1900 Scenic Highway 98 #302, Destin, FL 32541
Sources: Emerald Coast MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 16, 2026, 1900 Scenic Highway 98 #302 in 1900 Ninety Eight, Destin is listed at $3,125,000. That is 1177% above 1900 Ninety Eight's median closed sale of $244,800 over the last 12 months (23 recorded sales). It came to market within the past week. Listing facts: built in 2017, waterfront. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 2017 · 9 yrs
- 1-car garage
- Active listing
About this home
Completely renovated and generating more than $160,000 annually in rental revenue, this exceptional Gulf-front residence offers a rare combination of proven rental performance, impressive space, and incredible views. The three-bedroom, three-bath floor plan is remarkably spacious, with a custom built-in bunk room providing additional sleeping capacity that has helped drive its strong rental performance. Ideally positioned next to Henderson Beach State Park, the residence offers the size and functionality larger groups want while maintaining the feel and finishes of a luxury Gulf-front retreat.
One of the biggest advantages of this residence is its ideal floor height and optimal positioning for spectacular sunset views. You are elevated enough to enjoy sweeping panoramic views of the emerald Gulf, white-sand beach, coastline, and unforgettable sunsets, while still feeling connected to the shoreline below. Rather than being so high that the view becomes almost entirely water, this elevation captures everything people come to Destin to experience: turquoise water, white sand, coastline stretching in both directions, and the activity of the beach.
It truly feels like you are at the beach rather than looking down from a cruise ship. Inside, the residence is remarkably spacious, with an open floor plan designed to comfortably accommodate larger families and groups without ever feeling crowded. Multiple windows fill the living areas with natural light, while oversized sliding...
doors open to a generous 12-foot-deep Gulf-front terrace with glass railings that keep the spectacular views completely unobstructed. The expansive terrace provides a front-row seat for those incredible Gulf sunsets, while deep-cushioned seating, elegant coastal finishes, and remote-controlled shades create a comfortable yet sophisticated setting from morning through evening. The gourmet kitchen is equally impressive, featuring custom cabinetry, premium Thermador appliances, quartz countertops, and an expansive bar with plenty of room for gathering and entertaining.
The thoughtful floor plan includes two luxurious primary suites, expansive windows, spa-inspired bathrooms, generous storage, and beautifully finished guest accommodations. The dedicated bunk room further separates this residence from a typical three-bedroom condo, providing additional sleeping space without sacrificing the bedrooms or main living areas. Additional features include a fully equipped laundry room, garage parking, gated security, and deeded beach access.
A climate-controlled elevator leads to the rooftop pool and spa, while owners and guests also enjoy a state-of-the-art fitness center. With only 16 residences and just two units per floor, the building provides a level of privacy and spaciousness rarely found in larger Gulf-front developments. Beautifully renovated, exceptionally spacious, proven as a high-performing vacation rental, and positioned at one of the building's most desirable elevations, this is a rare opportunity to own a true Gulf-front retreat where the beach, coastline, emerald water, and spectacular sunsets are all part of the view.
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All 51 photos
Description provided by Scenic Sotheby's International Realty 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 $17,309/mo 80%
- Taxes $3,304/mo 15%
- Insurance $1,017/mo 5%
$21,631/mo at 20% down, 30-yr @ 7.4% · 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.
What it really costs to own 1900 Scenic Highway 98 #302
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
| Property tax | The current owner's bill is about $29,650/yr (certified county roll, taxable value × millage). Buy at the asking price of $3,125,000 and the first-year bill resets to about $39,650/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 12.89 mills (county-average millage, estimate)); Save Our Homes caps later increases at 3%/yr. |
|---|---|
| Home and flood insurance | The average Citizens Property Insurance premium in Okaloosa County is $2,644/yr (1,101 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $8,500–$17,500/yr; neither is a quote. |
| Roof and age | Built in 2017. An original roof is about 9 years old: inside the 15-year window Florida carriers use, but ask for the roof's permit date before you bind coverage. |
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.
Pricing & the Okaloosa County market
How this home is priced against recent nearby sales, and where Okaloosa County 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
- 2017BuiltPer public record
- Oct 16, 2026First seen on movewithmomentum.comObserved at $3,125,000
- 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 1900 Ninety Eight. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
Momentum Property Score
41/100 is below average 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: 4 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 Okaloosa County 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 Okaloosa County 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 Okaloosa County, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 16, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Scenic Sotheby's International Realty · MLS # 1013884
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Similar homes for sale near 1900 Ninety Eight
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 1900 Ninety Eight
- 775 Gulf Shore Drive #8109 · $259,000 · 0 bd / 1.0 ba · listed October 16, 2026 (courtesy of Century 21 AllPoints Realty)
- 1000 Bay Drive #524 · $299,999 · 2 bd / 2.0 ba · listed October 16, 2026 (courtesy of EXP Realty LLC)
- 100 Castle Road · $364,900 · 4 bd / 2.0 ba · listed October 16, 2026 (courtesy of LPT Realty LLC)
- 17 Mary Esther Drive · $350,000 · 3 bd / 2.0 ba · listed October 16, 2026 (courtesy of Keller Williams Realty FWB)
- 1269 Jefferyscot Drive · $259,900 · 3 bd / 2.0 ba · listed October 16, 2026 (courtesy of Coldwell Banker Realty)
- 708 Majestic Prince Court · $365,000 · 5 bd / 2.0 ba · listed October 16, 2026 (courtesy of Bastion Realty LLC)
Recently off market in 1900 Ninety Eight
- 900 Gulf Shore Drive #2022 · last listed $635,000 · 2026-10-16
- 716 Bradford Drive · last listed $375,000 · 2026-10-16
- 660 Nautilus Court #1103 · last listed $573,000 · 2026-10-16
- 630 Bailey Drive · last listed $258,000 · 2026-10-16
- 5529 Rainbow Lane · last listed $244,900 · 2026-10-16
- 4507 Furling Lane #307 · last listed $330,000 · 2026-10-16
Every home on Scenic Highway 98: what is for sale, what sold and when, the homes and the communities along it.
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
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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 1900 Scenic Highway 98 #302, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2017: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
- 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 $39,650/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $10,000 more per year than the current owner’s estimated bill (+34%). 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, checked against the MLS hourly (last: October 16, 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 1900 Scenic Highway 98 #302 and when was it built?
Per the listing record, 1900 Scenic Highway 98 #302 was built in 2017 and has 3 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 1900 Scenic Highway 98 #302 in?
1900 Scenic Highway 98 #302 is in 1900 Ninety Eight 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 1900 Scenic Highway 98 #302 differ from the current owner's?
The estimate on this page (about $39,650 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $10,000 more per year than the current owner’s estimated bill (+34%). 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 1900 Scenic Highway 98 #302 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.
See 1900 Scenic Highway 98 #302 in person
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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.
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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.