1040 E Highway 98 #Unit 1018, Destin, FL 32541
Sources: Emerald Coast MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 1, 2026, 1040 E Highway 98 #UNIT 1018 in Sundestin International Condo, Destin is listed at $629,000. That is 157% above Sundestin International Condo's median closed sale of $244,800 over the last 12 months (23 recorded sales). It has been 139 days on market, longer than the community's typical 29 days to contract. Listing facts: built in 1984, waterfront. The parcel maps to FEMA flood zone AO, a special flood hazard area where lenders generally require flood insurance. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 1984 · 42 yrs
- 139 days on market
About this home
PRICE REDUCED!! Wake up to VIEWs of one of Destin's most beautiful coastlines. Step onto your private balcony and let the salt air and shimmering emerald waters remind you why you fell in love with the Emerald Coast.
Unit 1018 at Sundestin beach resort is a rare opportunity to own a direct beachfront retreat in one of Destin's most sought-after addresses -and it has never looked better. The Sundestin complex has recently undergone extensive, top-to-bottom improvements, including: all-new impact-rated windows and sliding glass doors throughout the entire complex, full exterior waterproofing and fresh exterior paint, renovated balconies and railings, improvements to the pool, decking, amenities and common areas. New windows and doors, steel framing in trash chute, replaced trash chute, new boardwalk, etc- your sanctuary is solid, safe, and stunning.
Best of all, the Sellers have paid the special assessments in FULL! -- meaning you step into ownership with the above deferred maintenance items taken care of. This unit delivers peace of mind and the best of Destin coastline views!
Perched on the 10th floor with sweeping, unobstructed west-facing sunset views, this beautifully appointed 2-bedroom, 2-bathroom condo is your front-row seat to Destin's legendary sunsets. Whether you're sipping coffee as dolphins glide past at sunrise or raising a glass as the sun melts into the horizon, every moment here feels like a postcard. Inside, the coastal inspired interior is as stylish as the views are stunning.
The mirrored subway tile backsplash catches the Gulf light and adds a modern yet sleek touch to the kitchen. The dining room is the perfect setting for family dinners around the new round dining table and chairs that gives off coastal elegance. With 1018 being an end unit, it has an extra floor to ceiling window that brings in bright natural light into the dining and living spaces.
A gorgeous light fixture sits above the dining table and provides the perfect ambiance for evening meals. Shiplap brings warmth and coastal charm to the living space, and custom curtains and blinds throughout offer privacy. With a freshly painted interior and offered fully furnished and decorated to include appliances and kitchen essentials, this vacation rental investment is to convey completely turn-key.
ALL utilities are covered with the HOA dues to INCLUDE: power, water/sewer, tv/cable and internet service, trash, master association: management/legal, insurance, accounting, ground keeping, recreational facility, beach service and on-site security. Sundestin offers direct beach access that includes beach service: umbrella and chairs for owners, resort-style amenities, pet-friendly, its own convenience shop for all your souvenirs, snacks and beach essentials, an on site restaurant downstairs, and a location in the heart of Destin's most beloved stretch of coastline, surrounded by the best of Destin's entertainment and attractions -Big Kahunas water park tp the west and and mini golf or go cart at The Track, to the east -Sundestin Unit 1018 has the complete package: location is everything, turn-key, worry-free, resort style amenities and views that are utterly breathtaking! Life is better on the Gulf.
This is your moment.
All 97 photos
Description provided by Realty ONE Group Emerald Coast 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 $3,358/mo 78%
- Taxes $623/mo 14%
- Insurance $341/mo 8%
$4,322/mo at 20% down, 30-yr @ 7.03% · 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.
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
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.
Pricing & the MORRIS ADDN TO CRESTVIEW market
How this home is priced against recent nearby sales, and where MORRIS ADDN TO CRESTVIEW has been over 25 years. Momentum Research analysis of Emerald Coast MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
Median sale price by year
12-month median closed price, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2015–2026. Now 58 (normal).
This home’s history
- 1984BuiltPer public record
- About May 2026Listed (per MLS)MLS reports 139 cumulative days on market as of October 1, 2026
- Aug 4, 2026First seen on movewithmomentum.comObserved at $649,000
- Sep 23, 2026Price cut$629,000 (-$20,000, -3.1%)
- NowActiveCurrently for sale
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 INTERNATIONAL CONDO. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
Momentum Property Score
39/100 is limited 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: 6 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
63% of homes in MORRIS ADDN TO CRESTVIEW are owner-occupied. An estimated 37% are non-owner-occupied, including 6% held in a company or trust and 7% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 1860 homes matched. Community-level context.
Recent MORRIS ADDN TO CRESTVIEW sales closed near 99.0% 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 716 active listings in MORRIS ADDN TO CRESTVIEW, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 1, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Realty ONE Group Emerald Coast · MLS # 1003181
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Similar homes for sale near SUNDESTIN INTERNATIONAL CONDO
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 INTERNATIONAL CONDO
- 909 Santa Rosa Boulevard #329 · $459,000 · 2 bd / 2.0 ba · listed October 1, 2026 (courtesy of Scenic Sotheby's International Realty)
- 11 NW Comet Street · $504,900 · 4 bd / 2.0 ba · listed October 1, 2026 (courtesy of Coldwell Banker Realty)
- 36 NW Oakdale Road · $525,000 · 3 bd / 2.0 ba · listed October 1, 2026 (courtesy of LPT Realty LLC)
- 1100 Lake Way Drive · $720,000 · 3 bd / 3.0 ba · listed September 30, 2026 (courtesy of Coldwell Banker Realty)
- 514 Gulf Shore Drive #Unit 102 · $999,000 · 2 bd / 2.0 ba · listed September 30, 2026 (courtesy of RE/MAX Gulf Coast Realty)
- 1050 E Highway 98 #901E · $1,900,000 · 4 bd / 3.0 ba · listed September 29, 2026 (courtesy of Compass)
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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 Okaloosa County
Explore Okaloosa County
Browse market data, schools, taxes, and homes for sale across the county.
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.
Groceries, dining, and parks for this city — see the city guide.
View →Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
Buyer research checklist
Items worth confirming for 1040 E Highway 98 #UNIT 1018, 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.
- FEMA flood zone AO: lenders generally require flood insurance here — get an elevation certificate and a flood quote before the inspection period ends.
- 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 $7,475/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,475 more per year than the current owner’s estimated bill (+25%). 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 1, 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 | FEMA flood maps + USGS elevation (Zone AO shown above) |
| 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 #UNIT 1018 and when was it built?
Per the listing record, 1040 E Highway 98 #UNIT 1018 was built in 1984 and has 2 bedrooms and 2.0 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 #UNIT 1018 in?
1040 E Highway 98 #UNIT 1018 is in Sundestin International Condo 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 #UNIT 1018 differ from the current owner's?
The estimate on this page (about $7,475 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,475 more per year than the current owner’s estimated bill (+25%). 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 #UNIT 1018 in a flood zone?
The FEMA flood map places this parcel in Zone AO, a special flood hazard area where lenders generally require flood insurance on a mortgaged purchase. Confirm the parcel's status with FEMA and your insurer, and ask for an elevation certificate.
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.