5 Calhoun Avenue #504, 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, 5 Calhoun Avenue #504 in Sides Moreno Point West, Destin is listed at $779,000. That sits within a few percent of Sides Moreno Point West's median closed sale of $779,000 over the last 12 months (2 recorded sales). It has been 18 days on market. Listing facts: built in 2004, waterfront. The parcel maps to FEMA flood zone AE, 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 2004 · 22 yrs
- 1-car garage
- 18 days on market
- HOA ~$50/mo (estimate; confirm)
This home’s history
- 2004BuiltPer public record
- Aug 4, 2026First trackedObserved at $779,000
- 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 $4,026/mo 79%
- Taxes $682/mo 13%
- Insurance $324/mo 6%
- HOA $50/mo 1%
$5,082/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
58/100 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.
About this home
Where Destin's Waterways Meet! Unit 504 at Sides Moreno Point West offers a rare opportunity to own a spacious waterfront residence with sweeping panoramic views of the entrance to Destin Harbor, Norriego Point, Crab Island, Choctawhatchee Bay, the East Pass, and the Gulf beyond. Set within this gated, low-density community of only 44 residences, the property offers a quieter, more residential ownership experience that is increasingly rare along Destin's waterfront.
Spanning 2,196 square feet, this 3-bedroom, 3-bath condominium features 10-foot ceilings, expansive living and dining areas, and floor-to-ceiling, impact-resistant windows and doors designed to maximize natural light and the extraordinary southern exposure. Nearly every primary living space offers dramatic water views and the constant movement of boats, wildlife, sunsets, and harbor activity that make this stretch of Destin so unique. The approximately 240-square-foot waterfront balcony serves as a true outdoor living space; it's ideal for morning coffee, evening sunsets, seasonal fireworks, or simply enjoying the ever-changing, always entertaining scenery surrounding Crab Island and the East Pass.
The approximately 240-square-foot waterfront balcony serves as a true outdoor living space; it's ideal for morning coffee, evening sunsets, seasonal fireworks, or simply enjoying the ever-changing, always entertaining scenery surrounding Crab Island and East Pass. The spacious waterfront primary suite faces directly south toward the Pass and Gulf and offers private balcony access, floor-to-ceiling windows, a walk-in closet, and a generously sized ensuite bath with double vanities, a jetted tub, and separate shower. Both guest bedrooms overlook the bay and marina to the north and feature ensuite baths, providing exceptional comfort and privacy for owners and guests alike.
The kitchen combines functionality with clean coastal styling and features GE Profile double ovens, generous storage and workspace, a breakfast bar, a bar sink, white cabinetry, an updated subway-tile backsplash, and a mix of stainless-steel and white appliances. The residence has also been thoughtfully refreshed with broad buyer appeal in mind, including brand-new luxury vinyl plank flooring throughout the main living areas, new neutral carpeting in all bedrooms, fresh interior paint, updated lighting, and new ceiling fans. Additional features include remote-controlled Levelor shades on all south-facing windows and doors, a climate-controlled owner's storage cage, assigned covered garage parking, ample guest parking, building-wide WiFi with secure individual accounts, and an included Dish Network streaming service.
Sides Moreno Point West offers a gated entrance, waterfront pool, gazebo, grilling area, and community room, all located just moments from the always popular McGuire's Irish Pub, HarborWalk Village, waterfront dining, entertainment, boating, watersports, and the beaches of Okaloosa Island. Short-term rentals are not permitted, creating a more peaceful and residential coastal environment ideal for a primary residence, second home, or long-term retreat. Residences within this low-density waterfront community are only sporadically available.
Buyers seeking expansive views, generous living space, and a more residential waterfront lifestyle in the heart of Destin are encouraged to schedule a private showing with their Realtor or contact the listing agent directly for additional information.
Description provided by Coldwell Banker 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
Similar homes for sale near SIDES MORENO POINT WEST
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 flood map. Lender-required flood insurance may apply; 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 Coldwell Banker Realty · MLS # 1007089
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Recent sales activity in SIDES MORENO POINT WEST
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 SIDES MORENO POINT WEST 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 SIDES MORENO POINT WEST
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 5 Calhoun Avenue #504, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2004 (22 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 AE: 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 $8,180/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 AE 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 5 Calhoun Avenue #504 and when was it built?
Per the listing record, 5 Calhoun Avenue #504 was built in 2004 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 5 Calhoun Avenue #504 in?
5 Calhoun Avenue #504 is in Sides Moreno Point West in Destin, Okaloosa County. The community section on this page shows recent closed sales, days on market, and active inventory for Sides Moreno Point West from the same MLS data.
Why might property taxes on 5 Calhoun Avenue #504 differ from the current owner's?
The estimate on this page (about $8,180 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 5 Calhoun Avenue #504 in a flood zone?
The FEMA flood map places this parcel in Zone AE, 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 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.
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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.