1044 Highway 98, Unit 405
Description
NEW PRICE ADJUSTMENT, LOWER INTEREST RATES, HOA fees reduced by 9.75% and Owner Financing for qualified buyers, don't miss this incredible opportunity! Your dream investment/vacation beachfront property could be closer than you think! Experience breathtaking views of the Gulf from this beautifully updated 4th-floor Beachfront condo in Emerald Towers in Destin FL. Overlooking the sugar-white sands and emerald waters, this turnkey unit offers the perfect blend of comfort, style, and convenience. Step...NEW PRICE ADJUSTMENT, LOWER INTEREST RATES, HOA fees reduced by 9.75% and Owner Financing for qualified buyers, don't miss this incredible opportunity! Your dream investment/vacation beachfront property could be closer than you think! Experience breathtaking views of the Gulf from this beautifully updated 4th-floor Beachfront condo in Emerald Towers in Destin FL. Overlooking the sugar-white sands and emerald waters, this turnkey unit offers the perfect blend of comfort, style, and convenience. Step inside to discover fresh upgrades throughout, including a brand-new HVAC system, professionally painted interiors and cabinetry and a fully renovated primary bath, The open-concept living area flows effortlessly into the private Gulf-front balcony upgraded with new sliding door assemblies in 2022. Watch the dolphins swim by from your covered balcony or the privacy and comfort of your living room
The beachfront balcony is ideal for morning coffee or sunset cocktails and is accessible from both the Living areas and primary bedroom. The well-appointed kitchen features quality Frigidaire and GE appliances in the kitchen area, a wet bar with built-in ice maker, a dedicated laundry closet with stacked LG washer and dryer for added convenience. and a utility closet. Wake up to ocean views in the spacious primary bedroom, complete with a king bed and balcony access. The recently renovated en-suite bathroom includes a walk-in shower, dual vanities and a built-in linen closet offering generous storage. The spacious guest bedroom has two closets and one can be used for the owners closet. Sold fully furnished and ready for immediate enjoyment or rental except for 4 items in documents. Recent Upgrades:
" New upgraded balcony sliding door with complete assemblies in Living room and Primary Bedroom.
" New Heating and Cooling system in June 2025
" New Paint July 2025
" New Wet Bar Ice Maker in July 2025
Emerald Towers amenities include:
" Gulf-front, seasonally heated pool
" Stainless gas grills at pool overlooking the ocean.
" Tennis/pickleball courts
" Fitness center with sauna and steam room and workout equipment.
" Gated community with direct beach access
A full exterior restoration of the building was completed in 2022, ensuring peace of mind and long-term value. Whether you're searching for a vacation retreat, investment property, or primary residence, this Gulf-front gem is a must-see. Owner Financing terms are 1% above prime. Contact Ken Frizzell 615-390-6932 for showings and more details.
The beachfront balcony is ideal for morning coffee or sunset cocktails and is accessible from both the Living areas and primary bedroom. The well-appointed kitchen features quality Frigidaire and GE appliances in the kitchen area, a wet bar with built-in ice maker, a dedicated laundry closet with stacked LG washer and dryer for added convenience. and a utility closet. Wake up to ocean views in the spacious primary bedroom, complete with a king bed and balcony access. The recently renovated en-suite bathroom includes a walk-in shower, dual vanities and a built-in linen closet offering generous storage. The spacious guest bedroom has two closets and one can be used for the owners closet. Sold fully furnished and ready for immediate enjoyment or rental except for 4 items in documents. Recent Upgrades:
" New upgraded balcony sliding door with complete assemblies in Living room and Primary Bedroom.
" New Heating and Cooling system in June 2025
" New Paint July 2025
" New Wet Bar Ice Maker in July 2025
Emerald Towers amenities include:
" Gulf-front, seasonally heated pool
" Stainless gas grills at pool overlooking the ocean.
" Tennis/pickleball courts
" Fitness center with sauna and steam room and workout equipment.
" Gated community with direct beach access
A full exterior restoration of the building was completed in 2022, ensuring peace of mind and long-term value. Whether you're searching for a vacation retreat, investment property, or primary residence, this Gulf-front gem is a must-see. Owner Financing terms are 1% above prime. Contact Ken Frizzell 615-390-6932 for showings and more details.
- Listed by Kenneth L Frizzell • Brokerage DRE #1012107 • Keller Williams Realty DestinP: (615)-390-6932 C: (615)-390-6932 kenfrizzell@kw.com
Property Details for 1044 Highway 98, Unit 405
Waterfront Features
Unit Waterfront, Gulf, Shore - Beach, Shore - Natural
ViewGulf
Architectural StyleN/A
Subdivision NameEMERALD TOWERS UNIT 405
Waterfront YNYes
LISTING UPDATED: 02/16/2026 03:13 PM
Property Details for 1044 Highway 98, Unit 405
| Status | Active |
|---|---|
| MLS # | 980259 |
| Days on Market | 231 |
| Taxes | $6,600 / year |
| HOA Fees | $2,489 / quarter |
| Condo/Co-op Fees | - |
| Compass Type | Condo |
| MLS Type | Residential / Condominium |
| Year Built | 1983 |
| County | Okaloosa County |
Location
Listing Courtesy of Keller Williams Realty Destin
Add your commute
Building Information for 1044 Highway 98, Unit 405
Building/Complex1044 Highway 98Floor4Stories15Residences83Pet Policy-Pet Policy Details-Year Built1983
Payment Calculator
$5,108 per month
30 year fixed, 6.15% Interest
Principal and Interest
$3,728
Property Taxes
$550
HOA Dues
$830
The Payment Calculator is for illustrative purposes only.
Property Information for 1044 Highway 98, Unit 405
Summary
Location and General Information
- Community Features: Short Term Rental - Allowed, Pickle Ball, BBQ Pit/Grill, Beach, Dumpster, Elevators, Exercise Room, Fishing, Gated Community, Handicap Provisions, Pets Allowed, Pool, Sauna/Steam Room, Tennis, TV Cable, Waterfront
- Directions: From FL-293 (Bay Bridge & Destin Commons, travel west on US 98 W 2.6 miles to Emerald Towers on the left, just past Airport Road and Silber Beach towers. Fom McGuire's Irish Pub at the Destin Bridge and Harborwalk, travel east on Hwy 98 E 3 miles to Emerald Towers on the right, just past Sundestin
- MLS Area Minor: 1401 - Destin Beach West
- MLS Area Major: 14 - Destin
- Latitude: 30.38451
- Longitude: -86.467769
- Location Tax and Legal:Sub Area: 1401 - Destin Beach West
- Location Tax and Legal:Elementary School: Destin
- Location Tax and Legal:Middle School: Destin
- Location Tax and Legal:High School: Destin
- Location Tax and Legal:Legal Description: From Okaloosa County Tax Records: The legal description for Emerald Towers in Destin, FL, is: Lot 1, Block A, Destin Beach, according to the plat thereof, recorded in Plat Book 2, Page 27, in the public records of Okaloosa County, Florida, according to Destin Property Expert. It is located at 1044 US Highway 98 East. The complex is a 15-story building with 83 units.
- Project Facilities: BBQ PitGrill2, Beach, Dumpster, Elevators, Exercise Room, Fishing, Gated Community, Handicap Provisions2, Pets Allowed2, Pickle Ball, Pool2, SaunaSteam Room, Short Term Rental - Allowed, Tennis, TV Cable3, Waterfront
- General Property Info Beach Frontage: 200.0
- Garage 2: false
Taxes and HOA
- Association Fee Frequency: Quarterly
- Association Fee Includes: Accounting, Ground Keeping, Internet Service, Legal, Management, Master Association, Recreational Faclty, Repairs/Maintenance, Security, Sewer, Water, Cable TV, Trash
- Association Fee2: $2,489
- Tax Legal Description: From Okaloosa County Tax Records: The legal description for Emerald Towers in Destin, FL, is: Lot 1, Block A, Destin Beach, according to the plat thereof, recorded in Plat Book 2, Page 27, in the public records of Okaloosa County, Florida, according to Destin Property Expert. It is located at 1044 US Highway 98 East. The complex is a 15-story building with 83 units.
- Parcel Number: 00-2S-22-1011-0000-0405
- Association Fee: $0
- Association YN: Yes
- Tax Annual Amount: $6,600
- Listing Info Tax Legal:Last Taxes: $6,600
- Listing Info Tax Legal:Last Tax Year: 2024.0
School Information
- Elementary School: Destin
- Middle Or Junior School: Destin
- High School: Destin
Parking
- Carport YN: No
- Covered Spaces: 0.0
- Carport Spaces: 0.0
- Garage Spaces: 0.0
- General Property Info:Carport Spaces: 0.0
- General Property Info:Covered Spaces: 0.0
- General Property Info:Driveway Spaces: 120.0
- General Property Info:Street Spaces: 0.0
- General Property Info:Assigned Spaces: 0.0
Property
Lot Information
- Building Area Source: Condo Docs
- Lot Size Units: Acres
- Property Condition: Renovated, Construction Complete
- Building Area Total: 1126.0
- General Property Info:SqFt Source: Condo Docs
- Waterfront: Gulf, Shore - Beach, Shore - Natural, Unit Waterfront
- Waterview: Gulf2
Property and Assessments
- Tax Year: 2024.0
- Floor Plans Count: 1.0
- Property Type: Residential, Condo
- Year Built: 1983.0
- Property Sub Type: Condominium
- New Construction YN: No
- General Property Info:Sub-Type: Condominium
- General Property Info:Design: N/A
- General Property Info:Pre-Const Flip: false
- Listing Info Tax Legal:Homestead: true
- Construction Status: Construction Complete
- Construction Siding: Concrete, Foundation Off Grade, Roof Concrete, Roof Flat, Roof Membrane, Roof Metal, Roof Pitched, Siding EIFS, Slab, Steel, Stucco, Trim Aluminum
- Occupancy Status: Vacant
Green Features
- Green Energy Efficient: Doors
Utilities
- Sewer: True
- Utilities: Community Water, Electric, Public Water, TV Cable
- Electric: True
- Utilities: Community Sewer, Community Water, Electric, Public Sewer, Public Water, TV Cable
- Energy: AC - Central Elect, Ceiling Fans, Heat Cntrl Electric, Heat Pump Air To Air, Insulated Doors, Insulated Floors, Storm Doors, Storm Windows, Tinted Windows, Water Heater - Elect
Interior and Exterior Features
Exterior Features
- Exterior Features: Balcony, BBQ Pit/Grill, Pool - Enclosed, Sauna/Steam, Shower, Sprinkler System, Tennis Court
- Construction Materials: Concrete, Foundation Off Grade, Roof Pitched, Siding EIFS, Steel, Stucco, Trim Aluminum
- Foundation Details: Slab
- Security Features: Fire Alarm/Sprinkler
- Pool Features: Pool - Heated, Pool - In-Ground, Pool Type
- Patio And Porch Features: Deck Open, Patio Open
- Fencing: Fenced Lot-All, Fenced Privacy
- Stories Total: 15.0
- General Property Info:Stories In Unit: 1.0
- General Property Info:# of Units in Bldg: 83.0
- General Property Info:Stories in Building: 15.0
- General Property Info:Unit Floors Above Ground: 4.0
- General Property Info:Pool: Yes
- General Property Info:Pool Type: Private
- Exterior: Balcony, BBQ PitGrill, Deck Open, Fenced Lot-All, Fenced Privacy, Patio Open, Pool - Enclosed, Pool - Heated, Pool - In-Ground, Renovated, SaunaSteam, Shower, Sprinkler System, Tennis Court
Interior Features
- Heating: Heat Pump Air To Air, Central
- Cooling: Ceiling Fans, Central Air
- Interior Features: Ceiling Crwn Molding, Elevator, Lighting Recessed, Lighting Track, Newly Painted, Owner's Closet, Pantry, Shelving, Walls Mirrored, Washer/Dryer Hookup, Wet Bar, Woodwork Painted
- Flooring: Floor Tile, Floor WW Carpet New
- Window Features: Window Treatmnt Some, Storm Windows, Tinted Windows
- Door Features: Storm Door(s)
- Room Type: Foyer, Kitchen, Dining Area, Living Room, Balcony, Master Bedroom, Master Bathroom, Bedroom, Full Bathroom, Other
- Rooms Total: 10.0
- Bathrooms Total Integer: 2.0
- Bathrooms Total Decimal: 2.0
- Bathrooms Total Notational: 2.0
- Cooling YN: Yes
- Heating YN: Yes
- Bedrooms Total: 2.0
- Bathrooms Full: 2.0
- Interior: Ceiling Crwn Molding, Elevator, Floor Tile, Floor WW Carpet New, Furnished - All, Lighting Recessed, Lighting Track, Newly Painted, Owner's Closet, Pantry, Renovated2, Shelving, Walls Mirrored, WasherDryer Hookup, Wet Bar, Window Treatmnt Some, Woodwork Painted
- Appliances: Cooktop, Dishwasher, Disposal, Dryer, Fire AlarmSprinkler, Ice Machine, Microwave, Range Hood, Refrigerator, Refrigerator WIceMk, Smoke Detector, Smooth Stovetop Rnge, StoveOven Electric, Washer
Room Information
Room 1
- Room Type: Foyer
- Room Level: First
- Room Length: 13.0
- Room Width: 310.0
- Room Dimensions: 13 x 310
Room 2
- Room Type: Kitchen
- Room Level: First
- Room Length: 115.0
- Room Width: 1011.0
- Room Dimensions: 115 x 1,011
Room 3
- Room Type: Dining Area
- Room Level: First
- Room Length: 1410.0
- Room Width: 74.0
- Room Dimensions: 1,410 x 74
Room 4
- Room Type: Living Room
- Room Level: First
- Room Length: 1410.0
- Room Width: 140.0
- Room Dimensions: 1,410 x 140
Room 5
- Room Type: Balcony
- Room Level: First
- Room Length: 1410.0
- Room Width: 80.0
- Room Dimensions: 1,410 x 80
Room 6
- Room Type: Master Bedroom
- Room Level: First
- Room Length: 156.0
- Room Width: 124.0
- Room Dimensions: 156 x 124
Room 7
- Room Type: Master Bathroom
- Room Level: First
- Room Length: 1111.0
- Room Dimensions: 1,111 x 124
Room 8
- Room Type: Bedroom
- Room Level: First
- Room Length: 126.0
- Room Width: 124.0
- Room Dimensions: 126 x 124
Room 9
- Room Type: Full Bathroom
- Room Level: First
- Room Length: 84.0
- Room Width: 73.0
- Room Dimensions: 84 x 73
Room 10
- Room Type: Other
- Room Level: First
- Room Length: 54.0
- Room Width: 37.0
- Room Dimensions: 54 x 37
Multi Family
Multi Family Information
- Number Of Units In Community: 83.0
- Furnished: Furnished - All
Rental
Rent Information
- General Property Info:Immediate Occupancy: true
- Listing Info Tax Legal:Is Subject Leased: false
Property History for 1044 Highway 98, Unit 405
| Date | Event & Source | Price | Appreciation |
|---|---|---|---|
| Feb 16, 2026 | Listed (Active) ECAR #980259 | — | |
| Feb 16, 2026 | Expired ECAR #980259 | $765,000 | — |
| Feb 16, 2026 | Price Change ECAR #980259 | $825,000 | — |
| Feb 12, 2026 | Price Change ECAR #980259 | $765,000 | — |
| Oct 30, 2025 | Price Change ECAR #980259 | $780,000 | — |
| Sep 24, 2025 | Expired ECAR #971935 | $789,900 | — |
| Jul 25, 2025 | Price Change ECAR #980259 | $795,000 | — |
| Jul 5, 2025 | Price Change ECAR #980259 | $780,000 | — |
| Jul 5, 2025 | Listed (Active) ECAR #980259 | $825,000 | — |
| Jun 16, 2025 | Withdrawn ECAR #971935 | $789,900 | — |
| Mar 23, 2025 | Listed (Active) ECAR #971935 | $789,900 | — |
| Date | Event & Source | Price |
|---|---|---|
| 02/16/2026 | Listed (Active) ECAR #980259 | — |
| 02/16/2026 | Expired ECAR #980259 | $765,000 |
| 02/16/2026 | Price Change ECAR #980259 | $825,000 |
| 02/12/2026 | Price Change ECAR #980259 | $765,000 |
| 10/30/2025 | Price Change ECAR #980259 | $780,000 |
| 09/24/2025 | Expired ECAR #971935 | $789,900 |
| 07/25/2025 | Price Change ECAR #980259 | $795,000 |
| 07/05/2025 | Price Change ECAR #980259 | $780,000 |
| 07/05/2025 | Listed (Active) ECAR #980259 | $825,000 |
| 06/16/2025 | Withdrawn ECAR #971935 | $789,900 |
| 03/23/2025 | Listed (Active) ECAR #971935 | $789,900 |
For completeness, Compass often displays two records for one sale: the MLS record and the public record.
Public Records for 1044 Highway 98, Unit 405
Taxable ValueLand-Additions$654,000Total-
Tax Record2025$7,209 ($601 / month)
Home Facts
Beds2Total Finished SqFt1,126 SqFtAbove Grade Finished SqFt1,126 SqFtLot Size181,387 SqFtStyleCondominiumYear Built1983CountyOKALOOSAAPN00-2S-22-1011-0000-0405
Schools near 1044 Highway 98, Unit 405
This home is within Okaloosa County School District.
Rating | School | Type | Grades | Distance |
|---|---|---|---|---|
| Public - | PK to 4 | |||
| Public - | 5 to 8 | |||
| Public - | 9 to 12 | |||
| Charter - | 9 to 12 |
Rating | School | Distance |
|---|---|---|
Destin Elementary School PublicPK to 4 | ||
Destin Middle School Public5 to 8 | ||
Fort Walton Beach High School Public9 to 12 | ||
Destin High School Charter9 to 12 |
School ratings and boundaries are provided by GreatSchools.org and Pitney Bowes. This information should only be used as a reference. Proximity or boundaries shown here are not a guarantee of enrollment. Please reach out to schools directly to verify all information and enrollment eligibility.
Similar Homes
Similar Sold Homes
Explore Nearby Homes
- Sterling Shores Homes for Sale
- Destin Harbor Homes for Sale
- Destiny by the Sea Homes for Sale
- Destiny East Homes for Sale
- Downtown Destin Homes for Sale
- Dunes of Destin Homes for Sale
- Emerald Bay Homes for Sale
- Gulf Terrace Homes for Sale
- Holiday Isle Homes for Sale
- Indian Bayou Homes for Sale
- Indian Lake Homes for Sale
- Kell-Aire Gardens Homes for Sale
- Kelly Plantation Homes for Sale
- Shoreline Towers Homes for Sale
- Shoreline Towers West Homes for Sale
- Miramar Beach Homes for Sale
- Destin Homes for Sale
- Valparaiso Homes for Sale
- Eglin AFB Homes for Sale
- Fort Walton Beach Homes for Sale
- Niceville Homes for Sale
- Shalimar Homes for Sale
- Mary Esther Homes for Sale
- Santa Rosa Beach Homes for Sale
- Hurlburt Field Homes for Sale
- Freeport Homes for Sale
- Navarre Homes for Sale
- Watersound Homes for Sale
- Crestview Homes for Sale
- Seacrest Homes for Sale
- 32550 Homes for Sale
- 32548 Homes for Sale
- 32578 Homes for Sale
- 32542 Homes for Sale
- 32579 Homes for Sale
- 32459 Homes for Sale
- 32580 Homes for Sale
- 32547 Homes for Sale
- 32439 Homes for Sale
- 32569 Homes for Sale
- 32544 Homes for Sale
- 32435 Homes for Sale
- 32536 Homes for Sale
- 32564 Homes for Sale
- 32455 Homes for Sale
No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of descriptions or measurements (including square footage measurements and property condition), such should be independently verified, and Compass, Inc., its subsidiaries, affiliates and their agents and associated third parties expressly disclaims any liability in connection therewith. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions. Offers of compensation are subject to change at the discretion of the seller. No financial or legal advice provided. Equal Housing Opportunity. Subject to change at any time. Compass makes no guarantee, warranty or representation regarding the accuracy of any waterfront feature, water view or waterfront view.
Listing Courtesy of Keller Williams Realty Destin
The data relating to real estate for sale/lease on this web site come in part from a cooperative data exchange program of the Emerald Coast Association of REALTORS, Central Panhandle Association of REALTORS, Pensacola Association of REALTORS and Capital Area Technology & REALTOR Services. The properties displayed may not be all of the properties in the MLS's database, or all of the properties listed with Brokers participating in the cooperative data exchange program. Information deemed reliable but not guaranteed. Copyright© 2026 Emerald Coast Association of REALTORS, Central Panhandle Association of REALTORS, Pensacola Association of REALTORS and Capital Area Technology & REALTOR Services. All Rights Reserved.