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About This Home

This 3-bedroom, 3-bathroom condo at 940 Highway 98 in Destin, FL is listed for $495,000 ($384 per sqft). Built in 1974, the home offers 1,289 sqft of living space on a N/A lot.

Agent Description

Welcome to South Bay by the Gulf. Please consider this beautifully maintained condo in the South Bay by the Gulf community in the heart of Destin, Florida. This 1,289 square foot, 3-bedroom, 2.5-bath unit offers an ideal opportunity as a full-time or second home, or short-term vacation rental.

Positioned on 14 acres, this family-friendly community of 109 townhomes stretches from Highway 98 to the Gulf of Mexico, enjoying 300 feet of private, deep white sand beach along a low-density shoreline. The unit features an open living and dining floor plan with a sleeper sofa, a fully equipped kitchen, a private landscaped patio, an in-unit washe

r and dryer, and a functional bedroom layout including a primary suite with private bath, two guest bedrooms, a shared full bath, and a downstairs half-bath. Community amenities include two swimming pools (one seasonally heated), private beach access, a 5-acre freshwater lake stocked with turtles and ducks, a kiddie pool, grilling areas, tennis and pickleball courts, shuffleboard, and beachside volleyball.

Conveniently located to Big Kahuna's Water & Adventure Park and just minutes from popular Destin dining and entertainment such as McGuire's Irish Pub, AJ's Seafood & Oyster Bar, and Margaritaville, this property combines coastal lifestyle appeal with strong rental and investment potential.

Key Features

  • Built in 1974
  • 2 stories

Property Details

2 stories
2 full, 1 half
#16
1974

Amenities

A/C

Monthly Cost Estimate

$3,507/mo

20% down · 6.5% · 30 years

Principal$358
Interest$2,145
Insurance$144
HOA$860

Estimates only. Actual payments may vary.

Location

940 Highway 98

Destin, FL 32541

SOUTH BAY BY THE GULF

Features & Amenities

Interior Features

Owner's ClosetPantryWasher/Dryer Hookup

Property Details

Flooring

Tile

Construction

Frame Siding Wood

Pool Features

PorchPatio

Heating

Central

Cooling

Central Air

Appliances

DishwasherDisposalDryerMicrowaveOven Self CleaningRefrigeratorRefrigerator W/IceMkWater Heater - Elect

Questions & Answers

This 3-bedroom, 3-bathroom condo at 940 Highway 98 is listed at $495,000 ($384/sqft). The estimated monthly payment is $3,005 based on 20% down at 6.5% interest.

HOA fees are $860/month.

Key features include: Built in 1974, 2 stories. Interior Features: Owner's Closet, Pantry, Washer/Dryer Hookup.

This property is listed by Christopher L Wooten and can be reached at 8505029900 or cwooten85@gmail.com.

CW

Christopher L Wooten

Agent at Taylor Allen Properties LLC

(850) 502-9900

Listed by Taylor Allen Properties LLC · View on Broker Site

MLS# 994642· Source: listhub· Updated 116 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.

940 Highway 98, Destin, FL 32541

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