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.
434 waterfront homes are for sale or pending in Destin, FL today across 188 communities. The median asking price is $895,000, from $197,000 to $15,000,000. Most listings right now: Jetty East Condo (15), Emerald Grande (14), Emerald Grande (14). Updated September 8, 2026 from the MLS.
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 |
|---|---|---|---|---|
| Jetty East Condo | 15 | 0 | $415,000 | $315,000 |
| Emerald Grande | 14 | 0 | $731,000 | $475,000 |
| Emerald Grande | 14 | 0 | $727,000 | $475,000 |
| Holiday Isle | 13 | 0 | $2,299,000 | $995,000 |
| Holiday Isle | 11 | 0 | $2,299,000 | $775,000 |
| Pelican Beach Resort Condo | 9 | 0 | $615,000 | $560,000 |
| One Water Place | 8 | 0 | $1,324,500 | $950,000 |
| Harbor Landing | 7 | 0 | $1,040,000 | $690,000 |
| One Water Place | 6 | 0 | $1,374,000 | $950,000 |
| Harbor Landing | 6 | 0 | $1,010,000 | $690,000 |
| Aegean Condo | 6 | 0 | $764,000 | $709,000 |
| Silver Dunes Condo | 6 | 0 | $385,000 | $289,000 |
| St. Thomas At Silver Shells | 5 | 0 | $1,825,000 | $1,500,000 |
| Destiny S/D | 5 | 0 | $1,725,000 | $900,000 |
| Kelly Plantation S/D | 5 | 0 | $1,699,000 | $1,125,000 |
| Sundestin International Condo | 5 | 0 | $649,000 | $345,000 |
| Jetty East Condominium | 5 | 0 | $634,900 | $395,900 |
| Terrace At Pelican Beach | 5 | 0 | $599,000 | $475,000 |
| Dolphin Point Condo | 5 | 0 | $498,999 | $435,000 |
| Capri by the Gulf | 5 | 0 | $455,000 | $445,000 |
| Gulf Terrace Condo | 5 | 0 | $245,000 | $205,900 |
| Kelly Plantation S/D | 4 | 0 | $3,099,500 | $1,125,000 |
| Destiny S/D | 4 | 0 | $2,510,000 | $1,273,999 |
| Regatta Bay | 4 | 0 | $2,331,250 | $1,395,000 |
| Silver Beach Towers | 4 | 0 | $1,540,000 | $1,050,000 |
| Destin Yacht Club | 4 | 0 | $1,484,500 | $1,225,000 |
| Destin Pointe | 4 | 0 | $1,463,500 | $1,150,000 |
| Destin Pointe | 4 | 0 | $1,386,999 | $1,150,000 |
| Tranquil Harbor | 4 | 0 | $1,197,000 | $919,000 |
| Grand Harbor | 4 | 0 | $1,192,000 | $895,000 |
| East Pass Towers Condo Ph 2 | 4 | 0 | $1,019,950 | $849,500 |
| Sterling Sands Condo | 4 | 0 | $673,750 | $655,000 |
| East Pass Towers Condo | 4 | 0 | $607,450 | $549,000 |
| Shoreline Towers 3 | 4 | 0 | $564,250 | $499,000 |
| Terrace At Pelican Beach | 4 | 0 | $562,000 | $475,000 |
| Capri by the Gulf | 4 | 0 | $445,000 | $425,000 |
| Century Park West | 4 | 0 | $259,450 | $197,000 |
| Marbella | 3 | 0 | $3,250,000 | $877,700 |
| St. Thomas At Silver Shells | 3 | 0 | $1,825,000 | $1,500,000 |
| Regatta Bay Ph 2 | 3 | 0 | $1,499,000 | $1,100,000 |
| Kokomo Kove | 3 | 0 | $1,445,000 | $1,049,900 |
| St Croix At Silver Shells | 3 | 0 | $1,299,000 | $1,125,000 |
| Jade East Towers Condo | 3 | 0 | $1,295,000 | $1,197,500 |
| Destin Yacht Club | 3 | 0 | $1,269,000 | $824,900 |
| Marbella | 3 | 0 | $895,000 | $675,000 |
| St. Lucia At Silver Shells | 3 | 0 | $850,000 | $634,000 |
| Harbor Plantation | 3 | 0 | $788,999 | $774,000 |
| Crystal Sands Condo | 3 | 0 | $779,000 | $750,000 |
| Marbella | 3 | 0 | $760,000 | $675,000 |
| Shoreline Towers 1 | 3 | 0 | $629,000 | $624,900 |
| Holiday Surf & Racquet Club | 3 | 0 | $539,000 | $400,000 |
| Destiny By The Sea S/D | 2 | 0 | $10,708,500 | $6,950,000 |
| Regatta Bay Ph 1 | 2 | 0 | $3,074,999 | $2,599,999 |
| Regatta Bay Ph 1 | 2 | 0 | $2,950,000 | $2,350,000 |
| Regatta Bay | 2 | 0 | $2,457,500 | $2,150,000 |
| Marbella | 2 | 0 | $2,388,850 | $897,700 |
| St. Maarten At Silver Shells | 2 | 0 | $1,774,500 | $1,699,000 |
| Kokomo Kove | 2 | 0 | $1,692,500 | $1,395,000 |
| Tides Of Destin | 2 | 0 | $1,424,000 | $1,049,000 |
| Grand Harbor | 2 | 0 | $1,423,950 | $1,349,900 |
Also with waterfront homes for sale: Silver Beach Towers West (2), Tranquil Harbor (2), Destin Towers Condo (2), Sides Moreno Point West (2), St. Lucia At Silver Shells (2), Sandpiper Cove Ph 02 (2), Sandpiper Cove Ph 02 (2), Destin On The Gulf (2), Destin On The Gulf (2), Seafarer Condo (2), Destin Harbor Place (2), Shoreline Towers 2 (2), Canal Place Ph 1 (2), Magnolia House (2), Magnolia House (2), Holiday Surf & Racquet Club (2), Sundestin (2), Sundestin (2), Islander Condo Ph 2 (2), Laguna Point Condo (2), Century Park West (2), Destiny Shores S/D (1), Destiny Shores S/D (1), Destiny By The Sea S/D (1), Grand Palms S/D (1), Grand Palms S/D (1), The Retreat at Old Pass (1), The Retreat at Old Pass (1), Crystal Beach (1), Crystal Beach (1), Destin Moreno Point (1), Destin Moreno Point (1), Grand Harbor Destin Condo Unit 1040 (1), Peacocks Point Replat (1), Peacocks Point Replat (1), Indian Creek S/D (1), Indian Creek S/D (1), Kellys Addn To Destin (1), Kelly Plantation (1), Kelly Plantation (1), Silver Beach Towers (1), Holiday Isle Towers Condo (1), Destiny East Ph 3 (1), Destiny East Ph 1 (1), Destiny East Ph 1 (1), Holiday Isle (1), Holiday Isle (1), Regency Towers (1), St. Barth At Silver Shells (1), St. Maarten At Silver Shells (1), St. Barth At Silver Shells (1), Regatta Bay Ph 2 (1), Moreno Acres S/D (1), Indian Bayou (1), Kelly Plantation S/D Ph 2 (1), Kelly Plantation S/D Ph 2 (1), Harbor Lights (1), Destiny Beach Villas (1), Harbor Lights (1), Dunes Of Destin (1), Southbay By The Gulf (1), ONE WATER PLACE at Kelly Plantation (1), Waterview Towers Yacht Club (1), Kelly Plantation (1), Parkside (1), Regatta Patio Homes (1), Harbor Lights (1), Gulfshore Condo (1), Harbor Lights (1), Breakers East Condo (1), Regatta Bay Patio Homes (1), Destin Towers (1), Destiny East Ph 4 (1), Silver Beach Towers East (1), Sides Moreno Point West (1), Breakers East (1), Kelly Plantation - Carriage Place (1), Sides Moreno Point West (1), Waterview Towers (1), Harbor Landing (1), Harbor Landing (1), Emerald Lakes Ph 3 (1), Henderson Lofts (1), Calusa Bay (1), Calusa Bay (1), Lakeside Village (1), Grand Mariner Ph 1 (1), Lakeside Village (1), Harbor Plantation (1), EMERALD GRANDE West (1), EMERALD GRANDE West (1), Grand Mariner Ph 3 (1), Calusa Bay S/D (1), Calusa Bay S/D (1), Emerald Lakes (1), Harbor Landing Ph Ii (1), Harbor Landing Ph Ii (1), Twin Lakes (1), Emerald Grande West (1), Destin Harbor Place (1), South Bay By The Gulf (1), Pelican Beach (1), Pelican Beach (1), Cabana Club Condo (1), Magnolia House (Destin Pointe) (1), Magnolia House (Destin Pointe) (1), Indian Lake Ph 1 (1), Sandpiper Cove Ph 26 (1), Shoreline Towers 4 (1), Sun King Towers (1), Islander unit 618 (1), Caribbean Dunes Ph 1 (1), Poolside Villas Condo (1), Sterling Shores (1), Sun King Towers (1), Sandpiper Cove Phase #1 Unit B Bldg 14 (1), Sandpiper Cove Phase #1 Unit B Bldg 14 (1), Islander Condo (1), Sandpiper Cove (1), Sandpiper Cove (1), Sandpiper Cove Phase XII (1), Sandpiper Cove Phase XII (1), Isla Blanca T/H (1), Isla Blanca T/H (1), Sandpiper Cove Ph 01 (1), Sandpiper Cove Ph 01 (1), Gulf Terrace Condominium Association (1), Sandpiper Cove Ph 14 (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
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.