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2732 Scenic Highway 98 #6, Destin, FL, 32541

5beds
6baths
3,032sqft
$3,345,000
$1,103price/sqft
$20,900/moest. monthly cost
$836,000/yrincome needed

About This Home

There is a certain confidence to a home that knows exactly what it is, and this gulf-front villa delivers it from the moment you arrive. With four levels of thoughtfully designed living, direct access to the sand and sweeping water views from nearly every floor, this residence offers the kind of beachfront experience buyers rarely find: polished, private and fully equipped for both personal enjoyment and high-performing rental potential. Completed in 2021 as part of Destin's highly anticipated Henderson Beach Villas, this five-bedroom (easily converting to six with a potential bunkroom) residence spans approximately 3,032 square feet and places the beach at center stage at every opportunity. Step straight out to the sand from the expanded 102-sq.-ft. ground-floor patio, or take in the changing colors of the water from balconies and outdoor living spaces framed with see-through glass railings. At the top, a 658-sq.-ft. rooftop deck creates a remarkable setting for sunset evenings, complete with a heated 9-by-16 gunite pool, covered cabana, and additional storage. Inside, professionally designed interiors by Duce & Company Interiors pair durability with a refined coastal finish. Porcelain and hardwood floors run throughout the home, while high-impact retractable glass sliders, a 10-ft. first-floor ceiling, custom shaker cabinetry and a sophisticated mix of quartz, marble and quartzite surfaces elevate the kitchen and baths. Sub-Zero and Wolf appliances anchor the kitchen, and an in-unit elevator makes all four levels easily accessible. This villa was designed for comfort as much as style. A private theater and game room add another layer of livability, while extensive soundproofing includes dual acoustical panels and firewalls between units, soundproofing between floors, and sound mats beneath every level. The home is also pre-wired for Control4 smart home operation and includes a full-home sound system. Recent updates further enhance functionality and peace of mind, including a complete pool refinish with plumbing, waterproofing of the pool basin, a finished attic floor for additional storage and surge protectors installed on the AC units. A UniFi enterprise-grade network system with wiring and cameras services the entire property and allows Wi-Fi coverage throughout the home and onto the beach. With private deeded beach access, community grilling stations, gated beachfront entry, a private beach walkover, two dedicated parking spaces plus five additional guest spaces and short-term rentals allowed, this 10-unit gulf-front offering is as compelling for investment as it is for lifestyle. Elegant, highly functional and positioned directly on the sand, this is beachfront living with real presence.

Getting Around

46
WalkingCar-Dependent
0
TransitVery Limited Transit
40
BikeSomewhat Bikeable

Schools

8/10
Destin Middle SchoolGrades 5-81.2 mi
5/10
10/10
Destin Elementary SchoolGrades PK-43.9 mi

Construction

Condition

  • Property condition: Construction Complete
  • Year built: 2021

Materials

  • Roof: Metal
  • Construction materials: Brick Front,Siding CmntFbrHrdBrd

Type & Style

  • Home type: Townhouse
  • Property subType: Townhouse

Interior

Appliances

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

Bedroom

  • Level: First
  • Area: 110
  • Dimensions: 11 x 10

Bedroom

  • Level: Second
  • Area: 156
  • Dimensions: 12 x 13

Bedroom

  • Level: Third
  • Area: 154
  • Dimensions: 11 x 14

Bedroom

  • Level: Third
  • Area: 156
  • Dimensions: 12 x 13

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 6
  • Full bathrooms: 5
  • 1/2 bathrooms: 1

Features

  • Breakfast Bar,Kitchen Island,Recessed Lighting,Wallpaper,Woodwork Painted,Elevator
  • Flooring: Hardwood,Tile

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air,Ceiling Fan(s)

Interior Area

  • Total structure area: 3,032
  • Total interior livable area: 3,032 sqft

Kitchen

  • Level: First
  • Area: 126
  • Dimensions: 14 x 9

Living Room

  • Level: First
  • Area: 306
  • Dimensions: 18 x 17

Master Bedroom

  • Level: Second
  • Area: 308
  • Dimensions: 14 x 22

Other

  • Level: Fourth
  • Area: 288
  • Dimensions: 36 x 8

Other

  • Level: Fourth
  • Area: 112
  • Dimensions: 16 x 7

Other

  • Level: Fourth
  • Area: 360
  • Dimensions: 20 x 18

Property

Details

  • Parcel number: 002S22102200000060
  • Zoning description: Resid Multi-Family, Resid Single Family

Features

  • Stories: 4
  • Private pool: Yes
  • Pool features: Heated,In Ground,Gunite
  • Patio & porch: Covered
  • Exterior features: Outdoor Grill,Balcony
  • Has view: Yes
  • View description: Gulf
  • Has water view: Yes
  • Water view: Gulf
  • On waterfront: Yes
  • Waterfront features: Gulf

Lot

  • Lot size: 1,306 sqft
  • Features: Cleared,Covenants,Restrictions,Within 1/2 Mile to Water
  • Lot size dimensions: 18 x 60

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
  • Coastal Flooding
    Coastal FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Coastal Flooding
Lightning
Inland Flooding
Tornado
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 $16,914$202,968
Home Insurance *$508$6,096
Property Taxes $3,173$38,076
Electricity $305$3,661
Total$20,900$250,800
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$716,571/yr
40% on housing$627,000/yr
45% on housing$557,333/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

$1,103This listing

vs Other Active Listings

Avg $/sqft

ZIP 32541$405
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
2026-04-20Listed for sale$3,345,000
2021-02-15Sold$2,395,000

For Sale by Agent

AgentHeather M Parrish
BrokerageScenic Sotheby's International Realty

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