Listing data updated September 12, 2026 · refreshed twice daily
2Bedrooms
2Bathrooms
2001Year Built
No CDDFEMA Zone X
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
Buyer leverage
Buyer advantage
39 days on market
16.8 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~15 ft elevation
$2k–$6k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of September 12, 2026, 1751 Scenic Highway 98 #407 in Sterling Shores, Destin is listed at $690,000. That is 21% above Sterling Shores's median closed sale of $568,000 over the last 12 months (10 recorded sales). It has been 39 days on market, well inside the community's typical 119 days. Listing facts: built in 2001. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2001 · 25 yrs
39 days on market
HOA ~$50/mo (estimate; confirm)
Momentum Research · STERLING SHORES
Pricing & the STERLING SHORES market
How this home is priced against recent nearby sales, and where STERLING SHORES 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, 2013–2026. Now 21 (cold).
Property timeline
This home’s history
2001BuiltPer public record
Aug 7, 2026First trackedObserved at $690,000
NowActiveCurrently for sale
Build year is from public record. Listing 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.
Financing
Estimated monthly payment
$4,540/mo
Principal & interest $3,584/mo79%
Taxes $604/mo13%
Insurance $302/mo7%
HOA $50/mo1%
$4,540/mo at 20% down, 30-yr @ 6.76% · edit any field to update.
Estimated from today’s asking price and current Okaloosa County tax rates.
⚠️
Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Current owner pays $7,375/yr ($615/mo)
+$875 more each year
(+12%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$69,001
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
Sources: Florida DOR certified tax roll (2025), Emerald Coast AR. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Momentum Scores
Momentum Property Score
60/100
Strongest on: Flood safety (95), Pricing power (88)
0 limited50100 exceptional
60/100 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.
Affordability14
List price $690,000 vs the community median $568,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~15 ft elevation. Verify the parcel with FEMA.
Insurance cost70
From FEMA Zone X and a 2001 build. Obtain a property-specific quote.
Market liquidity15
Community median 120 days on market, ~16.8 months of supply (12-month record).
Pricing power88
Recent sales closed at about 90.5% of original asking (~9.5% below). More room below asking generally favors buyers.
Market timing79
Momentum Market Heat is 21/100 (cold). Cooler readings generally favor buyers; hotter readings favor sellers.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟢 Buyer-leaning conditions around this listing. 16.8 months of supply in the surrounding market and 39 days on market for this home, against a 120-day area median.Days on market:this home 39Area median: 120 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 12, 2026.
Recent STERLING SHORES sales closed near 90.5% 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 12, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 14 active listings in STERLING SHORES, no CDD assessment.
Updated September 12, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Completely reimagined with sophisticated coastal style and exceptional attention to detail, this beautifully remodeled residence offers an elevated beachside lifestyle within one of Destin's premier resort communities. Showcasing sweeping gulf views, an extraordinary oversized balcony and an enviable location overlooking the resort's spectacular pools, this turnkey condominium is equally suited as a luxurious personal retreat or a high-performing vacation rental. Designed for effortless living and entertaining, the open-concept floor plan encompasses two bedrooms, two bathrooms and inviting living spaces filled with natural light.
The spacious living room opens directly onto the expansive balcony, allowing the gulf views and coastal breezes to become part of everyday life. Elegant finishes, updated flooring and refined coastal interiors create a timeless atmosphere throughout. The beautifully renovated kitchen combines style and function with stone countertops, stainless steel appliances, exquisite new cabinetry, generous preparation space and a breakfast bar ideal for casual meals or entertaining.
The adjacent dining area provides ample room for gathering after a day at the beach. Privately positioned, the primary suite offers direct balcony access, breathtaking gulf views, a spacious walk-in closet and a beautifully updated ensuite featuring double vanities, stone countertops and a large walk-in shower. The guest bedroom is equally inviting, while a sleeper sofa in the living area allows the residence to comfortably accommodate up to six guests.
A full-sized washer and dryer provide additional convenience for owners and visitors alike. One of the home's most remarkable features is the oversized balcony. Furnished with bar-height Polywood seating and Adirondack rockers, it offers an exceptional outdoor living space for morning coffee, dolphin watching, afternoon relaxation or unforgettable sunset evenings overlooking the gulf, lagoon pool and tropical grounds.
Residents and guests enjoy an impressive collection of resort amenities including a spectacular 4,300-sq.-ft. lagoon-style pool surrounded by lush tropical landscaping, a private gulf-front beach club with a seasonally heated pool, seasonal food and beverage service, private beach access, a 24-hour fitness center, BBQ grilling areas and beautifully maintained gated grounds. Seasonal beach service is available and includes two chairs and an umbrella, further enhancing the coastal experience.
As a bonus, this incredible property includes a secured, climate-controlled 46" x 70" ground-floor storage space. Ideally located in the heart of Destin, Sterling Shores places owners just a short walk from The Back Porch and only minutes from Destin Commons, the Harbor Boardwalk, Big Kahuna's Water & Adventure Park, The Track and an outstanding collection of shopping, dining and entertainment. World-famous white sand beaches, championship golf, boating, fishing charters and endless opportunities for waterfront recreation make this one of the Emerald Coast's most desirable destinations for both homeowners and vacationers alike.
Description provided by Scenic Sotheby's International Realty and reproduced from the MLS; not independently verified.
Property facts & sources
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
List price$690,000
Bed / bath2 / 2
Year built2001
Property typeCondominium
MLS #1009180
Listing status39 days on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~15 ft
Windstorm exposureLow
CountyOkaloosa
Area listings14 active · 1 under contract
Estimated first-year tax~$7,245/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Estimated monthly payment$4,540
Insurance (illustrative)$2k–$6k/yr
Comparable-sales median$568,000
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
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.
Listed for $690,000Momentum Realty · on market 39 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$7,245/yr
A rough first-year estimate only, applying a typical Okaloosa rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$2k–$6k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
$50/mo
Covers the master association & common areas. Confirm exact dues and what they include.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~15 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
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Listed by Scenic Sotheby's International Realty · MLS # 1009180
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Market data · public records
Recent sales activity in Sterling Shores
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the Sterling Shores neighborhood guide for more.
Comparable sales found
0
Recent nearby closings in the data set.
Community median sale price
$568,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$0
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Sterling Shores
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.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jul 2026 · Infrastructure
Scenic Walton advances underground utilities and gateway landscape projects
Scenic Walton reported progress on countywide initiatives, including a $200,000 Freeport U.S. 331 gateway landscape project supported by a $100,000 FDOT Highway Beautification Grant, plus a 30A West gateway landscape project and early planning for countywide underground utilities. Funding for the utilities study advanced into Walton County's draft budget for fiscal year 2026 to 2027.
Why it matters: Advances roadway beautification and stormwater improvements along the Freeport U.S. 331 corridor and the 30A west gateway and lays groundwork for utility resilience upgrades across Walton County. The site is about 11 miles northeast of Sterling Shores.
DeSantis signs state budget with funding for Okaloosa County projects
Governor DeSantis signed the state budget that included roughly $15 million for 20 Okaloosa County projects, among them $5 million for the Northwest Florida State College Workforce Innovation Center in Niceville, $1.5 million for Shalimar Bridge Park, and $3 million for Destin road and drainage work. About $7.26 million in other local requests were vetoed.
Why it matters: Directs state funding toward workforce, park, road, and drainage infrastructure across Okaloosa County, supporting public facilities and capacity in Niceville, Shalimar, and Destin. The site is about 16 miles northwest of Sterling Shores.
Okaloosa County opens $212M Southwest Crestview Bypass
Okaloosa County opened the $212 million Southwest Crestview Bypass, a 3.5 mile four lane corridor connecting Antioch Road to State Road 85 with access from U.S. Highway 90. The project includes a 1,713 foot bridge, sidewalks, a multi use path, and direct access to the new Pineview K-8 school opening in August 2026.
Why it matters: Adds a major four lane traffic corridor serving southwest Crestview and expands regional road capacity for surrounding growth in north Okaloosa County. The project is about 29 miles northwest of Sterling Shores, elsewhere in Okaloosa County.
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.
GRADEA
DestinAssigned elementary school · Okaloosa County School District · Grade A (Florida DOE 2025-26)
DestinAssigned middle school · Okaloosa County School District
GRADEB
Fort Walton BeachAssigned high school · Okaloosa County School District · Grade B (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
No closely comparable recent sales were found in this data set.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$3,162 – $4,600/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.4%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$1,470 – −$176At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 1751 Scenic Highway 98 #407, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2001 (25 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 X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
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.
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 $7,245/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
City
Destin
Groceries, dining, and parks for this city — see the city guide.
Emerald Coast MLS, refreshed twice daily (last: September 12, 2026)
Community market stats
Emerald Coast MLS closed sales, as of September 12, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Estimated from county rates; not a quote
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.
Answered before you ask
Frequently asked questions
How big is 1751 Scenic Highway 98 #407 and when was it built?
Per the listing record, 1751 Scenic Highway 98 #407 was built in 2001 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 1751 Scenic Highway 98 #407 in?
1751 Scenic Highway 98 #407 is in Sterling Shores in Destin, Okaloosa County. The community section on this page shows recent closed sales, days on market, and active inventory for Sterling Shores from the same MLS data.
Why might property taxes on 1751 Scenic Highway 98 #407 differ from the current owner's?
The estimate on this page (about $7,245 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 1751 Scenic Highway 98 #407 in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and 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.
Ready when you are
See 1751 Scenic Highway 98 #407 in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
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 a typical county millage rate to the list price 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.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
