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1040 Highway 98 Unit 110, Destin, FL, 32541

1beds
2baths
719sqft
$347,000
$483price/sqft
$2,357/moest. monthly cost
$94,280/yrincome needed

About This Home

Welcome to luxurious Sundestin 110, where you can experience unparalleled comfort and stunning views of the Gulf. The spacious gulf front property is the perfect spot to relax and enjoy the breathtaking scenery. As you step inside the property, you will be greeted by the tasteful decor and modern furnishings. This 1-bedroom, 1.5 - bathroom condo is in one of the best rental income buildings along the Panhandle! Enjoy the many resort style amenities at the Sundestin Resort including: on-site bar and grill, indoor and outdoor heated pools, hot tub, spa & fitness center, splash park, tiki bar, gift and sundry shop, massage therapy, game room, conference center for meetings and, of course, the beautiful, inviting sugar white beach right in front!

Getting Around

47
WalkingCar-Dependent
0
TransitVery Limited Transit
42
BikeSomewhat Bikeable

Schools

10/10
Destin Elementary SchoolGrades PK-41.8 mi
8/10
Destin Middle SchoolGrades 5-82.7 mi
5/10

Construction

Condition

  • Property condition: Construction Complete
  • Year built: 1984

Materials

  • Roof: Concrete
  • Construction materials: Concrete

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Refrigerator,Electric Water Heater
  • Laundry features: Common Area

Bedrooms & Bathrooms

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

Dining Area

  • Level: First
  • Area: 140
  • Dimensions: 14 x 10

Features

  • Breakfast Bar,Recessed Lighting,Walls Mirrored
  • Window features: Window Treatments
  • Flooring: Tile

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 719
  • Total interior livable area: 719 sqft

Kitchen

  • Level: First
  • Area: 120
  • Dimensions: 12 x 10

Living Room

  • Level: First
  • Area: 168
  • Dimensions: 14 x 12

Master Bedroom

  • Level: First
  • Area: 192
  • Dimensions: 16 x 12

Property

Details

  • Parcel number: 002S22455500000110

Features

  • Exterior features: Balcony
  • Has view: Yes
  • View description: Gulf
  • Has water view: Yes
  • Water view: Gulf
  • On waterfront: Yes
  • Waterfront features: Gulf,Waterfront

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 $1,754$21,048
Home Insurance *$52$624
Property Taxes $354$4,248
Electricity $197$2,366
Total$2,357$28,284
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$80,811/yr
40% on housing$70,710/yr
45% on housing$62,853/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

$483This listing

vs Other Active Listings

Avg $/sqft

ZIP 32541$411
Okaloosa County$263

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)

No zestimate history available

Price History

DateEventPrice
2026-01-28Listed for sale$349,000
2025-12-01Listing removed$349,000
2025-02-24Price change$349,000
2024-09-04Price change$370,000
2024-06-24Price change$390,000
2024-06-05Listed for sale$430,000

For Sale by Agent

AgentAt The Beach Team
BrokerageKeller Williams Realty Destin

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