3191 Scenic Highway 98 #308, Destin, FL 32541
Sources: Emerald Coast MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 3, 2026, 3191 Scenic Highway 98 #308 in Grand Caribbean West Condo, Destin is listed at $375,000. That is 53% above Grand Caribbean West Condo's median closed sale of $244,800 over the last 12 months (23 recorded sales). It has been 135 days on market, longer than the community's typical 29 days to contract. Listing facts: built in 1994. 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 1994 · 32 yrs
- 135 days on market
About this home
Turnkey top-floor beach condo with income to match. This 1BR/1BA at Grand Caribbean West blends coastal style with smart rental-ready design: a rare full-size kitchen, built-in hallway bunks for extra sleeping capacity, and an in-unit washer/dryer. Recent upgrades include luxury tile flooring, an updated bath, a 2019 HVAC system, a 2021 water heater, and a smooth ceiling (popcorn removed in 2022) -- move-in ready with peace of mind built in.
Enjoy Gulf views from the private balcony, directly across from the beach, plus resort-style amenities: pool, hot tub, grilling area, and picnic pavilion. And the location just got better -- Tarpon Beach Gulf Front Park, a short walk down Scenic Hwy 98, opened July 2026 with 340 feet of true gulf-front public beach access, free parking, restrooms, and pavilions. Short-term rentals are welcomed here, and the condo sells fully furnished -- simply arrive and start earning from day one.
HOA dues of $862/month cover ground keeping, insurance, sewer, trash, cable, and water for effortless ownership. An exceptional value for this building and location -- schedule your private showing today! All information is deemed accurate but should be verified by the buyer and/or buyer's agent if important.
All 28 photos
Description provided by Counts Real Estate Group Inc 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 $2,053/mo 79%
- Taxes $350/mo 14%
- Insurance $182/mo 7%
$2,585/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 rateThe current taxable value ($340,000) is above the asking price. After a sale the assessment is typically set from market value, which here would be lower than the current taxable value, so the estimate is lower. Confirm with the county property appraiser — the appraiser, not the sale price, sets the assessment.
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 National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; 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
- 1994BuiltPer public record
- About May 2026Listed (per MLS)MLS reports 135 cumulative days on market as of October 3, 2026
- Aug 4, 2026First seen on movewithmomentum.comObserved at $375,000
- 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 GRAND CARIBBEAN WEST CONDO. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
Momentum Property Score
54/100 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: 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 3, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Seen enough photos?
Want to see 3191 Scenic Highway 98 #308?
Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.
Listed by Counts Real Estate Group Inc · MLS # 1003790
Request a showing
Similar homes for sale near GRAND CARIBBEAN WEST 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 GRAND CARIBBEAN WEST CONDO
- 6172 W Dogwood Drive · $349,900 · 3 bd / 2.0 ba · listed October 2, 2026 (courtesy of Teel & Waters Real Estate Company Inc)
- 770 Sundial Court #104 · $348,950 · 1 bd / 1.5 ba · listed October 2, 2026 (courtesy of Counts Real Estate Group Inc)
- 916 Linden Avenue · $454,900 · 4 bd / 2.0 ba · listed October 2, 2026 (courtesy of Bermuda Shorts Real Estate Services Inc)
- 5 Gulf Breeze Court · $629,000 · 2 bd / 2.5 ba · listed October 2, 2026 (courtesy of Keller Williams Success Realty)
- 303 N Beal Parkway · $295,000 · 2 bd / 1.0 ba · listed October 2, 2026 (courtesy of Century 21 AllPoints Realty)
- 3191 Scenic Highway 98 #314 · $370,000 · 1 bd / 1.0 ba · listed October 1, 2026 (courtesy of Keller Williams Realty Destin)
Recently off market in GRAND CARIBBEAN WEST CONDO
- 790 Santa Rosa Boulevard #206 · last listed $549,000 · 2026-10-02
- 615 31st Street · last listed $345,000 · 2026-10-02
- 6100 Barnes Road · last listed $265,000 · 2026-10-02
- 5747 Dearing Street · last listed $317,900 · 2026-10-02
- 502 Gulf Shore Drive #715 · last listed $445,000 · 2026-10-02
- 502 Gulf Shore Drive #618 · last listed $455,000 · 2026-10-02
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 3191 Scenic Highway 98 #308, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1994 (32 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 $4,200/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $175 less per year than the current owner’s estimated bill (−4%). 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 3, 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 X 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 3191 Scenic Highway 98 #308 and when was it built?
Per the listing record, 3191 Scenic Highway 98 #308 was built in 1994 and has 1 bedrooms and 1.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 3191 Scenic Highway 98 #308 in?
3191 Scenic Highway 98 #308 is in Grand Caribbean West 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 3191 Scenic Highway 98 #308 differ from the current owner's?
The estimate on this page (about $4,200 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $175 less per year than the current owner’s estimated bill (−4%). 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 3191 Scenic Highway 98 #308 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.
See 3191 Scenic Highway 98 #308 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.
Momentum Realty · licensed in FL & GA
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.