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.
274 waterfront homes are for sale or pending in Destin, FL today across 123 communities. The median asking price is $725,000, from $199,900 to $9,900,000. Listings in Destin without that feature have a median of $540,000. Most listings right now: Emerald Grande (12), Jetty East Condo (12), Holiday Isle (11). Updated November 8, 2026 from the MLS.
Live waterfront homes in Destin: the listings
246 active listings carry the flag today (43% of Destin inventory), median asking $725,000, median 128 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 |
|---|---|---|---|
| 501 Osceola Drive | $9,900,000 | — | Holiday Isle |
| 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 |
| 4716 Ocean Boulevard | $6,950,000 | — | Destiny By The Sea |
| 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 |
| 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 | 51 | 21% |
| $500K–$750K | 65 | 26% |
| $750K–$1M | 32 | 13% |
| $1M+ | 85 | 35% |
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 | 12 | 0 | $700,000 | $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 | $520,000 | $285,000 |
| Harbor Landing | 7 | 0 | $1,040,000 | $690,000 |
| Dolphin Point Condo | 7 | 0 | $449,000 | $350,000 |
| Jetty East Condominium | 6 | 0 | $629,950 | $310,000 |
| Gulf Terrace Condo | 6 | 0 | $235,000 | $200,900 |
| Sterling Sands Condo | 5 | 0 | $655,000 | $639,000 |
| East Pass Towers Condo | 5 | 0 | $575,000 | $529,000 |
| Sundestin | 5 | 0 | $479,000 | $347,000 |
| Sundestin International Condo | 5 | 0 | $429,900 | $345,000 |
| Destiny S/D | 4 | 0 | $2,837,500 | $900,000 |
| Regatta Bay | 4 | 0 | $2,800,000 | $2,135,000 |
| Silver Beach Towers | 4 | 0 | $1,525,000 | $985,000 |
| One Water Place | 4 | 0 | $1,174,000 | $875,000 |
| East Pass Towers Condo Ph 2 | 4 | 0 | $1,057,500 | $985,000 |
| Aegean Condo | 4 | 0 | $699,000 | $699,000 |
| Shoreline Towers 3 | 4 | 0 | $564,250 | $499,000 |
| Capri by the Gulf | 4 | 0 | $445,000 | $425,000 |
| Islander Condo Ph 2 | 4 | 0 | $398,450 | $350,000 |
| Century Park West | 4 | 0 | $273,999 | $199,900 |
| Marbella | 3 | 0 | $2,995,000 | $859,000 |
| Regatta Bay Ph 2 | 3 | 0 | $2,250,000 | $1,399,000 |
| Destin Pointe | 3 | 0 | $1,980,000 | $1,150,000 |
| St. Thomas At Silver Shells | 3 | 0 | $1,750,000 | $1,500,000 |
| Jade East Towers Condo | 3 | 0 | $1,350,000 | $1,099,000 |
| Destin Towers Condo | 3 | 0 | $1,075,000 | $990,000 |
| Canal Place Ph 1 | 3 | 0 | $749,999 | $270,000 |
| Crystal Sands Condo | 3 | 0 | $745,000 | $699,000 |
| Terrace At Pelican Beach | 3 | 0 | $625,000 | $540,000 |
| Holiday Isle | 2 | 0 | $5,887,500 | $1,875,000 |
| Regatta Bay Ph 1 | 2 | 0 | $2,825,000 | $2,100,000 |
| Marbella | 2 | 0 | $2,388,850 | $897,700 |
| Regency Towers | 2 | 0 | $2,349,000 | $1,749,000 |
| Destin Yacht Club | 2 | 0 | $2,010,000 | $1,225,000 |
| Tides Of Destin | 2 | 0 | $1,424,000 | $1,049,000 |
| Tranquil Harbor | 2 | 0 | $1,239,499 | $1,179,000 |
| Waterview Towers | 2 | 0 | $1,165,000 | $880,000 |
| Kelly Plantation S/D | 2 | 0 | $1,060,000 | $995,000 |
| St. Lucia At Silver Shells | 2 | 0 | $864,500 | $850,000 |
| Sides Moreno Point West | 2 | 0 | $842,450 | $699,900 |
| Marbella | 2 | 0 | $785,000 | $675,000 |
| Marbella | 2 | 0 | $752,000 | $675,000 |
| Magnolia House | 2 | 0 | $478,500 | $369,000 |
| Sundestin | 2 | 0 | $474,500 | $469,000 |
| Laguna Point Condo | 2 | 0 | $375,000 | $350,000 |
| Destiny Shores S/D | 1 | 0 | $7,999,000 | $7,999,000 |
| Destiny By The Sea | 1 | 0 | $6,950,000 | $6,950,000 |
| Grand Palms S/D | 1 | 0 | $5,300,000 | $5,300,000 |
| The Retreat at Old Pass | 1 | 0 | $4,650,000 | $4,650,000 |
| Crystal Beach | 1 | 0 | $4,500,000 | $4,500,000 |
| Signature Beach | 1 | 0 | $3,960,000 | $3,960,000 |
| Henderson Beach Villas | 1 | 0 | $3,895,000 | $3,895,000 |
| 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 |
| Kellys Addn To Destin | 1 | 0 | $2,999,000 | $2,999,000 |
| Emerald Bay West | 1 | 0 | $2,149,900 | $2,149,900 |
Also with waterfront homes for sale
- Destiny East Ph 1 (1)
- St. Maarten At Silver Shells (1)
- Indian Bayou Unit 4 (1)
- Indian Bayou (1)
- Kokomo Kove (1)
- Kelly Plantation S/D Ph 2 (1)
- Grand Harbor (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)
- Harbor Lights (1)
- Emerald Lakes Ph 1 (1)
- Breakers East Condo (1)
- Destin Towers (1)
- Gulfshore Condo (1)
- Silver Beach Towers East (1)
- Kelly Plantation - Carriage Place (1)
- Breakers East (1)
- Canal Place (1)
- Harbour Towne (1)
- Harbor Landing (1)
- Destin Harbor Place (1)
- Lakeside Village (1)
- Sandpiper Cove Ph 02 (1)
- Grand Mariner Ph 1 (1)
- Emerald Lakes Ph 3 (1)
- Emerald Lakes Ph 2 (1)
- Destin On The Gulf (1)
- Shoreline Towers 1 (1)
- EMERALD GRANDE West (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)
- Emerald Grande West (1)
- Twin Lakes (1)
- Cabana Club Condo (1)
- Pelican Beach (1)
- Holiday Surf & Racquet Club (1)
- Magnolia House (Destin Pointe) (1)
- Seafarer Condo (1)
- Sandpiper Cove Ph 26 (1)
- Islander Condo (1)
- Islander unit 618 (1)
- Caribbean Dunes Ph 1 (1)
- Diamond Lakes (1)
- Poolside Villas Condo (1)
- Sterling Shores (1)
- Sun King Towers (1)
- Sandpiper Cove Phase #1 Unit B Bldg 14 (1)
- Sandpiper Cove Phase XII (1)
- Sandpiper Cove Phase XII (1)
- Isla Blanca T/H (1)
- Gulf Terrace Condominium Association (1)
- Sandpiper Cove Ph 14 (1)
- Indian Lake Ph 2 (1)
- Mossey Cove T/H (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
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- 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 (181 for sale)
- Niceville waterfront homes (22 for sale)
- Shalimar waterfront homes (18 for sale)
- Crestview waterfront homes (17 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.