775 Gulf Shore Drive #19, Destin, FL 32541
Sources: Emerald Coast MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 14, 2026, 775 Gulf Shore Drive #19 in Sandpiper Cove Ph 07, Destin is listed at $610,000. That is 76% above Sandpiper Cove Ph 07's median closed sale of $347,500 over the last 12 months (22 recorded sales). It has been 74 days on market, longer than the community's typical 40 days to contract. Listing facts: built in 1980. 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 1980 · 46 yrs
- 74 days on market
About this home
Over $49k on the books since March 2026! Rental Machine! 43 Acre Resort!
1,100 Feet Private Beach! Freestanding three-bedroom beach villa at Sandpiper Cove offers privacy, space, and a long list of brand-new upgrades and furnishings--making it an exceptional choice for a short-term rental, private residence, or second home. With no neighbors above, below, or beside you, this standalone villa combines coastal charm with modern comfort and functionality.
Recent updates include a brand-new Frigidaire appliance package featuring a microwave, refrigerator, range, and dishwasher. The kitchen and living areas have been refreshed with updated home décor and furniture, including a new hide-a-bed couch in the living room for added guest accommodations. The master bedroom encompasses the entire 3rd floor and is tucked away upstairs for additional privacy with its own master bathroom.
The upstairs balcony off the living room has been enhanced with new Bay Breeze Polywood outdoor furniture and the deck has been freshly restained for a polished look. Downstairs, a separate laundry room includes an additional refrigerator, and there's a large storage area for all your beach gear. The covered patio underneath the villa is perfect for entertaining and now features a newly installed outdoor electrical setup by Gulf Coast Electric, ideal for powering the brand-new mounted outdoor TV and other devices.
New outdoor deck furniture and a charming bed-swing under the porch add to the relaxing outdoor ambiance. Additional improvements include new attic insulation by Rite-Way Insulation, LLC, and replaced stairs for long-term durability and safety. Offered fully furnished and move-in ready, this villa blends stylish updates with a prime location in the desirable Sandpiper Cove community- just across the street from the sugar-white sands of the Emerald Coast on Sandpiper Cove's private beach area for both you and your rental guests.
These villas feature the opportunity to park your boat and golf cart underneath on your private property. Welcome to Sandpiper Cove, a vibrant 43-acre resort community in the heart of Destin, Florida, where the beach lifestyle is front and center. With 1,100 feet of private white-sand shoreline, residents and guests can enjoy exclusive access to the Gulf just steps from their door.
Whether you're an avid boater or a casual cruiser, you'll appreciate the convenient boat launch and available slip rentals. Golfers can practice their swing on the on-site 9-hole, par-3 course, while others can unwind at one of five sparkling swimming pools, soak in one of three hot tubs, or enjoy a match on one of six tennis courts. Dining is a treat at Sandpiper Cove, home to the acclaimed waterfront restaurant Louisiana Lagniappe and the laid-back Rick's Sand Trap Beach Bar & Grill, perfect for enjoying a meal or drink by the beach.
Getting around is easy with the resort's water taxi service, which offers quick access to the shops, restaurants, and nightlife of Destin Harbor. Fitness and fun continue with top-of-the-line pickleball courts and beautifully maintained grounds for strolling or biking. Best of all, Sandpiper Cove is pet-friendly, so your four-legged companions are welcome to join in the coastal experience.
This resort truly has something for everyone, all in one unbeatable location
All 52 photos
Description provided by Keller Williams Realty Destin 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 $3,379/mo 78%
- Taxes $602/mo 14%
- Insurance $331/mo 8%
$4,312/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 775 Gulf Shore Drive #19
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 $5,475/yr (certified county roll, taxable value × millage). Buy at the asking price of $610,000 and the first-year bill resets to about $7,225/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 $3,000–$6,000/yr; neither is a quote. Flood: this address maps to FEMA zone AE, a high-risk zone where flood insurance is required with a federally backed mortgage. Statewide, a zone A/AE/VE flood policy runs about $1,200–$2,500/yr (FEMA Risk Rating 2.0 averages, not a quote). |
| Roof and age | Built in 1980. An original roof would be about 46 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date. |
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.
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 SANDPIPER COVE market
How this home is priced against recent nearby sales, and where SANDPIPER COVE 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 38 (cold).
This home’s history
- 1980BuiltPer public record
- About Aug 2026Listed (per MLS)MLS reports 74 cumulative days on market as of October 14, 2026
- Aug 4, 2026First seen on movewithmomentum.comObserved at $620,000
- Aug 18, 2026Price cut$610,000 (-$10,000, -1.6%)
- 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 SANDPIPER COVE PH 07. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
Momentum Property Score
39/100 is limited 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
🟢 Buyer-leaning conditions around this listing. 11.5 months of supply in the surrounding market and 74 days on market for this home, against a 40-day area median.Days on market:this home 74Area median: 40 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 20, 2026.
10% of homes in SANDPIPER COVE are owner-occupied. An estimated 90% are non-owner-occupied, including 34% held in a company or trust and 75% 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), 122 homes matched. Community-level context.
Recent SANDPIPER COVE sales closed near 94.0% 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 25 active listings in SANDPIPER COVE, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 14, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Keller Williams Realty Destin · MLS # 1008900
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Similar homes for sale near SANDPIPER COVE PH 07
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 SANDPIPER COVE PH 07
- 775 Gulf Shore Drive #9111 · $475,000 · 2 bd / 2.0 ba · listed September 22, 2026 (courtesy of Sandpiper Cove Real Estate Inc)
- 775 Gulf Shore Drive #2080 · $450,000 · 2 bd / 2.0 ba · listed September 14, 2026 (courtesy of 850 Beach Properties LLC)
Recently off market in SANDPIPER COVE PH 07
- 775 Gulf Shore Drive #1045 · last listed $365,000 · 2026-10-12
- 775 Gulf Shore Drive #Unit 9127 · last listed $349,900 · 2026-10-03
- 775 Gulf Shore Drive #unit 2149 · last listed $750,000 · 2026-10-02
- 775 Gulf Shore Drive #8254 · last listed $269,000 · 2026-10-01
- 775 Gulf Shore Drive #2075 · last listed $365,000 · 2026-09-21
- 775 Gulf Shore Drive #8231 · last listed $295,000 · 2026-09-12
Every home on Gulf Shore Drive: 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
More on SANDPIPER COVE PH 07
Go deeper on SANDPIPER COVE PH 07
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 →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Buyer research checklist
Items worth confirming for 775 Gulf Shore Drive #19, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1980 (46 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.
- 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 $7,225/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,750 more per year than the current owner’s estimated bill (+32%). 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 14, 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 AE 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 775 Gulf Shore Drive #19 and when was it built?
Per the listing record, 775 Gulf Shore Drive #19 was built in 1980 and has 3 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 775 Gulf Shore Drive #19 in?
775 Gulf Shore Drive #19 is in Sandpiper Cove Ph 07 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 775 Gulf Shore Drive #19 differ from the current owner's?
The estimate on this page (about $7,225 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,750 more per year than the current owner’s estimated bill (+32%). 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 775 Gulf Shore Drive #19 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.
See 775 Gulf Shore Drive #19 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.
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.