Waterfront Homes for Sale in Destin, FL
This page tracks every Destin listing whose MLS record reports waterfront (ocean, bay, Intracoastal, river, canal or lake frontage), by community, with live counts and asking prices, and the costs that come with the water.
283 waterfront homes are for sale or pending in Destin, FL today across 126 communities. The median asking price is $749,000, from $199,900 to $15,000,000. Listings in Destin without that feature have a median of $519,950. Most listings right now: Emerald Grande (14), Jetty East Condo (12), Holiday Isle (11). Updated October 17, 2026 from the MLS.
Live waterfront homes in Destin: the listings
253 active listings carry the flag today (42% of Destin inventory), median asking $725,000, median 134 days on market. Photo cards link to the listing; refreshed nightly.
Newest waterfront homes in Destin
The most expensive waterfront homes in Destin
| Listing | Asking | Sq ft | Community |
|---|---|---|---|
| 4300 Breakwater Drive | $15,000,000 | — | Kelly Plantation S/D |
| 3464 Scenic Hwy 98 | $7,999,000 | — | Destiny Shores S/D |
| 609 Lagoon Drive | $7,850,000 | — | Holiday Isle |
| 456 Captains Circle | $6,999,999 | — | Regatta Bay |
| 330 Tang O Mar Drive | $6,399,000 | — | — |
| 3469 Scenic Highway 98 | $5,300,000 | — | Grand Palms S/D |
| 4659 Destiny Way | $5,195,000 | — | Destiny S/D |
| 510 Calhoun Avenue | $4,700,000 | — | — |
| 714 Harbor Boulevard | $4,650,000 | — | The Retreat at Old Pass |
| 3430 Scenic Highway 98 | $4,500,000 | — | Crystal Beach |
Waterfront Homes by price
| Band | For sale | Share |
|---|---|---|
| Under $300K | 13 | 5% |
| $300K–$500K | 50 | 20% |
| $500K–$750K | 70 | 28% |
| $750K–$1M | 29 | 11% |
| $1M+ | 91 | 36% |
Destin waterfront homes by community
Click a community for its full guide: prices, HOA reality, insurance posture and the homes for sale. The 60 communities with the most waterfront homes listed are tabled; the rest follow.
| Community | Waterfront Homes | New build | Median list | From |
|---|---|---|---|---|
| Emerald Grande | 14 | 0 | $727,000 | $475,000 |
| Jetty East Condo | 12 | 0 | $430,450 | $327,000 |
| Holiday Isle | 11 | 0 | $2,245,000 | $929,000 |
| Pelican Beach Resort Condo | 9 | 0 | $609,000 | $549,900 |
| Silver Dunes Condo | 8 | 0 | $525,000 | $285,000 |
| One Water Place | 6 | 0 | $1,374,000 | $875,000 |
| Jetty East Condominium | 6 | 0 | $629,950 | $310,000 |
| Dolphin Point Condo | 6 | 0 | $466,499 | $350,000 |
| Gulf Terrace Condo | 6 | 0 | $235,000 | $200,900 |
| Destiny S/D | 5 | 0 | $1,725,000 | $900,000 |
| Harbor Landing | 5 | 0 | $1,040,000 | $690,000 |
| Aegean Condo | 5 | 0 | $699,000 | $699,000 |
| Sterling Sands Condo | 5 | 0 | $659,000 | $639,000 |
| Sundestin International Condo | 5 | 0 | $629,000 | $345,000 |
| East Pass Towers Condo | 5 | 0 | $575,000 | $530,000 |
| Silver Beach Towers | 4 | 0 | $1,525,000 | $1,050,000 |
| East Pass Towers Condo Ph 2 | 4 | 0 | $1,087,450 | $990,000 |
| Shoreline Towers 3 | 4 | 0 | $564,250 | $499,000 |
| Sundestin | 4 | 0 | $484,950 | $347,000 |
| Capri by the Gulf | 4 | 0 | $445,000 | $425,000 |
| Islander Condo Ph 2 | 4 | 0 | $403,450 | $389,900 |
| Century Park West | 4 | 0 | $283,950 | $199,900 |
| Kelly Plantation S/D | 3 | 0 | $4,500,000 | $1,125,000 |
| Marbella | 3 | 0 | $3,250,000 | $877,700 |
| Regatta Bay Ph 2 | 3 | 0 | $2,400,000 | $1,399,000 |
| Regatta Bay Ph 1 | 3 | 0 | $2,199,999 | $2,100,000 |
| St. Thomas At Silver Shells | 3 | 0 | $1,750,000 | $1,500,000 |
| Jade East Towers Condo | 3 | 0 | $1,295,000 | $1,099,000 |
| Tranquil Harbor | 3 | 0 | $1,275,000 | $1,179,000 |
| Destin Yacht Club | 3 | 0 | $1,269,000 | $1,225,000 |
| Marbella | 3 | 0 | $829,000 | $675,000 |
| Crystal Sands Condo | 3 | 0 | $779,000 | $750,000 |
| Marbella | 3 | 0 | $760,000 | $675,000 |
| Terrace At Pelican Beach | 3 | 0 | $625,000 | $550,000 |
| Regatta Bay | 2 | 0 | $2,450,000 | $2,135,000 |
| Marbella | 2 | 0 | $2,388,850 | $897,700 |
| Destin Pointe | 2 | 0 | $1,974,750 | $1,150,000 |
| Tides Of Destin | 2 | 0 | $1,424,000 | $1,049,000 |
| Grand Harbor | 2 | 0 | $1,418,950 | $1,339,900 |
| Waterview Towers | 2 | 0 | $1,165,000 | $880,000 |
| Destin Towers Condo | 2 | 0 | $1,057,500 | $990,000 |
| St. Lucia At Silver Shells | 2 | 0 | $874,500 | $850,000 |
| Sides Moreno Point West | 2 | 0 | $842,450 | $699,900 |
| Destin Harbor Place | 2 | 0 | $692,000 | $549,000 |
| Shoreline Towers 1 | 2 | 0 | $686,950 | $624,900 |
| Canal Place Ph 1 | 2 | 0 | $509,999 | $270,000 |
| Magnolia House | 2 | 0 | $478,500 | $369,000 |
| Holiday Surf & Racquet Club | 2 | 0 | $469,500 | $400,000 |
| Poolside Villas Condo | 2 | 0 | $422,000 | $420,000 |
| Laguna Point Condo | 2 | 0 | $395,000 | $390,000 |
| Destiny Shores S/D | 1 | 0 | $7,999,000 | $7,999,000 |
| Grand Palms S/D | 1 | 0 | $5,300,000 | $5,300,000 |
| Cross Street Subdivison | 1 | 0 | $4,700,000 | $4,700,000 |
| The Retreat at Old Pass | 1 | 0 | $4,650,000 | $4,650,000 |
| Crystal Beach | 1 | 0 | $4,500,000 | $4,500,000 |
| Henderson Beach Villas | 1 | 0 | $3,895,000 | $3,895,000 |
| Destin Moreno Point | 1 | 0 | $3,540,000 | $3,540,000 |
| Grand Harbor Destin Condo Unit 1040 | 1 | 0 | $3,200,000 | $3,200,000 |
| Peacocks Point Replat | 1 | 0 | $3,049,900 | $3,049,900 |
| Indian Creek S/D | 1 | 0 | $2,999,999 | $2,999,999 |
Also with waterfront homes for sale
- Kellys Addn To Destin (1)
- Regatta Bay (1)
- Emerald Bay West (1)
- Destiny East Ph 1 (1)
- Silver Beach Towers (1)
- Holiday Isle (1)
- St. Maarten At Silver Shells (1)
- Regency Towers (1)
- Crystal Dunes Condo (1)
- Indian Bayou (1)
- Kokomo Kove (1)
- Kelly Plantation S/D Ph 2 (1)
- Destiny Beach Villas (1)
- Harbor Lights (1)
- St. Barth At Silver Shells (1)
- Dunes Of Destin (1)
- Silver Beach Towers West (1)
- Waterview Towers Yacht Club (1)
- Parkside (1)
- Regatta Patio Homes (1)
- Harbor Lights (1)
- Emerald Lakes Ph 1 (1)
- Breakers East Condo (1)
- Destin Towers (1)
- Gulfshore Condo (1)
- Silver Beach Towers East (1)
- Breakers East (1)
- Harbour Towne (1)
- Harbor Landing (1)
- Emerald Lakes Ph 3 (1)
- Calusa Bay (1)
- Lakeside Village (1)
- Sandpiper Cove Ph 02 (1)
- Grand Mariner Ph 1 (1)
- Destin On The Gulf (1)
- Harbor Plantation (1)
- EMERALD GRANDE West (1)
- Grand Mariner Ph 3 (1)
- Lakeside Village (1)
- Emerald Lakes (1)
- Harbor Landing Ph Ii (1)
- Harbor Landing Ph Ii (1)
- Shoreline Towers 2 (1)
- Inlet Reef Club Condo (1)
- Twin Lakes (1)
- Pelican Beach (1)
- Cabana Club Condo (1)
- Magnolia House (Destin Pointe) (1)
- Indian Lake Ph 1 (1)
- Seafarer Condo (1)
- Sandpiper Cove Ph 26 (1)
- Sundestin (1)
- Islander Condo (1)
- Islander unit 618 (1)
- Caribbean Dunes Ph 1 (1)
- Sterling Shores (1)
- Sun King Towers (1)
- Sandpiper Cove Phase #1 Unit B Bldg 14 (1)
- Sandpiper Cove (1)
- Sandpiper Cove Phase XII (1)
- Sandpiper Cove Phase XII (1)
- Isla Blanca T/H (1)
- Gulf Terrace Condominium Association (1)
- Mossey Cove T/H (1)
- Sandpiper Cove Ph 14 (1)
- Indian Lake Ph 2 (1)
What waterfront ownership really costs
Waterfront homes carry costs inland homes do not: flood insurance where the parcel sits in a FEMA special flood hazard area, higher windstorm premiums closer to open water, and upkeep for seawalls, docks and lifts. Before you offer, pull the FEMA flood zone for the specific parcel, ask for the seawall’s age and any inspection reports, and get an insurance quote in hand, not an estimate. Our flood insurance calculator and wind mitigation savings calculator show what the parcel will actually cost to insure.
Questions to ask about any waterfront listing
Is the water frontage deeded or association-owned? Is there a fixed bridge between the dock and open water, and what is the clearance? What did the seller pay for flood and wind coverage last year, and with which carriers? Has the seawall or dock been permitted and inspected? What is the finished-floor elevation? A local agent who works waterfront deals will know which canals hold depth at low tide and which carriers are writing in the area.
Common questions
How many waterfront homes are for sale in Destin?
What do waterfront homes cost in Destin?
Which Destin community has the most waterfront homes for sale?
Is a waterfront home always in a flood zone?
Keep exploring Destin
- All homes for sale in Destin
- Destin ZIP codes with prices
- Destin golf course homes
- Destin gated community homes
- Destin 4-bedroom homes
- Destin homes under $300K
- Destin homes $300K–$500K
- Waterfront Homes in every city
Waterfront Homes in nearby Okaloosa County cities
- Fort Walton Beach waterfront homes (197 for sale)
- Niceville waterfront homes (32 for sale)
- Shalimar waterfront homes (21 for sale)
- Crestview waterfront homes (19 for sale)
- Mary Esther waterfront homes (13 for sale)
Live data: Emerald Coast AOR, refreshed with every MLS pull; this page rebuilds on every ship. Community-level aggregates only: active and pending residential listings in Destin, FL whose MLS record reports waterfront. Prices are asking prices, not values. Property features and prices only; nothing on this page describes residents. Equal Housing Opportunity.