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.
284 waterfront homes are for sale or pending in Destin, FL today across 121 communities. The median asking price is $749,999, from $199,900 to $15,000,000. Listings in Destin without that feature have a median of $520,000. Most listings right now: Emerald Grande (15), Jetty East Condo (15), Holiday Isle (13). Updated September 27, 2026 from the MLS.
Live waterfront homes in Destin: the listings
129 active listings carry the flag today (31% of Destin inventory), median asking $1,049,000, median 163 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 |
| 4736 Ocean Boulevard | $6,950,000 | — | Destiny By The Sea S/D |
| 4659 Destiny Way | $5,490,000 | — | Destiny S/D |
| 3469 Scenic Highway 98 | $5,300,000 | — | Grand Palms S/D |
| 714 Harbor Boulevard | $4,650,000 | — | The Retreat at Old Pass |
| 3430 Scenic Highway 98 | $4,500,000 | — | Crystal Beach |
| 330 Kelly Plantation Drive | $4,500,000 | — | Kelly Plantation S/D |
Waterfront Homes by price
| Band | For sale | Share |
|---|---|---|
| Under $300K | 2 | 2% |
| $300K–$500K | 16 | 12% |
| $500K–$750K | 24 | 19% |
| $750K–$1M | 21 | 16% |
| $1M+ | 66 | 51% |
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 | 15 | 0 | $729,000 | $475,000 |
| Jetty East Condo | 15 | 0 | $415,000 | $315,000 |
| Holiday Isle | 13 | 0 | $2,299,000 | $929,000 |
| Pelican Beach Resort Condo | 9 | 0 | $615,000 | $560,000 |
| Silver Dunes Condo | 9 | 0 | $475,000 | $289,000 |
| One Water Place | 6 | 0 | $1,374,000 | $915,000 |
| Harbor Landing | 6 | 0 | $995,000 | $690,000 |
| Aegean Condo | 6 | 0 | $764,000 | $699,000 |
| Dolphin Point Condo | 6 | 0 | $466,499 | $375,000 |
| Gulf Terrace Condo | 6 | 0 | $240,000 | $200,900 |
| Destiny S/D | 5 | 0 | $1,725,000 | $900,000 |
| Sterling Sands Condo | 5 | 0 | $670,000 | $649,000 |
| Jetty East Condominium | 5 | 0 | $634,900 | $310,000 |
| Sundestin International Condo | 5 | 0 | $629,000 | $345,000 |
| East Pass Towers Condo | 5 | 0 | $575,000 | $530,000 |
| Silver Beach Towers | 4 | 0 | $1,540,000 | $1,050,000 |
| Destin Pointe | 4 | 0 | $1,386,999 | $1,150,000 |
| Terrace At Pelican Beach | 4 | 0 | $612,000 | $475,000 |
| Shoreline Towers 3 | 4 | 0 | $564,250 | $499,000 |
| Sundestin | 4 | 0 | $492,000 | $347,000 |
| Capri by the Gulf | 4 | 0 | $445,000 | $425,000 |
| Islander Condo Ph 2 | 4 | 0 | $415,250 | $389,900 |
| Kelly Plantation S/D | 3 | 0 | $4,500,000 | $1,125,000 |
| Marbella | 3 | 0 | $3,250,000 | $877,700 |
| St. Thomas At Silver Shells | 3 | 0 | $1,750,000 | $1,500,000 |
| Regatta Bay Ph 2 | 3 | 0 | $1,499,000 | $1,100,000 |
| Jade East Towers Condo | 3 | 0 | $1,295,000 | $1,197,500 |
| Destin Yacht Club | 3 | 0 | $1,269,000 | $1,225,000 |
| East Pass Towers Condo Ph 2 | 3 | 0 | $1,049,900 | $990,000 |
| Marbella | 3 | 0 | $895,000 | $675,000 |
| Crystal Sands Condo | 3 | 0 | $779,000 | $750,000 |
| Marbella | 3 | 0 | $760,000 | $675,000 |
| Regatta Bay Ph 1 | 2 | 0 | $2,874,999 | $2,199,999 |
| Marbella | 2 | 0 | $2,388,850 | $897,700 |
| St. Maarten At Silver Shells | 2 | 0 | $1,850,000 | $1,850,000 |
| Kokomo Kove | 2 | 0 | $1,667,500 | $1,395,000 |
| Tides Of Destin | 2 | 0 | $1,424,000 | $1,049,000 |
| Grand Harbor | 2 | 0 | $1,423,950 | $1,349,900 |
| Tranquil Harbor | 2 | 0 | $1,287,499 | $1,275,000 |
| Destin Towers Condo | 2 | 0 | $1,087,500 | $1,050,000 |
| Sides Moreno Point West | 2 | 0 | $890,000 | $795,000 |
| St. Lucia At Silver Shells | 2 | 0 | $874,500 | $850,000 |
| Sandpiper Cove Ph 02 | 2 | 0 | $754,950 | $750,000 |
| Destin Harbor Place | 2 | 0 | $692,000 | $549,000 |
| Shoreline Towers 1 | 2 | 0 | $686,950 | $624,900 |
| Shoreline Towers 2 | 2 | 0 | $637,000 | $635,000 |
| Canal Place Ph 1 | 2 | 0 | $514,999 | $280,000 |
| Holiday Surf & Racquet Club | 2 | 0 | $469,500 | $400,000 |
| Islander Condo | 2 | 0 | $422,438 | $369,877 |
| Laguna Point Condo | 2 | 0 | $395,000 | $390,000 |
| Century Park West | 2 | 0 | $284,450 | $199,900 |
| Destiny Shores S/D | 1 | 0 | $7,999,000 | $7,999,000 |
| Destiny By The Sea S/D | 1 | 0 | $6,950,000 | $6,950,000 |
| 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 |
| Destin Moreno Point | 1 | 0 | $3,740,000 | $3,740,000 |
| 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 |
Also with waterfront homes for sale
- Indian Creek S/D (1)
- Kellys Addn To Destin (1)
- Regatta Bay (1)
- Destiny East Ph 1 (1)
- Holiday Isle (1)
- Regency Towers (1)
- Indian Bayou (1)
- Moreno Acres S/D (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)
- Gulfshore Condo (1)
- Regatta Bay Patio Homes (1)
- Breakers East Condo (1)
- Destin Towers (1)
- Silver Beach Towers East (1)
- Breakers East (1)
- Waterview Towers (1)
- Harbour Towne (1)
- Harbor Landing (1)
- Emerald Lakes Ph 3 (1)
- Calusa Bay (1)
- Lakeside Village (1)
- Grand Mariner Ph 1 (1)
- Harbor Plantation (1)
- Lakeside Village (1)
- Destin On The Gulf (1)
- EMERALD GRANDE West (1)
- Grand Mariner Ph 3 (1)
- Emerald Lakes (1)
- Calusa Bay S/D (1)
- Harbor Landing Ph Ii (1)
- Harbor Landing Ph Ii (1)
- Twin Lakes (1)
- Magnolia House (1)
- Pelican Beach (1)
- Cabana Club Condo (1)
- Magnolia House (Destin Pointe) (1)
- Indian Lake Ph 1 (1)
- Sandpiper Cove Ph 26 (1)
- Seafarer Condo (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 (1)
- Sandpiper Cove Phase XII (1)
- Sandpiper Cove Phase XII (1)
- Isla Blanca T/H (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
- 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
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.