4478 Ocean View Drive, Destin, FL 32541
Sources: Emerald Coast MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of September 11, 2026, 4478 Ocean View Drive in Crystal Shores, Destin is listed at $3,795,000. That is 204% above Crystal Shores's median closed sale of $1,250,000 over the last 12 months (5 recorded sales). It has been 437 days on market, longer than the community's typical 85 days to contract. Listing facts: built in 2017. 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 2017 · 9 yrs
- 1-car garage
- 437 days on market
- HOA ~$50/mo (estimate; confirm)
This home’s history
- 2017BuiltPer public record
- Aug 4, 2026First trackedObserved at $3,795,000
- 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.
Estimated monthly payment
- Principal & interest $19,611/mo 81%
- Taxes $3,321/mo 14%
- Insurance $1,235/mo 5%
- HOA $50/mo 0%
$24,217/mo at 20% down, 30-yr @ 6.71% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Momentum Property Score
64/100 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.
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.
The Momentum read
7% of homes in CRYSTAL SHORES are owner-occupied. An estimated 93% are non-owner-occupied, including 31% held in a company or trust and 74% 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), 70 homes matched. Community-level context.
Recent CRYSTAL SHORES sales closed near 93.1% of original asking. Cash paid for about 0% of recent closings here.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 July 25, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 4 active listings in CRYSTAL SHORES, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated September 11, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
Beautifully furnished luxury home features 15-foot ceilings in third floor main living area with Gulf views! Six bedrooms and seven and a half bathrooms, this home can accommodate up to 24 guests with almost 4900 Sqft. All bedrooms located on the southside and all but one are in site of the Gulf.
Featuring wrap-around porches, patio and decks; enjoy the breezes even on rainy days with over 3900 Sqft of covered space. Enjoy the Sun by the large private heated pool and outdoor kitchen area with 36-inch grill, fridge, sink, 80-pound ice maker and smart TV. Complete with conditioned full bathroom and changing area.
Outdoor shower located right by the gate with Hot and cold water! Inside the home you'll find top of the line everything. Travertine floors throughout with Marble in the third-floor primary bathroom.
Pecky Cypress accents and whimsical décor throughout. Open gourmet kitchen, living and dining room is truly the masterpiece of the Home. With 15-foot ceilings and the sparkles of the Gulf Blue waters, it is the perfect spot to eat, drink and socialize.
Stainless appliances include Bertozonni 48-inch gas range, Liebherr refrigerators with dual ice makers plus undercounter 65-pound ice maker, beverage fridge and two dishwashers. Two separate laundry areas with washer/dryer. Large islands with bar seating two dining tables.
Two Rinnai tankless water heaters and each floor has separate air conditioner. Elevator services all three floors and has interior and exterior stairs for convenience. All bedrooms have custom furnishings and décor with all having balcony and seating area.
Second floor has eat-in coffee bar area with beverage fridge and sink. Built-in bunk room and billiards room on first floor each with its own full bath. Second floor has large Primary suite with custom shower and seating area.
Two adjacent bedrooms that share a bath have queen and twin bed and a full. Fourth bedroom with king bed and private bathroom and dual closets. Third floor Grand primary suite has prime Gulf views with private balcony.
The entire private bathroom is covered in imported Calacatta Vagli Marble with seamless glass shower and separate soaking tub. Corner lot with Perfect location which backs up to Scenic 98 and only steps from the Beach. Easy, walkable access to the public beach area.
Quaint community has pool and lighted sidewalks for a nice stroll. Restaurant across the street is a local's favorite with live music Thursdays, Fridays and Sundays. Come check out this unique Destin Luxury home!
Description provided by LoKation 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
Similar homes for sale near CRYSTAL SHORES
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.
Price & listing history
Building permits
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.
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Internet & broadband
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Xfinity/Spectrum cable broadband is widely available.
T-Mobile / Verizon fixed-wireless as a backup option.
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Listed by LoKation · MLS # 973863
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Recent sales activity in CRYSTAL 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 CRYSTAL SHORES neighborhood guide for more.
Recent nearby closings in the data set.
Canonical 12-month median closed price. Reference only.
Canonical 12-month median $/sq ft. Reference only.
Go deeper on CRYSTAL 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.
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 →
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.
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.
Buyer research checklist
Items worth confirming for 4478 Ocean View Drive, 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.
- Confirm whether a mandatory HOA applies to this parcel and what it charges.
- 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 $39,848/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.
Approximate distances
Approximate drive times for general reference only.
Groceries, dining, and parks for this city — see the city guide.
Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
View →Data sources & freshness
| Listing record | Emerald Coast MLS, refreshed twice daily (last: September 11, 2026) |
| Community market stats | Emerald Coast MLS closed sales, as of July 25, 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.
Frequently asked questions
How big is 4478 Ocean View Drive and when was it built?
Per the listing record, 4478 Ocean View Drive was built in 2017 and has 6 bedrooms and 7.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 4478 Ocean View Drive in?
4478 Ocean View Drive is in Crystal Shores in Destin, Okaloosa County. The community section on this page shows recent closed sales, days on market, and active inventory for Crystal Shores from the same MLS data.
Why might property taxes on 4478 Ocean View Drive differ from the current owner's?
The estimate on this page (about $39,848 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 4478 Ocean View Drive 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.
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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 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.
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.