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77 Mark St, Destin, FL, 32541

6beds
5baths
2,678sqft
$1,940,000
$724price/sqft
$12,251/moest. monthly cost
$490,040/yrincome needed

About This Home

YEAR TO DATE BOOKINGS AS OF JULY 21, 2026 $175,345.053 PRICED BELOW APPRAISAL Located in the highly desirable Crystal Beach community, this exceptional three-story coastal retreat offers a rare ''two homes in one'' configuration just under one block from Destin's renowned white-sand beaches. The property includes a golf cart, making beach access and cruising the neighborhood effortless and convenient. The main residence features 4 bedrooms, while a separate 2-bedroom carriage house provides additional privacy and flexibility, perfect for multi generation living, hosting guests, or maximizing rental income. Together the property comfortably accommodates up to 18 guests, making it perfectly suited for both personal enjoyment and strong short-term rental performance. Designed for coastal living & entertaining, the home offers multiple outdoor spaces including four private balconies, peek-a-boo Gulf views from the third level, and a fully fenced backyard with a heated pool & expansive deck. The thoughtfully designed interior spans three levels and features multiple en-suite bedrooms, a third-floor loft with kitchenette, and open-concept living, dining, and kitchen areas ideal for gathering. The carriage house includes two bedrooms, a full bathroom, walk-in closet, and kitchenette ,providing a private retreat for extended stays or guest accommodations. Additional highlights include ample parking and generous storage throughout. From an investment standpoint, the property has demonstrated strong rental performance, generating $163K in rental income in 2025, with $109K already booked for 2026 to date. Centrally located near Destin's premier dining, shopping, and entertainment, this home delivers an exceptional blend of coastal lifestyle, prime location and proven income potential in one of the area's most sought-after beach neighborhoods.

Getting Around

52
WalkingSomewhat Walkable
0
TransitVery Limited Transit
47
BikeSomewhat Bikeable

Schools

9/10
Destin Middle SchoolGrades 5-81.2 mi
5/10
10/10
Destin Elementary SchoolGrades PK-44.0 mi

Construction

Condition

  • Property condition: Construction Complete
  • Year built: 2004

Materials

  • Foundation: Slab
  • Roof: Metal
  • Construction materials: Siding CmntFbrHrdBrd

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Refrigerator,Washer,Electric Water Heater
  • Laundry features: Washer/Dryer Hookup

Bedroom

  • Level: First
  • Area: 165
  • Dimensions: 15 x 11

Bedroom

  • Level: Second
  • Area: 289
  • Dimensions: 17 x 17

Bedroom

  • Level: Third
  • Area: 165
  • Dimensions: 15 x 11

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 5
  • Full bathrooms: 5

Dining Room

  • Level: First
  • Area: 391
  • Dimensions: 23 x 17

Features

  • Breakfast Bar,Crown Molding,Vaulted Ceiling(s),In-Law Floorplan,Pantry,Walls Wainscoting
  • Window features: Window Treatments,Bay Window(s)
  • Flooring: Tile,Vinyl
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

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

Interior Area

  • Total structure area: 2,678
  • Total interior livable area: 2,678 sqft

Kitchen

  • Level: First
  • Area: 289
  • Dimensions: 17 x 17

Laundry

  • Level: First
  • Area: 64
  • Dimensions: 8 x 8

Master Bedroom

  • Level: Second
  • Area: 289
  • Dimensions: 17 x 17

Other

  • Level: Second
  • Area: 64
  • Dimensions: 8 x 8

Other

  • Level: Second
  • Area: 64
  • Dimensions: 8 x 8

Other

  • Level: Third
  • Area: 64
  • Dimensions: 8 x 8

Other

  • Level: First
  • Area: 64
  • Dimensions: 8 x 8

Other

  • Level: First
  • Area: 400
  • Dimensions: 20 x 20

Property

Details

  • Parcel number: 002S22058000120200
  • Zoning description: Resid Single Family

Features

  • Stories: 3
  • Private pool: Yes
  • Pool features: Heated,In Ground
  • Patio & porch: Deck,Porch
  • Exterior features: Balcony,Private Yard,Outdoor Shower,Sprinkler System
  • Fencing: Privacy
  • Has view: Yes
  • View description: Gulf
  • Has water view: Yes
  • Water view: Gulf

Lot

  • Lot size: 7,405 sqft
  • Features: Interior Lot,Level,Sidewalk,Within 1/2 Mile to Water
  • Lot size dimensions: 50 x 150

Parking

  • Total spaces: 4

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 $9,809$117,708
Home Insurance *$294$3,528
Property Taxes $1,879$22,548
Electricity $269$3,234
Total$12,251$147,012
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$420,034/yr
40% on housing$367,530/yr
45% on housing$326,693/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

$724This 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
2026-05-26Price change$1,940,000
2026-05-20Listed for sale$1,945,000
2026-04-06Pending sale$1,945,000
2026-03-16Price change$1,945,000
2026-02-09Listed for sale$1,995,000
2025-08-04Listing removed$2,175,000
2025-05-09Listed for sale$2,175,000
2025-04-07Listing removed$2,224,900
2025-02-21Listed for sale$2,224,900
2022-07-18Sold$1,830,000
2022-06-15Pending sale$1,998,000
2022-05-09Price change$1,998,000
2022-04-22Price change$1,999,000
2022-03-31Listed for sale$2,099,000
2021-01-29Sold$1,097,500
2020-12-06Pending sale$1,095,000
2020-11-20Listed for sale$1,095,000
2016-07-15Listing removed$1,150,000
2015-07-08Listed for sale$1,150,000
2005-06-06Sold$1,400,000

For Sale by Agent

AgentAbbott Martin Group
BrokerageEXP Realty LLC

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