655 Emerald Bay Dr, Destin, FL, 32541
About This Home
This stunning five-bedroom, four-bathroom ranch home with a three-car garage is located in the serene Emerald Bay Golf Club community and is just moments from the clubhouse and neighborhood amenities. A creamy Greek villa stucco exterior, an eight-foot wood front door, and tiled porches make a perfect place to enjoy your morning coffee. As you step into the home, you are met with picturesque fairway views. The main living space features a triple sliding glass door that leads to a porch overlooking the fairway ideal for indoor-outdoor living and entertaining. Spend evenings in front of the beautiful fireplace, surrounded by seaglass and shiplap detailing. The formal dining room showcases custom millwork throughout, offering an inviting space for hosting family dinners. The spa-like master bathroom boasts a shimmering blue herringbone accent tile, along with dual vanities. With its functional single-story layout, modern fixtures/ finishes, and desirable golf course setting, this home offers a well-balanced blend of style, comfort, and location within Emerald Bay.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Under Construction
- Year built: 2026
Materials
- Construction materials: Stucco
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Cooktop,Dishwasher,Disposal,Microwave,Range Hood,Gas Water Heater
- Laundry features: Washer/Dryer Hookup
Bedroom
- Level: First
- Area: 132
- Dimensions: 11 x 12
Bedroom
- Level: First
- Area: 132
- Dimensions: 11 x 12
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 4
- Full bathrooms: 4
Dining Room
- Level: First
- Area: 144
- Dimensions: 12 x 12
Features
- Crown Molding,Kitchen Island,Recessed Lighting,Pantry,Shelving
- Window features: Double Pane Windows
- Fireplace features: Gas
- Fireplace: Yes
- Common walls with other units/homes: No Common Walls
Heating & Cooling
- Heating features: Natural Gas
- Cooling features: Gas,Ceiling Fan(s)
Interior Area
- Total structure area: 2,376
- Total interior livable area: 2,376 sqft
Kitchen
- Level: First
- Area: 168
- Dimensions: 14 x 12
Living Room
- Level: First
- Area: 306
- Dimensions: 17 x 18
Master Bathroom
- Level: First
- Area: 120
- Dimensions: 12 x 10
Master Bedroom
- Level: First
- Area: 240
- Dimensions: 15 x 16
Property
Details
- Parcel number: 002S22102A000T0050
- Zoning description: Resid Single Family
Features
- Stories: 1
- Patio & porch: Screened
Lot
- Features: On Golf Course
- Lot size dimensions: 60 x 109 x 62 x 107
Parking
- Total spaces: 3
- Parking features: Garage
- Has garage: Yes
- Attached garage spaces: 3
- Covered spaces: 3
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
- Lightning
- Tornado
- Heat Wave
- Strong Wind
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Okaloosa County and Florida
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $4,853 | $58,236 |
| Home Insurance * | $145 | $1,740 |
| Property Taxes | $471 | $5,652 |
| Electricity | $239 | $2,869 |
| Total | $5,708 | $68,496 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-11 | Pending sale | $959,900 |
| 2026-04-28 | Price change | $959,900 |
| 2026-03-09 | Price change | $989,800 |
| 2026-02-03 | Listed for sale | $989,900 |
| 2024-07-17 | Listing removed | -- |
| 2024-04-19 | Listed for sale | $230,000 |
| 2023-09-06 | Sold | $220,000 |
| 2023-08-18 | Pending sale | $225,000 |
| 2023-08-15 | Listed for sale | $225,000 |
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