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89 Shirah St, Destin, FL, 32541

8beds
9baths
5,753sqft
$3,999,000
$695price/sqft
$24,875/moest. monthly cost
$995,000/yrincome needed

About This Home

Sleek coastal contemporary design perfectly situated to capture gulf views & masterfully configured providing unparalleled amenities including a Watermark-built 60,000 gallon private resort style pool area complete with a sunken swim-up bar as well as an adjoining spa and tranquil waterfall feature. This home was designed to maximize functionality and finely appointed with chic contemporary finishes while affording optimal comfort & living space. Notable features include multiple indoor and outdoor living areas, private commercial grade elevator, dual master suites with gulf views, built-in pinterest worthy bunkbeds, indoor and outdoor surround sound system as well as security cameras for optimal privacy. The first floor layout boasts a spacious bunk room, full size laundry area, large bedroom with ensuite bath as well as an industrial style game room complete with an incredible custom built boat bar, pool table & built in wet bar including a full size stainless fridge. The second floor is the focal point of indoor living space with a sleek contemporary living room featuring pecky cypress ceilings, floor to ceiling windows to soak in natural light & gulf views, built-in entertainment center with floating shelves and open to the kitchen & dining room for optimal flow. The ample sized kitchen features floor-to-ceiling custom cabinetry, Sub-Zero appliances and Wolf professional series gas range, ample storage and is anchored by a massive center island crowned with gorgeous quartz countertops. The second floor also features two full bedrooms with ensuite bathrooms, convenient half bath as well as access to the second story outdoor dining area overlooking the lagoon style pool. The third floor features three full bedrooms including dual master suites with spacious porches, laundry area, bunk room as well as a fourth story viewing deck to maximize the incredible gulf and western oriented views that surround this prestigious home. Crystal Beach owners enjoy multiple beach access points steps from the home and centrally located near Destin's world class golfing, dining, shopping & entertainment. Please reach out to us today for the cost-to-own and rental projection figures for the property.

Getting Around

48
WalkingCar-Dependent
0
TransitVery Limited Transit
48
BikeSomewhat Bikeable

Schools

8/10
Destin Middle SchoolGrades 5-81.0 mi
5/10
10/10
Destin Elementary SchoolGrades PK-44.0 mi

Construction

Condition

  • Property condition: Construction Complete
  • Year built: 2018

Materials

  • Roof: Metal
  • Construction materials: Frame,Stucco,Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Contemporary
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Cooktop,Dishwasher,Disposal,Dryer,Freezer,Double Oven,Range Hood,Refrigerator,Washer,Gas Water Heater,Tankless Water Heater
  • Laundry features: Washer/Dryer Hookup

Bathroom

  • Level: First
  • Area: 52.936
  • Dimensions: 10.4 x 5.1

Bathroom

  • Level: First
  • Area: 41.87
  • Dimensions: 7.9 x 5.3

Bathroom

  • Level: Second
  • Area: 43.8
  • Dimensions: 7.3 x 6

Bathroom

  • Level: Second
  • Area: 65.55
  • Dimensions: 9.5 x 6.9

Bathroom

  • Level: Second
  • Area: 39.702
  • Dimensions: 7.8 x 5.1

Bedroom

  • Level: First
  • Area: 158.4
  • Dimensions: 14.4 x 11

Bedroom

  • Level: Second
  • Area: 149.6
  • Dimensions: 13.6 x 11

Bedroom

  • Level: Second
  • Area: 181.5
  • Dimensions: 15 x 12.1

Bedroom

  • Level: Third
  • Area: 149.6
  • Dimensions: 13.6 x 11

Bedroom

  • Level: Third
  • Area: 161.2
  • Dimensions: 13 x 12.4

Bedrooms & Bathrooms

  • Bedrooms: 8
  • Bathrooms: 9
  • Full bathrooms: 8
  • 1/2 bathrooms: 1

Dining Area

  • Level: Second
  • Area: 305.28
  • Dimensions: 21.2 x 14.4

Family Room

  • Level: First
  • Area: 497.2
  • Dimensions: 22 x 22.6

Features

  • Crown Molding,Vaulted Ceiling(s),Kitchen Island,Recessed Lighting,Newly Painted,Owner's Closet,Pantry,Upgraded Media Wing,Wet Bar,Elevator
  • Window features: Double Pane Windows,Window Treatments
  • Flooring: Hardwood,Tile
  • Common walls with other units/homes: No Common Walls

Great Room

  • Level: Second
  • Area: 594.96
  • Dimensions: 26.8 x 22.2

Heating & Cooling

  • Heating features: Central,Heat High Efficiency,Natural Gas
  • Cooling features: Central Air,Ceiling Fan(s)

Interior Area

  • Total structure area: 5,753
  • Total interior livable area: 5,753 sqft

Kitchen

  • Level: Second
  • Area: 343.44
  • Dimensions: 21.2 x 16.2

Laundry

  • Level: First
  • Area: 23.68
  • Dimensions: 6.4 x 3.7

Master Bathroom

  • Level: Third
  • Area: 149.16
  • Dimensions: 13.2 x 11.3

Master Bathroom

  • Level: Third
  • Area: 224
  • Dimensions: 16 x 14

Master Bedroom

  • Level: Third
  • Area: 227.2
  • Dimensions: 16 x 14.2

Master Bedroom

  • Level: Third
  • Area: 131.04
  • Dimensions: 16.8 x 7.8

Other

  • Level: First
  • Area: 195.84
  • Dimensions: 14.4 x 13.6

Property

Details

  • Parcel number: 002S22128900000020
  • Zoning description: Resid Single Family

Features

  • Stories: 3
  • Private pool: Yes
  • Pool features: In Ground,Gunite
  • Patio & porch: Covered,Patio,Porch
  • Exterior features: Outdoor Grill,Balcony,Columns,Private Yard
  • Fencing: Privacy
  • Has view: Yes
  • View description: Gulf
  • Has water view: Yes
  • Water view: Gulf

Lot

  • Lot size: 7,840 sqft
  • Features: Level,Within 1/2 Mile to Water
  • Lot size dimensions: 53 x 150

Parking

  • Total spaces: 4
  • Parking features: Garage Door Opener,Oversized
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneVery High
  • Lightning
    LightningVery High
  • Tornado
    TornadoRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Tornado
Coastal Flooding
Heat Wave
Strong Wind
Tsunami

FEMA Declared Disasters in Okaloosa County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $20,221$242,652
Home Insurance *$607$7,284
Property Taxes $3,469$41,628
Electricity $578$6,947
Total$24,875$298,500
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$852,857/yr
40% on housing$746,250/yr
45% on housing$663,333/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 15.8%
15.8%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 0.1%
0.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$695This listing

vs Other Active Listings

Avg $/sqft

ZIP 32541$408
Okaloosa County$261

vs Homes Sold Last Month

Median $/sqft

ZIP 32541$401
Okaloosa County$205

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-02-28Listed for sale$4,195,000
2025-12-18Listing removed$3,999,000
2025-10-27Listed for sale$3,999,000
2025-10-23Listing removed$4,390,000
2025-06-03Price change$4,390,000
2025-01-10Listed for sale$4,450,000
2024-10-31Listing removed$4,790,000
2024-08-09Listed for sale$4,790,000
2024-05-02Listing removed$4,990,000
2023-12-04Listed for sale$4,990,000
2023-11-16Sold$4,000,000
2021-05-04Sold$3,200,000
2021-04-15Pending sale$3,200,000
2021-04-09Listed for sale$3,200,000
2021-03-25Pending sale$3,200,000
2021-03-03Listed for sale$3,200,000
2019-02-13Listing removed$3,299,000
2018-09-20Price change$3,299,000
2018-05-29Listed for sale$3,499,000
2018-01-26Sold$3,000,000

For Sale by Agent

AgentSpears Group
BrokerageCompass

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