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725 Gulf Shore Dr Unit 202B, Destin, FL, 32541

2beds
2baths
1,531sqft
$649,000
$424price/sqft
$4,130/moest. monthly cost
$165,200/yrincome needed

About This Home

Experience the best of coastal living in this 2-bedroom, 2-bath west-facing condo on the harbor on Holiday Isle. Enjoy stunning sunsets and tranquil water views from your private retreat, perfectly positioned in a gated community just steps from the white sands and emerald waters of the Gulf. Inside, the open floor plan creates a bright and inviting space, complemented by updated appliances and comfortable living areas, ideal for relaxing or entertaining. Step out onto your private waterfront balcony--the perfect place to unwind and take in breathtaking sunset views over the harbor, offering a front-row seat to some of the most beautiful evenings on the Emerald Coast. Owners have one covered parking spot. There are two swimming pools, one is exclusive for owners, and a fitness center. The well-stocked kitchen boasts granite counters, stainless LG appliances and a spacious breakfast bar, flowing to a roomy dining area, and spacious living area. The primary suite has a peek of the gulf, nice harbor views and features a walk-in closet, jetted tub and separate walk-in shower. The guest bedroom has a full ensuite bath. There is also a locked outside storage area near the entrance door. The exterior of the condo building has been recently painted, adding to it's fresh, well-maintained appeal. Located just minutes from all of the harbor's dining, entertainment, and water activities, this condo offers both convenience and an unbeatable lifestyle. Whether you're seeking a short-term rental investment, a second home, or a full-time residence, this exceptional property checks every box.

Getting Around

40
WalkingCar-Dependent
0
TransitVery Limited Transit
35
BikeSomewhat Bikeable

Schools

10/10
Destin Elementary SchoolGrades PK-41.2 mi
9/10
Destin Middle SchoolGrades 5-83.8 mi
5/10

Construction

Condition

  • Property condition: Construction Complete
  • Year built: 2006

Materials

  • Construction materials: Concrete,Stucco

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Microwave,Refrigerator,Washer,Electric Water Heater

Bedroom

  • Level: First
  • Area: 176.25
  • Dimensions: 14.1 x 12.5

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Level: First
  • Area: 456
  • Dimensions: 28.5 x 16

Features

  • Breakfast Bar,Owner's Closet
  • Window features: Window Treatments
  • Flooring: Tile,Carpet

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,531
  • Total interior livable area: 1,531 sqft

Kitchen

  • Level: First
  • Area: 120.242
  • Dimensions: 11.8 x 10.2

Laundry

  • Level: First
  • Area: 82.17
  • Dimensions: 9.9 x 8.3

Master Bedroom

  • Level: First
  • Area: 210
  • Dimensions: 16.8 x 12.5

Property

Details

  • Parcel number: 002S22192600000202

Features

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

Parking

  • Total 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
  • 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 $3,281$39,372
Home Insurance *$98$1,176
Property Taxes $554$6,648
Electricity $197$2,366
Total$4,130$49,560
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$141,600/yr
40% on housing$123,900/yr
45% on housing$110,133/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

$424This listing

vs Other Active Listings

Avg $/sqft

ZIP 32541$410
Okaloosa County$262

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
2026-04-23Listed for sale$649,000
2019-07-03Sold$400,000
2019-05-10Listed for sale$425,000
2018-05-15Sold$375,000

For Sale by Agent

AgentBeth Beno
BrokerageCindy Cole Fine Homes LLC

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