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About This Home

This 5-bedroom, 3-bathroom single family at 821 Cross Street in Destin, FL is listed for $1,799,990 ($554 per sqft). Built in 1997, the home offers 3,251 sqft of living space on a 0.68 acres lot.

Agent Description

Tucked away on beautiful Marler Bayou, one of Destin's most sought-after waterfront locations, this beautifully maintained brick home offers the kind of lifestyle people move to Destin to enjoy. With incredible waterfront views and the added bonus of a detached accessory dwelling unit (ADU) currently set up as a studio apartment, this property provides flexibility that's hard to find in Destin.

Located just minutes from Destin Pass, Crab Island, Choctawhatchee Bay, and the Gulf of America, you'll have quick access to boating, fishing, waterfront dining, and everything that makes living on the Emerald Coast so special. Inside, the home is filled with custom touches that make it anything but ordinary.

The spacious living room features soaring 19-foot ceilings and a breathtaking custom wood feature wall that immediately catches your eye. Granite countertops, a custom wood wet bar with kegerator, reclaimed antique wood light fixtures, and beautiful cypress shelving create a warm and inviting space that's perfect for everyday living and entertaining.

The large primary suite offers vaulted ceilings, a walk-in closet, and plenty of room to unwind. Step onto the screened porch overlooking Marler Bayou and enjoy incredible water views, coastal breezes, and peaceful evenings beneath the shade of mature oak and magnolia trees.

The detached ADU is currently configured as a studio apartment with a sleeping area, living space, and kitchen, making it ideal for guests, extended family, a home office, or a creative space. Waterfront views, a private bayou setting, mature trees, custom finishes, and a detached ADU--all in one of Destin's most desirable waterfront locations. Properties on Marler Bayou rarely come available, making this a unique opportunity to enjoy the best of Destin waterfront living.

Key Features

  • Built in 1997
  • 0.68 acre lot
  • 2 stories
  • 6 parking spaces
  • Waterfront

Property Details

2 stories
3 full
6 spaces
1997

Amenities

WaterfrontA/C

Monthly Cost Estimate

$9,627/mo

20% down · 6.5% · 30 years

Principal$1,302
Interest$7,800
Insurance$525

Estimates only. Actual payments may vary.

Location

821 Cross Street

Destin, FL 32541

CALHOUN RESUB LT 155 BLK D

Features & Amenities

Interior Features

Breakfast BarBuilt-In BookcasesCeiling RaisedCeiling VaultedKitchen IslandLighting RecessedPantryShelvingSplit BedroomWasher/Dryer HookupWoodwork Stained

Exterior Features

BoatliftDockLawn Pump

Property Details

Flooring

TileCarpetLaminate

Construction

Concrete Brick Foundation Off Grade Siding Brick Front

Pool Features

PorchPatio

Heating

Natural Gas

Cooling

Central AirRoof Turbines(s)

Appliances

Auto Garage Door OpnCooktopDishwasherDisposalOven DoubleOven Self CleaningRange HoodRefrigerator W/IceMkStove/Oven GasWater Heater - Gas

Questions & Answers

This 5-bedroom, 3-bathroom single family at 821 Cross Street is listed at $1,799,990 ($554/sqft). The estimated monthly payment is $7,800 based on 20% down at 6.5% interest.

Key features include: Built in 1997, 0.68 acre lot, 2 stories, 6 parking spaces, Waterfront. Interior Features: Breakfast Bar, Built-In Bookcases, Ceiling Raised. Exterior Features: Boatlift, Dock, Lawn Pump.

This property is listed by Paige A Brown and can be reached at 8508309514 or paige.brown@cbrealty.com.

PB

Paige A Brown

Agent at Coldwell Banker Realty

(850) 830-9514

Listed by Coldwell Banker Realty · View on Broker Site

MLS# 1004822· Source: listhub· Updated 1 days ago

Copyright © 2026 Emerald Coast Association of Realtors. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

821 Cross Street, Destin, FL 32541

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