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10 Harbor Blvd Unit W828, Destin, FL, 32541

3beds
3baths
1,566sqft
$725,000
$463price/sqft
$4,765/moest. monthly cost
$190,600/yrincome needed

About This Home

Perched along the shimmering edge of Destin Harbor, Emerald Grande W828 emerges as a rare coastal jewel--an investment opportunity wrapped in spectacle, serenity, and substantial return. This waterfront sanctuary not only commands spellbinding sunset panoramas but also boasts the uncommon luxury of its own stretch of sand, where the horizon melts into hues of amber and rose each evening. With an impressive $87,000 in established rental revenue, this residence is far more than a picturesque retreat--it is a proven income-generating asset. Within the building, only a select few units offer the coveted configuration of three full bedrooms paired with three well-appointed baths, making this particular condominium an exceptional find. Step inside and you are greeted by interiors that feel both curated and inviting. The décor has been thoughtfully refreshed, blending coastal elegance with modern sensibility. Underfoot, sleek wood-look flooring flows seamlessly throughout--no trace of carpet, only clean lines and effortless upkeep. Beyond the residence itself lies a collection of amenities that rival those of elite resorts. A gently sloping, zero-entry outdoor pool invites leisurely dips beneath the sun, while two bubbling hot tubs promise relaxation after a day on the water. An indoor pool offers year-round enjoyment, complemented by a lively poolside bar. Fitness enthusiasts will appreciate the expansive gym, while those seeking indulgence can retreat to the onsite spa or savor cuisine at the in-house restaurant. Even practicalities are elevated here, with EV charging stations and an array of additional conveniences woven into the experience. Emerald Grande's placement on Destin Harbor is nothing short of strategic brilliance. Just steps away, Harborwalk Village unfolds with its vibrant tapestry of dining, boutique shopping, live entertainment, and aquatic adventures. Whether you crave a sunset cruise, fresh Gulf seafood, or an afternoon of watersports, everything lies within effortless reach. In essence, Emerald Grande W828 is not merely a property--it is a lifestyle investment, where revenue potential and coastal enchantment coexist in perfect harmony.

Getting Around

60
WalkingSomewhat Walkable
0
TransitVery Limited Transit
47
BikeSomewhat Bikeable

Schools

10/10
Destin Elementary SchoolGrades PK-41.3 mi
8/10
Destin Middle SchoolGrades 5-85.2 mi
5/10

Construction

Condition

  • Property condition: Construction Complete,Renovated
  • Year built: 2007

Materials

  • Construction materials: Concrete,Stucco

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Electric Water Heater
  • Laundry features: Common Area,Washer/Dryer Hookup

Bedroom

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

Bedroom

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

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Owner's Closet
  • Window features: Window Treatments
  • Flooring: Tile,Vinyl

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,566
  • Total interior livable area: 1,566 sqft

Living Room

  • Level: First
  • Area: 387.5
  • Dimensions: 31 x 12.5

Master Bathroom

  • Level: First
  • Area: 117
  • Dimensions: 13 x 9

Master Bedroom

  • Level: First
  • Area: 169
  • Dimensions: 13 x 13

Property

Details

  • Parcel number: 002S221701000W0828

Features

  • Pool features: In Ground
  • Exterior features: Balcony
  • Has spa: Yes
  • Spa features: Heated
  • Has view: Yes
  • View description: Bay,Gulf,Gulf/Pass,Harbor,Intracoastal Waterwy
  • Has water view: Yes
  • Water view: Bay,Gulf,Gulf/Pass,Harbor,Intracoastal Waterwy
  • On waterfront: Yes
  • Waterfront features: Gulf/Pass,Harbor,Intracoastal Wtrwy,Waterfront

Parking

  • Parking features: Other,Garage
  • Has garage: Yes

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 $3,665$43,980
Home Insurance *$110$1,320
Property Taxes $793$9,516
Electricity $197$2,366
Total$4,765$57,180
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$163,371/yr
40% on housing$142,950/yr
45% on housing$127,066/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

$463This 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
2026-03-30Listed for sale$725,000
2025-04-30Listing removed$798,000
2025-04-28Listed for sale$798,000
2025-04-14Listing removed$798,000
2025-01-10Listed for sale$798,000
2024-02-28Listing removed--
2024-02-16Listed for sale$859,500
2024-02-08Listing removed--
2023-05-26Price change$859,500
2023-02-21Listed for sale$868,000
2019-03-03Listing removed$599,000
2018-09-15Listed for sale$599,000
2018-03-01Listing removed$599,000
2017-10-12Price change$599,000
2017-09-21Listed for sale$609,900
2012-09-26Listing removed$599,000
2012-03-25Listed for sale$599,000
2007-06-13Sold$1,007,700

For Sale by Agent

AgentRichard Eimers
BrokerageBeach Road Realty

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