1044 E Highway 98 405
Destin, FL 32541
MLS# 980259
2 beds | 2 baths | 1126 sqft
Property DescriptionSPRING BREAK Price Adjustment! Interest Rates Under 6%! HOA fees reduced by 9.75%! Owner Financing* for qualified buyers! What more can you ask for!
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.
Watch the dolphins swim by from your covered balcony or the privacy and comfort of your living room and primary suite!
Step inside to discover fresh upgrades throughout, including a brand-new HVAC system, professionally painted interiors and cabinetry and a fully renovated primary bath.
Listing Board: Emerald Coast
List Price/SqFt: 665.63
List Date: 2025-07-04
Current Price: $749,500
Unit #: 405
Sub Area: 1401 - Destin Beach West
Elementary School: Destin
Middle School: Destin
High School: Destin
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.
Sub-Type: Condominium
Design: N/A
SqFt Source: Condo Docs
Balcony SqFt: 98.4
Stories In Unit: 1
# of Units in Bldg: 83
Stories in Building: 15
Unit Floors Above Ground: 4
Immediate Occupancy: Yes
Pre-Const Flip: No
Carport Spaces: 0
Covered Spaces: 0
Driveway Spaces: 120
Street Spaces: 0
Assigned Spaces: 0
Pool: Yes
Pool Type: Private
Apx SqFt(Htd/Cooled): 1126
Total Bathrooms: 2
Year Built: 1983
Homestead: Yes
Is Subject Leased: No
Assessment Fees: Yes
Assessment Amount: 2488.98
Annual Assessment Amount: 9955.92
Assessment Paid: Quarterly
New Buyer Fee: No
Last Taxes: 6600.12
Last Tax Year: 2024
Brokerage Interest: No Interest
Remarks: SPRING BREAK Price Adjustment! Interest Rates Under 6%! HOA fees reduced by 9.75%! Owner Financing* for qualified buyers! What more can you ask for!
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.
Watch the dolphins swim by from your covered balcony or the privacy and comfort of your living room and primary suite!
Step inside to discover fresh upgrades throughout, including a brand-new HVAC system, professionally painted interiors and cabinetry and a fully renovated primary bath.
Shore - Natural: 1
Unit Waterfront: 1
Exercise Room: 1
Fishing: 1
Gated Community: 1
Handicap Provisions: 1
Pets Allowed: 1
Pickle Ball: 1
Pool: 1
Sauna/Steam Room: 1
Short Term Rental - Allowed: 1
Tennis: 1
Concrete: 1
Foundation Off Grade: 1
Roof Concrete: 1
Roof Flat: 1
Roof Membrane: 1
Roof Metal: 1
Roof Pitched: 1
Siding EIFS: 1
Stucco: 1
Trim Aluminum: 1
Community Sewer: 1
Community Water: 1
Electric: 1
Public Sewer: 1
Public Water: 1
TV Cable: 1
Balcony: 1
BBQ Pit/Grill: 1
Deck Open: 1
Fenced Lot-All: 1
Fenced Privacy: 1
Patio Open: 1
Pool - Enclosed: 1
Pool - Heated: 1
Pool - In-Ground: 1
Renovated: 1
Sprinkler System: 1
Tennis Court: 1
Private/Owner: 1
Qualify Required: 1
Ceiling Crwn Molding: 1
Elevator: 1
Floor Tile: 1
Floor WW Carpet New: 1
Furnished - All: 1
Lighting Recessed: 1
Lighting Track: 1
Newly Painted: 1
Owner's Closet: 1
Pantry: 1
Walls Mirrored: 1
Washer/Dryer Hookup: 1
Wet Bar: 1
Window Treatmnt Some: 1
Fire Alarm/Sprinkler: 1
Ice Machine: 1
Microwave: 1
Range Hood: 1
Refrigerator: 1
Refrigerator W/IceMk: 1
Smoke Detector: 1
Smooth Stovetop Rnge: 1
Stove/Oven Electric: 1
Washer: 1
AC - Central Elect: 1
Ceiling Fans: 1
Heat Cntrl Electric: 1
Heat Pump Air To Air: 1
Insulated Doors: 1
Insulated Floors: 1
Storm Doors: 1
Storm Windows: 1
Tinted Windows: 1
Water Heater - Elect: 1
MBath Double Vanity: 1
MBath Separate Shwr: 1
MBath Shower Only: 1
MBath Tile: 1
MBed Balcony: 1
MBed Carpeted: 1
MBed First Floor: 1
MBed Sitting Area: 1
Full Bathroom: 1
Kitchen: 1
Living Room: 1
Master Bathroom: 1
Master Bedroom: 1
Other: 1
Accounting: 1
Ground Keeping: 1
Internet Service: 1
Legal: 1
Management: 1
Master Association: 1
Recreational Faclty: 1
Repairs/Maintenance: 1
Area: 14 - Destin
Street #: 1044
Street Direction: E
Street Name: Highway 98
County: Okaloosa
Project Name/Subdivision: EMERALD TOWERS UNIT 405
Parcel ID: 00-2S-22-1011-0000-0405
Sale Type: Accept Backup Offers
Construction Status: Construction Complete
Waterfront: Gulf; Shore - Beach; Shore - Natural; Unit Waterfront
Project Facilities: BBQ Pit/Grill; Beach; Dumpster; Elevators; Exercise Room; Fishing; Gated Community; Handicap Provisions; Pets Allowed; Pickle Ball; Pool; Sauna/Steam Room; Short Term Rental - Allowed; Tennis; TV Cable; Waterfront
Exterior: Balcony; BBQ Pit/Grill; Deck Open; Fenced Lot-All; Fenced Privacy; Patio Open; Pool - Enclosed; Pool - Heated; Pool - In-Ground; Renovated; Sauna/Steam; Shower; Sprinkler System; Tennis Court
Interior: Ceiling Crwn Molding; Elevator; Floor Tile; Floor WW Carpet New; Furnished - All; Lighting Recessed; Lighting Track; Newly Painted; Owner's Closet; Pantry; Renovated; Shelving; Walls Mirrored; Washer/Dryer Hookup; Wet Bar; Window Treatmnt Some; Woodwork Painted
Appliances: Cooktop; Dishwasher; Disposal; Dryer; Fire Alarm/Sprinkler; Ice Machine; Microwave; Range Hood; Refrigerator; Refrigerator W/IceMk; Smoke Detector; Smooth Stovetop Rnge; Stove/Oven Electric; Washer
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
Rooms: Balcony; Bedroom; Dining Area; Foyer; Full Bathroom; Kitchen; Living Room; Master Bathroom; Master Bedroom; Other
Assumable Mtg Typ: Private/Owner; Qualify Required
Financing: Conventional; FHA; Owner; VA
Fees Include: Accounting; Ground Keeping; Internet Service; Legal; Management; Master Association; Recreational Faclty; Repairs/Maintenance; Security; Trash; TV Cable; Water
The open-concept living area flows effortlessly into the private Gulf-front balcony upgraded with new sliding door assemblies in the living areas and primary bedroom in 2022.
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 2 dark wood tables and one dark wood chest in dining, 2 childrens artwork on guest area wall.
Recent Upgrades:
" New upgraded high impact balcony sliding door with complete assemblies in Living room and Primary Bedroom.
" New Heating and Cooling system in June 2025
" New Paint 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.
| Room Name | Level | Dimensions | Length | Width | Dimensions |
| Foyer | First | 13 x 310 | 13.00 | 310.00 | 13 x 310 |
| Kitchen | First | 115 x 1,011 | 115.00 | 1011.00 | 115 x 1,011 |
| Dining Area | First | 1,410 x 74 | 1410.00 | 74.00 | 1,410 x 74 |
| Living Room | First | 1,410 x 140 | 1410.00 | 140.00 | 1,410 x 140 |
| Balcony | First | 1,410 x 80 | 1410.00 | 80.00 | 1,410 x 80 |
| Master Bedroom | First | 156 x 124 | 156.00 | 124.00 | 156 x 124 |
| Master Bathroom | First | 1,111 x 124 | 1111.00 | 124.00 | 1,111 x 124 |
| Bedroom | First | 126 x 124 | 126.00 | 124.00 | 126 x 124 |
| Full Bathroom | First | 84 x 73 | 84.00 | 73.00 | 84 x 73 |
| Other | First | 54 x 37 | 54.00 | 37.00 | 54 x 37 |
Listing Office: Keller Williams Realty Destin
Last Updated: March - 20 - 2026
All information is believed to be accurate but is not guaranteed. Protected by Copyright© 2026 and is owned either by the Emerald Coast Association of REALTORS®, Inc or by the developers of the software, FBS, Inc. All rights reserved.