# 940 Highway 98 #16, Destin, FL 32541

> **TL;DR:** 3bd/3ba condo, $495,000 ($384/sqft), built 1974, 1,289 sqft.
> A/C. Est. $3,507/mo. Listed 220 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $495,000 |
| Price/sqft | $384 |
| Bedrooms | 3 |
| Bathrooms | 2 full, 1 half |
| Square Feet | 1,289 |
| Year Built | 1974 |
| Stories | 2 |
| Property Type | Condo (Condominium) |
| Status | Active |
| Days on Market | 220 |

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Principal & Interest (20% down, 30-year at 6.5%) | $2,503 |
| Estimated Insurance | $144 |
| HOA | $860 |
| **Total** | **$3,507** |

## Nearby Schools

- **Elementary:** Destin
- **Middle:** Destin
- **High:** Destin

## Key Amenities

- A/C

## Property Highlights

- Built in 1974
- 2 stories

## Description

### 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 washer 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.

## Location

- **Address:** 940 Highway 98 #16, Destin, FL 32541
- **County:** Okaloosa
- **Neighborhood:** SOUTH BAY BY THE GULF
- **Coordinates:** 30.388015, -86.478686
- **Google Maps:** https://www.google.com/maps?q=30.388015,-86.478686

## Listing Agent

- **Name:** Christopher L Wooten · **License:** 3435164
- **Brokerage:** Taylor Allen Properties LLC
- **Phone:** 8505029900
- **Broker Phone:** (850) 259-2894
- **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/940-Highway-98-E-Unit-16_Destin_FL_32541_M64485-24898?f=listhub&s=ECARMLSFL&m=994642&c=propsimple)

## Photos

![940 Highway 98 #16 - Photo 1](http://lh.rdcpix.com/60354787dc5a9f55f9f1476c3160978fl-f3586332515r.jpg)

![940 Highway 98 #16 - Photo 2](http://lh.rdcpix.com/60354787dc5a9f55f9f1476c3160978fl-f2212076959r.jpg)

![940 Highway 98 #16 - Photo 3](http://lh.rdcpix.com/60354787dc5a9f55f9f1476c3160978fl-f971674485r.jpg)

![940 Highway 98 #16 - Photo 4](http://lh.rdcpix.com/60354787dc5a9f55f9f1476c3160978fl-f3961868316r.jpg)

![940 Highway 98 #16 - Photo 5](http://lh.rdcpix.com/60354787dc5a9f55f9f1476c3160978fl-f1573717930r.jpg)

![940 Highway 98 #16 - Photo 6](http://lh.rdcpix.com/60354787dc5a9f55f9f1476c3160978fl-f2441237303r.jpg)

![940 Highway 98 #16 - Photo 7](http://lh.rdcpix.com/60354787dc5a9f55f9f1476c3160978fl-f3846244741r.jpg)

![940 Highway 98 #16 - Photo 8](http://lh.rdcpix.com/60354787dc5a9f55f9f1476c3160978fl-f2075180667r.jpg)

![940 Highway 98 #16 - Photo 9](http://lh.rdcpix.com/60354787dc5a9f55f9f1476c3160978fl-f1180923140r.jpg)

![940 Highway 98 #16 - Photo 10](http://lh.rdcpix.com/60354787dc5a9f55f9f1476c3160978fl-f1863609076r.jpg)

![940 Highway 98 #16 - Photo 11](http://lh.rdcpix.com/60354787dc5a9f55f9f1476c3160978fl-f1413461927r.jpg)

![940 Highway 98 #16 - Photo 12](http://lh.rdcpix.com/60354787dc5a9f55f9f1476c3160978fl-f1754899055r.jpg)

![940 Highway 98 #16 - Photo 13](http://lh.rdcpix.com/60354787dc5a9f55f9f1476c3160978fl-f2452651381r.jpg)

![940 Highway 98 #16 - Photo 14](http://lh.rdcpix.com/60354787dc5a9f55f9f1476c3160978fl-f3302181059r.jpg)

![940 Highway 98 #16 - Photo 15](http://lh.rdcpix.com/60354787dc5a9f55f9f1476c3160978fl-f2866283515r.jpg)

![940 Highway 98 #16 - Photo 16](http://lh.rdcpix.com/60354787dc5a9f55f9f1476c3160978fl-f1558285217r.jpg)

![940 Highway 98 #16 - Photo 17](http://lh.rdcpix.com/60354787dc5a9f55f9f1476c3160978fl-f1005414481r.jpg)

![940 Highway 98 #16 - Photo 18](http://lh.rdcpix.com/60354787dc5a9f55f9f1476c3160978fl-f1555357176r.jpg)

![940 Highway 98 #16 - Photo 19](http://lh.rdcpix.com/60354787dc5a9f55f9f1476c3160978fl-f3501069153r.jpg)

![940 Highway 98 #16 - Photo 20](http://lh.rdcpix.com/60354787dc5a9f55f9f1476c3160978fl-f966433691r.jpg)

![940 Highway 98 #16 - Photo 21](http://lh.rdcpix.com/60354787dc5a9f55f9f1476c3160978fl-f3892059978r.jpg)

![940 Highway 98 #16 - Photo 22](http://lh.rdcpix.com/60354787dc5a9f55f9f1476c3160978fl-f3725094767r.jpg)

![940 Highway 98 #16 - Photo 23](http://lh.rdcpix.com/60354787dc5a9f55f9f1476c3160978fl-f4283609172r.jpg)

![940 Highway 98 #16 - Photo 24](http://lh.rdcpix.com/60354787dc5a9f55f9f1476c3160978fl-f382601821r.jpg)

![940 Highway 98 #16 - Photo 25](http://lh.rdcpix.com/60354787dc5a9f55f9f1476c3160978fl-f3381710384r.jpg)

![940 Highway 98 #16 - Photo 26](http://lh.rdcpix.com/60354787dc5a9f55f9f1476c3160978fl-f996299479r.jpg)

![940 Highway 98 #16 - Photo 27](http://lh.rdcpix.com/60354787dc5a9f55f9f1476c3160978fl-f1612360641r.jpg)

![940 Highway 98 #16 - Photo 28](http://lh.rdcpix.com/60354787dc5a9f55f9f1476c3160978fl-f1931359397r.jpg)

![940 Highway 98 #16 - Photo 29](http://lh.rdcpix.com/60354787dc5a9f55f9f1476c3160978fl-f2338603109r.jpg)

![940 Highway 98 #16 - Photo 30](http://lh.rdcpix.com/60354787dc5a9f55f9f1476c3160978fl-f801424587r.jpg)

![940 Highway 98 #16 - Photo 31](http://lh.rdcpix.com/60354787dc5a9f55f9f1476c3160978fl-f737943363r.jpg)

---

**MLS#:** 994642 | **Updated:** 2026-09-12
**Source:** listhub

*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.*

[View on PropertySimple](https://www.propertysimple.ai/listing/940-highway-98-destin-fl-32541-l994642)

---

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