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94 Dolphin St, Destin, FL, 32541

7beds
6baths
2,820sqft
$1,979,999
$702price/sqft
$12,345/moest. monthly cost
$493,800/yrincome needed

About This Home

YEAR TO DATE BOOKINGS AS OF JULY 21, 2026 $153,374.64 Located in the highly sought-after northeast corner of Crystal Beach, this beautifully appointed coastal retreat offers the perfect combination of luxury, lifestyle, and exceptional investment potential. Designed for unforgettable beach vacations and effortless everyday living, this spacious residence features 7 bedrooms, including 4 private en-suite retreats, 5.5 bathrooms, and approximately 2,800 square feet of thoughtfully designed living space. An open, light-filled floor plan creates the ideal gathering space, where the gourmet kitchen flows seamlessly into the dining and living areas, making entertaining family and friends effortless. Step outside to your own private backyard oasis featuring a heated pool, expansive outdoor living space, and a fully fenced yard designed for year-round enjoyment after a day at the beach. Positioned on an oversized homesite, the property also offers the rare opportunity to add a carriage house or guest cottage, creating additional guest accommodations, increased rental income potential, or private owner quarters. Whether you're searching for a luxury primary residence, a second home, or a high-performing vacation rental investment, this Crystal Beach gem delivers the location, space, flexibility, and future upside that discerning buyers are looking for--all just moments from the sugar-white sands and emerald waters of the Gulf of Mexico. The oversized gourmet kitchen features stainless steel appliances, beautiful cabinetry, a generous breakfast bar seating 8, and opens seamlessly to the large living area. The dining table comfortably seats 12, making it ideal for gatherings. The primary suite is located on the first floor and features a private ensuite bathroom with a separate stand-up shower and large soaking tub. The first floor also offers another bedroom with ensuite bath, laundry, and a half bath convenient for guests. Upstairs encompasses 5 more bedrooms including a king bedroom with a Jack-and-Jill bathroom connecting to a bunk room with two full-over-full bunks, another king bedroom with a private ensuite bathroom and direct access to an expansive balcony that is shared with a bunk room featuring two twin bunk beds. Enjoy the luxurious backyard retreat, complete with a heated pool and ample space for outdoor games and relaxation. The oversized lot also provides the opportunity to add a carriage house, enhancing future value and rental potential. Conveniently located in the northeast corner of Crystal Beach, close to dining, shopping, the Gulf, this home checks every box for location, income, and lifestyle. Also comes with a golf cart. ***Seller offering $10K flooring allowance***

Getting Around

37
WalkingCar-Dependent
0
TransitVery Limited Transit
50
BikeBikeable

Schools

9/10
Destin Middle SchoolGrades 5-81.2 mi
5/10
10/10
Destin Elementary SchoolGrades PK-44.7 mi

Construction

Condition

  • Property condition: Construction Complete
  • Year built: 2014

Materials

  • Foundation: Slab
  • Roof: Metal
  • Construction materials: Frame,Trim Wood,Siding CmntFbrHrdBrd

Type & Style

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

Interior

Appliances

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

Bedroom

  • Level: First
  • Area: 135.42
  • Dimensions: 11.1 x 12.2

Bedroom

  • Level: Second
  • Area: 152.32
  • Dimensions: 11.9 x 12.8

Bedroom

  • Level: Second
  • Area: 194.04
  • Dimensions: 15.4 x 12.6

Bedroom

  • Level: Second
  • Area: 168.75
  • Dimensions: 13.5 x 12.5

Bedroom

  • Level: Second
  • Area: 216
  • Dimensions: 13.5 x 16

Bedroom

  • Level: Second
  • Area: 194.04
  • Dimensions: 15.4 x 12.6

Bedrooms & Bathrooms

  • Bedrooms: 7
  • Bathrooms: 6
  • Full bathrooms: 5
  • 1/2 bathrooms: 1

Features

  • Breakfast Bar,Owner's Closet,Pantry
  • Window features: Window Treatments,Hurricane Shutters
  • Flooring: Tile,Carpet
  • Common walls with other units/homes: No Common Walls

Great Room

  • Level: First
  • Area: 293.18
  • Dimensions: 13.7 x 21.4

Heating & Cooling

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

Interior Area

  • Total structure area: 2,820
  • Total interior livable area: 2,820 sqft

Kitchen

  • Level: First
  • Area: 286.884
  • Dimensions: 15.6 x 18.4

Master Bedroom

  • Level: First
  • Area: 176.89
  • Dimensions: 13.3 x 13.3

Property

Details

  • Parcel number: 002S22058000260100
  • Zoning description: Resid Single Family

Features

  • Stories: 2
  • Pool features: Heated,In Ground
  • Patio & porch: Covered,Porch
  • Exterior features: Outdoor Grill,Balcony,Private Yard

Lot

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

Parking

  • Total spaces: 6

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
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Tornado
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 $10,011$120,132
Home Insurance *$300$3,600
Property Taxes $1,751$21,012
Electricity $283$3,405
Total$12,345$148,140
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$423,257/yr
40% on housing$370,350/yr
45% on housing$329,200/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

$702This 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
2026-07-22Price change$1,979,999
2026-05-26Price change$2,079,000
2026-05-20Listed for sale$2,149,000
2026-04-20Pending sale$2,149,000
2026-03-16Price change$2,149,000
2026-02-10Listed for sale$2,199,000
2025-08-04Listing removed$2,250,000
2025-05-09Listed for sale$2,250,000
2025-04-07Listing removed$2,330,000
2025-02-25Listed for sale$2,330,000
2023-07-12Sold$1,950,000
2023-06-29Pending sale$1,999,999
2023-05-31Listed for sale$1,999,999
2020-10-14Sold$1,075,000
2020-09-11Listed for sale$1,099,000
2014-04-10Sold$207,500
2013-06-05Sold$140,000
2004-10-27Sold$495,000
2004-07-01Sold$330,000
2003-05-05Sold$102,000

For Sale by Agent

AgentAbbott Martin Group
BrokerageEXP Realty LLC

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