1040 E Highway 98 #1004, Destin, FL 32541
Sources: Emerald Coast MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 5, 2026, 1040 E Highway 98 #1004 in Sundestin, Destin is listed at $474,900. That sits within a few percent of Sundestin's median closed sale of $450,000 over the last 12 months (4 recorded sales). It has been 20 days on market, longer than the community's typical 8 days to contract. Listing facts: built in 1984, waterfront. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 1984 · 42 yrs
- 20 days on market
About this home
DIRECT GULF VIEWS FROM THE 10TH FLOOR! Welcome to SunDestin 1004, a beautifully updated 1-bedroom, 1.5-bath Gulf-front condo offering sweeping views of Destin's emerald waters & sugar-white sands. Located within one of Destin's most popular vacation resorts, this inviting condo combines a desirable Gulf-front setting with a highly sought-after resort environment, making it a fantastic vacation rental investment.
A mirrored wall in the living room reflects the stunning Gulf views while creating an open, spacious feel, and tile floors flow throughout the common areas. The beautifully updated kitchen features timeless white shaker cabinetry, tile backsplash, granite countertops, and stainless steel appliances. The thoughtfully designed floor plan offers excellent flexibility for both personal use & vacation rentals.
The bedroom features an ensuite half bath that also connects to the full bathroom, allowing the bedroom to be locked off for added privacy while still providing convenient bathroom access for guests. A sleeper sofa in the living room brings the sleeping capacity to 4. Step onto the private balcony to take in the expansive Gulf views & enjoy the beauty of the Emerald Coast from your own beachfront retreat.
One of SunDestin's most compelling ownership advantages is its exceptionally inclusive association fee, which covers ALL utilities, including electricity, a rare benefit for a Gulf-front vacation rental & one that can help simplify ownership & operating expenses. SunDestin also offers an impressive collection of onsite amenities designed to provide guests with everything they need in one convenient location, including a 24/7 front desk with concierge service, a Gulf-front outdoor pool, a seasonally heated indoor pool (renovation scheduled for completion in 2027), hot tub, sauna, steam room, fitness center, conference room, on-site restaurant, gift shop, and seasonal beach chair & umbrella service. Guests can even enjoy food & drinks served beachside from the on-site restaurant, adding another layer of convenience to the quintessential Gulf-front experience.
With so many conveniences & activities available on site, SunDestin functions as a true one-stop beach resort, helping create the kind of memorable guest experience that encourages loyal repeat visitors & supports strong occupancy season after season. Unit 1004 also offers added peace of mind with the building restoration complete, the assessment paid in full, and no pending assessments. Centrally located in Destin, SunDestin places you just minutes from Big Kahuna's, The Track, HarborWalk Village, Destin Commons, and countless restaurants, shopping destinations, and water activities.
Whether purchased as a vacation rental investment, personal beach retreat, or both, SunDestin 1004 offers an exceptional opportunity to own a beautifully updated Gulf-front condo with spectacular views, outstanding resort amenities, and the convenience of being in the heart of Destin.
All 27 photos
Description provided by EXP Realty LLC and reproduced from the MLS; not independently verified.
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $2,599/mo 78%
- Taxes $456/mo 14%
- Insurance $258/mo 8%
$3,313/mo at 20% down, 30-yr @ 7.28% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Certified tax roll · county-average rateProperty taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
The current owner’s taxable value is below today’s asking price; after a sale the assessment is set from market value, so the estimated bill is higher. Exemptions and portability can reduce it.
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Estimate my property taxes →Adjust for your exemptions, portability, and down payment
Sources: Florida DOR certified tax roll (2025), Emerald Coast AR; millage: Florida TaxWatch 2025 How Florida Counties Compare (county-average millage); school portion estimated at ~42% of total, capped at 6.50 mills. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Okaloosa County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Natural hazard risk
FEMA National Risk Index for Okaloosa County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
This home’s history
- 1984BuiltPer public record
- About Sep 2026Listed (per MLS)MLS reports 20 cumulative days on market as of October 5, 2026
- Sep 13, 2026First seen on movewithmomentum.comObserved at $489,000
- Sep 29, 2026Price cut$474,900 (-$14,100, -2.9%)
- NowUnder contractCurrently pending
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Price & listing history
Building permits
Comparable recent sales
No closed sales of a similar home within about 10 miles in Okaloosa County in the last 18 months are in our MLS data set, so this page shows no comparable-sales median or automated estimate for Sundestin. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
Momentum Property Score
58/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Coverage: 3 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟢 Buyer-leaning conditions around this listing. 12.0 months of supply in the surrounding market and 20 days on market for this home, against a 8-day area median.Days on market:this home 20Area median: 8 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate. As of September 20, 2026.
Recent SUNDESTIN sales closed near 91.7% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Emerald Coast MLS records, community-level, 12 months ending September 20, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 4 active listings in SUNDESTIN, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 5, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by EXP Realty LLC · MLS # 1011883
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Similar homes for sale near Sundestin
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Newest listings in Sundestin
- 1040 E Highway 98 #Unit 310 · $480,000 · 1 bd / 1.5 ba · listed September 25, 2026 (courtesy of Keller Williams Realty Destin)
- 1040 Hwy 98 #308 · $495,000 · 1 bd / 1.5 ba · listed September 9, 2026 (courtesy of Scenic Real Estate)
Just listed: new homes for sale in the Emerald Coast in the last 48 hours · updated hourly · RSS · The Emerald Coast market today: new listings, price cuts, pendings
More on Sundestin
Go deeper on Sundestin
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Assigned schools
Schools currently assigned to this address in Okaloosa County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Buyer research checklist
Items worth confirming for 1040 E Highway 98 #1004, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1984 (42 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- Condominium: request the association's budget, reserves, the most recent milestone or structural inspection report, and two years of meeting minutes before relying on the dues.
- Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
- Get a homeowners insurance quote for this specific address in Okaloosa County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
- Confirm square footage and room dimensions independently.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $5,475/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $825 more per year than the current owner’s estimated bill (+18%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Data sources & freshness
| Listing record | Emerald Coast MLS, refreshed hourly (last: October 5, 2026) |
| Comparable sales | Fewer than 3 defensible closed sales within about 10 miles in Okaloosa County — no medians or automated estimate shown |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| Taxes & monthly cost | Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of Emerald Coast MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 1040 E Highway 98 #1004 and when was it built?
Per the listing record, 1040 E Highway 98 #1004 was built in 1984 and has 1 bedrooms and 1.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 1040 E Highway 98 #1004 in?
1040 E Highway 98 #1004 is in Sundestin in Destin, Okaloosa County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
Why might property taxes on 1040 E Highway 98 #1004 differ from the current owner's?
The estimate on this page (about $5,475 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $825 more per year than the current owner’s estimated bill (+18%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 1040 E Highway 98 #1004 in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
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Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Emerald Coast Association of REALTORS® Internet Data Exchange. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: Emerald Coast Association of REALTORS®. © 2026 Emerald Coast Association of REALTORS®, Inc. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.