to a high standard of luxury. Gleaming tile floors flow through each beautifully furnished space while the cathedral ceiling provides a sense of airy spaciousness. The corner kitchen is fully equipped for keen chefs with a full range of newer stainless steel appliances. Defined by an angled bar with seating for family and friends, it's a natural gathering place for socializing or enjoying cool drinks and tasty snacks. As well as a formal dining area, the great room has a large sitting area for nights in watching TV or socializing with family and friends. With doors opening directly onto the pool terrace, it's the perfect space for parties and entertaining. Four beds provide ample space for extended families with a built-in bunk room that comfortably sleeps six in two twin-over-full beds. The second-floor master bedroom has sweeping views through a wall of windows. It also boasts direct access to the second-floor deck a great place to wander outside with a cup of coffee before the bustle of the day begins. Two full bathrooms include a master ensuite with a twin vanity and a huge walk-in shower. Protected by a state-of-the-art security system, this beach house retreat is surrounded by a generous landscaped yard with shady palm trees. A circular paved driveway offers parking for multiple vehicles while the garage provides additional storage for water toys, kayaks, bicycles and beach chairs. Located on Holiday Isle, this gorgeous home is a short stroll from public access to the beautiful white sand at aptly named Pelican Beach. Big Kahuna's Water Park is a short drive away, along with waterfront dining and shopping at colorful HarborWalk Village. Golf courses, fishing charters and shopping at Destin Commons are all available nearby, making this a highly desirable area for luxury vacation rentals when not in use by the owner.
Full Property Details
Full Property Details for 524 Vera Cruz Dr
General
- Price: $2,290,000
- Taxes: $13,066 (2024)
- Status: Active
- Type: Single Family
- Source: Emerald_Coast
- MLS ID: 985565
- Updated: 1/10/2026
- Added to Site: 122 day(s) ago
Interior
- Rooms/Areas: Bedroom, Dining Room, Kitchen, Living Room, Master Bathroom, Master Bedroom
- Interior Features: Breakfast Bar, Ceiling Crwn Molding, Ceiling Vaulted, Floor Tile, Lighting Recessed, Washer/Dryer Hookup
- Appliances: Auto Garage Door Opn, Dishwasher, Disposal, Dryer, Microwave, Refrigerator W/IceMk, Smoke Detector, Smooth Stovetop Rnge, Stove/Oven Electric, Trash Compactor, Washer
Rooms
Bathrooms
- Total Bathrooms: 2
- Full Bathrooms: 2
Bedrooms
- Total Bedrooms: 4
Other Rooms
- Living Room: Living Room
- Kitchen: Kitchen
- Dining Room: Dining Room
Additional Information
- Pool: Yes
Exterior
- Exterior Features: Balcony, Boat Slip, Deck Open, Dock, Fenced Lot-Part, Fenced Privacy, Hot Tub, Patio Open, Pool - In-Ground
Parking
- Garage: Yes
- Garage Spaces: 1
- Parking: Boat, Garage Attached, Guest, Oversized
Location
- Area: 14 - Destin
- County: Okaloosa
- Subdivision: Holiday Isle
- Driving Directions: Traveling east on Harbor Blvd/Hwy 98, turn right onto Gulf Shore Drive. Continue on Gulf Shore Drive for 1.4 miles. Turn right onto Norriego Road and then turn left onto Vera Cruz Drive. The house is located on the left.
School Information
- Elementary School: Destin
- Middle School: Destin
- High School: Destin
Heating & Cooling
- Heating/Cooling: AC - Central Elect, Ceiling Fans, Heat Cntrl Electric, Water Heater - Elect
Utilities
- Utility Description: Electric, Public Water, TV Cable
Structural Information
- Architectural Style: Contemporary
- Construction: Roof Metal, Stucco
- Stories/Levels: 2
- Square Feet: 2,166
- Sq. Ft. Source: County PA Records
- Year Built: 1981
Lot Features
- Property View: Canal
- Lot Size (Acres): 0.27
- Lot Dimensions: 90 x 128
- Street/Road Desc.: City Road, Paved Road
- Lot Features: Bulkhead/Seawall, Cleared, Interior, Within 1/2 Mile to Water
- Zoning: Resid Single Family
Water Features
- Water Front Type: Canal
Financial Considerations
- Assessment Amount: $395
- Assmt Payment Freq: Annually
- Tax Amount: $13,066
- Tax Year: 2024
- Terms: Conventional
Disclosures and Reports
- Legal Description: HOLIDAY ISLE LOT 89 BLK F
- Assessment: Yes
- APN: 00-2S-24-2186-000F-0890
Listed by Scenic Sotheby's International Realty
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Schools
Schools serving 524 Vera Cruz Dr
School District:Okaloosa County School District
| Name | Grades | Distance |
|---|---|---|
Destin Elementary School 630 Kelly Street, Destin, FL 32541 | PK-4 | 1.1 mi |
Destin Middle School 4608 Legendary Marina Drive, Destin, FL 32541 | 5-8 | 4.3 mi |
Fort Walton Beach High School 400 Hollywood Boulevard Southwest, Fort Walton Beach, FL 32548 | 9-12 | 8.8 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 524 Vera Cruz Dr
Date
Details
Price
Change
Source
1/10/2026
Price Reduced
$2,290,000
-0.43%
MLS
9/17/2025
Listed
$2,300,000
—
MLS
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
Tax History for 524 Vera Cruz Dr
Year
Property Taxes
Change
Tax Assessment
Change
2025
$14,037
7%
$1,224,263
7%
2024
$13,067
-1%
$1,141,637
—
2023
$13,199
59%
$1,143,411
67%
2021
$8,305
-14%
$684,436
-23%
2022
$9,639
16%
$892,649
50%
2021
$8,305
14%
$594,978
4%
2019
$7,288
5%
$574,574
6%
2018
$6,953
6%
$541,393
6%
2017
$6,557
9%
$511,057
8%
2016
$5,997
12%
$474,245
18%
2015
$5,359
-1%
$400,393
2%
2013
$5,388
—
$394,392
—
Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.
Estimate the Cost
Estimate the Cost for 524 Vera Cruz Dr
524 Vera Cruz Drive, Destin, FL 32541 (MLS# 985565) is a Single Family property with 4 bedrooms and 2 full bathrooms. 524 Vera Cruz Drive is currently listed for $2,290,000 and was received on September 17, 2025. Want to learn more about 524 Vera Cruz Drive? Do you have questions about finding other Single Family real estate for sale in Destin? You can browse all Destin real estate or contact a Coldwell Banker agent to request more information.

