luxury houses with terrace for sale Okaloosa County, United States

Located less than 200 feet from the sugar-white sands of the Gulf and moments from a public boat dock, this beautifully updated townhome on Okaloosa Island presents a rare opportunity to enjoy refined coastal living with exceptional investment appeal. Thoughtfully renovated throughout, the residence pairs timeless beachside charm with modern functionality in one of the Emerald Coast’s most desirable waterfront communities. Inside, a freshly painted interior introduces a bright and inviting atmosphere, enhanced by coastal-inspired tones, shiplap detailing, and durable luxury vinyl plank flooring that extends throughout the main living spaces. The open-concept design seamlessly connects the living, dining, and kitchen areas, creating an effortless setting for gathering and entertaining. The kitchen is well-appointed with white cabinetry, generous prep space, and a full suite of appliances designed to support both everyday living and extended beach stays. Upstairs, three spacious bedrooms and two full baths offer comfortable accommodations for residents and guests alike. The private primary suite serves as a peaceful retreat, complete with tranquil water views and a beautifully updated ensuite bath. Additional shiplap accents and calming coastal finishes continue throughout the upper level, reinforcing the home’s relaxed yet elevated aesthetic. Outdoors, a private fenced courtyard extends the living experience with a spacious deck, cozy fire pit area, and newly planted palm tree that creates a lush, welcoming backdrop for outdoor dining or evenings under the stars. Recently repainted front and rear decks further enhance the property’s curb appeal. Recent improvements include a new shingle roof, coastal-grade HVAC system, updated electrical panel, renovated bathrooms, and modern fixtures throughout. Offered fully furnished with smart TVs in every room, private parking, and no HOA fees, the property is positioned for immediate enjoyment and strong rental performance. With unmatched proximity to the beach, boating access, local dining, shopping, and transit, this turnkey residence offers the ideal combination of lifestyle, convenience, and long-term value on Okaloosa Island.

This extraordinary nine-bedroom estate offers a rare blend of architectural presence and resort-style amenities with commanding views of the Gulf and a serene coastal lake. Positioned directly across from a sprawling beach access, the home captures sweeping vistas of sugar-white sand and emerald waters from multiple levels, while the rear elevation opens to a tranquil tropical lake backdrop creating a truly unique experience. Extensively renovated and professionally designed, the residence spans approximately 6,000 square feet combining lasting quality with refined coastal style. Designed for both luxury living and exceptional rental performance, the home comfortably accommodates large groups with seven private suites and two expansive bunk rooms thoughtfully integrated into a highly functional floor plan. The first level is tailored for entertaining and guest privacy, featuring two king suites, two oversized bunk rooms with custom queen-over-queen accommodations, a shared bath, laundry area, and a secondary living space with wet bar that opens seamlessly to the pool deck. Outdoors, a resort-style heated pool anchors the experience, complemented by a covered summer kitchen, bar seating, and ample lounge space overlooking the lake ideal for gathering after a day at the beach. The second level serves as the heart of the home, where an expansive open-concept living, dining, and kitchen area is framed by panoramic Gulf views and extends onto a generous covered balcony. The chef’s kitchen is equipped with premium appliances, custom cabinetry, a large center island, and walk-in pantry, designed to accommodate both everyday living and large-scale entertaining. Two additional guest suites with private baths complete this floor, along with convenient access to the outdoor living areas below. The top level features three well-appointed bedrooms, including dual primary suites with private balconies, spa-inspired bathrooms, and elevated Gulf views. A third king suite and additional laundry complete the level, offering comfort and privacy for owners and guests alike. A commercial-grade elevator services all floors, ensuring effortless accessibility throughout. Additional highlights include multiple indoor and outdoor living areas, surround sound, ample parking for up to eight vehicles including a two-car garage, and strong income-producing potential in a highly sought-after coastal corridor. With its commanding presence, thoughtful design, and unparalleled proximity to the beach, this exceptional property represents a rare opportunity to own a true legacy home along Scenic Highway 98.

Welcome to 4821 Ocean Boulevard, a beautifully crafted 2022 home in the exclusive Gulf-front gated community of Destiny by the Sea—one of Destin’s most prestigious beachfront neighborhoods. Positioned on a desirable corner lot just one block from the beach, this thoughtfully designed residence is filled with natural light, added privacy, and Gulf views that enhance the coastal setting. As you enter the home, the first floor offers a versatile flex living space ideal for a secondary lounge or home office, along with a full bathroom and a guest bedroom. Just outside, the heated private pool with a tranquil waterfall feature creates a peaceful outdoor retreat, while the garage is finished with durable epoxy flooring for both function and style. The second floor serves as the heart of the home, where an open-concept kitchen, dining, and living area are filled with light and coastal finishes. The customized kitchen is equipped with a KitchenAid refrigerator, induction cooktop, ice maker, and dual-zone wine refrigerator, creating a space that is equally suited for everyday living and entertaining. A powder bath and balcony on this level create the perfect place to unwind after a day at the beach. Upstairs, the third floor hosts a guest bedroom with an en suite bath and the stunning primary suite. Here, Gulf views extend into the spa-like primary bathroom, where a soaking tub is perfectly positioned to take in the water. Dual vanities, a walk-in shower, and thoughtful finishes complete this serene retreat. Destiny by the Sea enjoys gated entry with security, a community pool, and private beach access just steps away. Beyond the gates, you are minutes from Destin Commons, the Destin Harbor, and beloved local dining spots including The Crab Trap, Camille’s, and Sando's Beachside Café. Whether you are seeking a primary residence, second home, or legacy beach getaway, 4821 Ocean Boulevard offers the rare opportunity to own a nearly new home in a premier coastal community where quality, location, and lifestyle come together effortlessly.

Welcome to an exceptional beachside retreat in the heart of Destin, where coastal luxury meets effortless income potential. Perfectly positioned with 78 feet of lake frontage and sweeping Gulf views, this remarkable residence is just steps from the sugar-white sands of the Gulf of Mexico and a short stroll to a sprawling beach access. The first level is designed for recreation and seamless indoor-outdoor living, featuring a spacious game room complete with a pool table, arcade games, and a convenient kitchenette with full-size refrigerator and ice maker. Multiple guest suites and bunk accommodations offer flexibility for large groups, while direct access leads to a true backyard oasis. The outdoor space lives like a private resort, highlighted by a beautifully designed pool with Baja shelf and spa, expansive sundeck, and tranquil lake views. A covered outdoor living area with a full kitchen, grill, beverage cooler, fireplace, and mounted TV creates the perfect setting for entertaining or unwinding after a day at the beach. A thoughtful feature includes an elevator servicing all three levels. The second level serves as the heart of the home, where an open-concept layout seamlessly connects the kitchen, dining, and living areas. A chef’s kitchen anchored by an oversized island and premium appliances flows into a grand dining space accented with vaulted Pecky cypress ceilings and designer lighting, ideal for hosting large gatherings. The living room is filled with natural light and opens to a spacious balcony overlooking the pool and lake with direct access to the pool deck, adding convenience and extending the living space outdoors. Additional guest suites on this level provide comfort and privacy, with select rooms offering private balcony access. The third level offers a more private retreat with an additional living area and multiple well-appointed king suites, each with en suite baths. Select bedrooms feature soaking tubs and private balconies capturing glimpses of the Gulf, while additional bunk accommodations ensure ample space for guests. At the top, a rooftop viewing deck provides a breathtaking vantage point, where sunsets over the Gulf create an unforgettable daily experience. Offered fully furnished and turnkey, this expansive residence comfortably accommodates up to 28 guests and is ideally suited as both a legacy second home and a high-performing short-term rental. This is a rare opportunity to own a property that truly captures the essence of Destin living, blending scale, luxury, and an unbeatable location into one extraordinary offering.

Exceptional beachside retreat in the heart of Destin’s Crystal Beach offering direct Gulf views from every level and public beach access directly across the street. Positioned just off the Gulf, this six-bedroom custom home captures sweeping water views while providing easy walkability to the beach, dining, and shopping. Meticulously maintained and not currently on a rental program, the home is in exceptional condition and offers flexibility for a primary residence, second home, or investment opportunity. Designed for comfort and privacy, each bedroom features its own ensuite bathroom, making it ideal for hosting guests or maximizing rental potential. Multiple covered balconies face the Gulf, creating seamless indoor-outdoor living and front-row sunset views. The oversized homesite offers ample parking along with a private south-facing pool and spa, perfect after a day on the beach. Located in one of Destin’s most desirable beachside neighborhoods, this property combines direct Gulf views, immediate beach access, and exceptional condition in a prime central location.

This stunning five-bedroom, four-bathroom home with a three-car garage is located in the serene Emerald Bay Golf Club community and is just moments from the clubhouse and neighborhood amenities. A creamy Greek villa stucco exterior, an eight-foot wood front door, and tiled porches make a perfect place to enjoy your morning coffee. As you step into the home, you are met with picturesque fairway views. The main living space features a triple sliding glass door that leads to a screened porch with a custom outdoor kitchen, ideal for indoor-outdoor living and entertaining. Spend evenings in front of the beautiful fireplace, surrounded by seaglass and shiplap detailing. The formal dining room showcases custom millwork throughout, offering an inviting space for hosting family dinners. The spa-like master bathroom boasts a shimmering blue herringbone accent tile, along with dual vanities. With its functional single-story layout, modern fixtures/ finishes, and desirable golf course setting, this home offers a well-balanced blend of style, comfort, and location within Emerald Bay.

Welcome to your new oasis nestled in the coveted community of DESTINY, one of Destin's most sought after gated beachfront neighborhoods in Crystal Beach. This beautifully refreshed home offers the perfect blend of coastal charm, comfort, and location. Nestled just steps from the sugar-white sands and emerald waters of the Gulf, this home is ideal as a primary residence, second home, or investment property - short term rentals are allowed and the community has a primary residence feel. Enjoy the relaxed luxury lifestyle that Destiny is known for, with beautifully maintained surroundings, a massive community seasonally heated pool and hot tub, tennis, pickleball, basketball, fitness center, and a community event space available for resident use. Step outside the gates to the adjacent bike/pedestrian path and James Lee Park, providing a spacious gulf front beach, amble parking, restrooms, restaurant, and more. This location is unbeatable, close to dining, shopping, and entertainment in Destin. Step inside this lake front retreat and check out the beautiful water views from every level. The first floor features an oversized two stall garage with ample room for your vehicles, toys, and golf cart plus room for storage. On this level you will find two lakefront bedrooms, one to include an ensuite bath, full bath, and a bonus space. The second level is defined by dramatic lake views and a beautiful chef's kitchen equipped with ample counter space, granite countertops and exceptional natural light. The living area is located adjacent to the kitchen and offers ample space for entertaining as well as a tranquil two-sided fireplace with direct access to a balcony to enjoy the sunset lake and gulf views. The oversized primary suite offers privacy and space with an ensuite bathroom complete with a large walk-in closet, dual vanities, oversized tub and walk in shower. The third floor offers an additional living space giving the home a five bedroom feel complete with a full wet bar that opens onto the newly upgraded Duradek rooftop sun deck overlooking the lake and gulf views. Whether you're spending the day at the beach, entertaining friends and family, or simply enjoying the coastal breeze from home, 101 Vista Bluffs captures the essence of Destin living. Don't miss this opportunity to own in one of the area's premier beach side communities. Pictures just don't do it justice. Call your favorite agent today to see it for yourself. * Fresh paint * 2026 HVAC * Tankless Water Heater * 2026 metal tile roof *

Nestled just one block from the sugar-white sands of Destin's iconic Crystal Beach, this beautifully updated 5-bedroom, 3.5-bath coastal retreat blends laid-back luxury with serious investment appeal. Located in the highly sought-after Crystal Beach, this home comfortably accommodates up to 10 guests and offers a 1-car garage plus an oversized driveway with parking for 5 additional vehicles, a rare and valuable find this close to the Gulf. Whether you're searching for a primary residence, second home, or high-performing vacation rental, this property checks every box. Rental revenue reached an impressive $140.6K in 2025 and $140.4K in 2024, demonstrating consistent income performance and strong guest demand year after year. The true showstopper? The backyard oasis. Designed for unforgettable gatherings and effortless relaxation, the fully fenced outdoor space features a heated saltwater pool, hot tub, cabana bar, covered patio, outdoor shower, and two upper-level decks creating multiple spaces to unwind after a sun-soaked beach day. Inside, the first floor offers 4 spacious bedrooms with flexible sleeping arrangements (2 queens, 1 full, and twin bunks), including one private en suite and two bedrooms with direct patio access. Durable tile flooring keeps things stylish and low-maintenance, perfect for beach living. Upstairs, the second level is made for entertaining. Vaulted ceilings and hand-milled walnut flooring anchor the expansive living room, while the gourmet kitchen is a chef's dream featuring a Wolf gas range and hood, two Sub-Zero refrigerators, granite countertops, wine fridge, and custom cabinetry. French doors lead to a large deck overlooking the backyard, while a second deck off the kitchen reveals a vine-covered pergola and fountain reminiscent of wine country charm, an unexpected and delightful escape. The entire third floor is dedicated to the luxurious primary suite, offering privacy and space to recharge. Enjoy a private balcony and a spa-inspired bath complete with a jetted tub, walk-in tile shower, and dual vanities. A Sonos sound system throughout the home ensures the perfect soundtrack for every occasion. Beach access couldn't be easier, located just 0.2 miles from both The Shore at Crystal Beach Park and Shirah Beach Access, and within 3 miles of four public access points, including the soon-to-be-completed Tarpon Beach Gulf Front Park, which will add 340 feet of public beach frontage prior to the 2026 tourism season. Beyond the beach, you're minutes from local favorites like Henderson Beach State Park, Destin Commons, Silver Sands Premium Outlets, Big Kahuna's Water and Adventure Park, and Whole Foods Market. Fun, functional, and financially compelling, this Crystal Beach gem delivers the ultimate blend of coastal lifestyle and investment potential.

Experience refined, single-level living in the gated golf community of Regatta Bay. This 5-bedroom lakefront home offers spacious gathering areas and private retreats, including two home offices and a formal living room. Enjoy seamless indoor-outdoor living with a screened lanai overlooking the lake and accessible from multiple rooms. The chef's kitchen features granite countertops, stainless steel appliances, gas cooktop, wine refrigerator, warming drawer, breakfast bar, and center island. The primary suite is a peaceful escape with lake views, private office, dual closets, and a spa-like bath with soaking tub and walk-in shower. As a part of the Regatta Bay community, this home offers more than just a place to live, it delivers a lifestyle. Regatta Bay is a gated, master-planned neighborhood known for its beautifully maintained grounds, top-tier amenities, and unbeatable central Destin location. Residents enjoy access to a championship golf course, resort-style pool, tennis courts, walking trails, and a private clubhouse. Just minutes from the sugar-white beaches of the Emerald Coast, as well as premier dining, shopping, and entertainment, Regatta Bay combines convenience with a sense of privacy and exclusivity that's hard to match.

Located in the exclusive Tops'l Beach & Racquet Resort, this furnished 3BR/3.5BA townhouse offers exceptional versatility as a primary residence, second home, or short-term rental investment. The first-floor primary suite provides privacy and convenience, while the spacious 2-car garage with fresh epoxy flooring offers ample room for bikes, beach gear, and organized storage. One of only 22 units in this intimate enclave, owners enjoy a private pool and walkable access to the fitness center and tennis courts. Upstairs features its own living area, creating a separate retreat ideal for family or guests. Tops'l amenities include 600' of beach frontage, a full fitness club, 14 tennis courts, racquetball, pools, steam/sauna, whirlpool, on-site dining and bar, tennis pros, and gated security.

Waterfront living in the heart of Destin's popular Indian Bayou neighborhood! This expansive 5-bedroom, 3.5-bath waterfront home with a bonus room offers the perfect blend of coastal lifestyle, boating convenience, and an unbeatable central location. With 3,100 square feet of thoughtfully designed living space, the home features an open floor plan filled with natural light and designed for both relaxing and entertaining. The heart of the home is a large open kitchen with granite countertops that flows seamlessly into the dining and living areas, ideal for gathering with family and friends after a day on the water. Indian Bayou is known for being family friendly with established homes, low HOA fees, and a highly convenient location, making it one of Destin's most desirable neighborhoods. The owner's suite overlooks the water, offering peaceful views, a generous ensuite bathroom, and access to outdoor living space. Four additional bedrooms plus a bonus room provide plenty of flexibility for guests, family, or a home office. 2 spacious side-by-side guest bedrooms on the 1st level could be combined for a secondary primary suite on the ground level. Step outside to your private waterfront oasis, complete with a saltwater pool with a new liner, covered patio, and private dock with boat slip. The deep water frontage allows for quick boating access to Choctawhatchee Bay and approximately a 15-minute ride to the Gulf through Destin's East Pass, with Crab Island, the Destin Harbor, and world-class fishing right at your fingertips. A huge garage that can fit an RV is an added plus. One of the standout features of this home is its exceptional location. From Indian Bayou you can golf cart to the beach while also being just minutes from HarborWalk Village, Destin Commons, championship golf courses, local restaurants, shopping, and some of the best family amenities along the Emerald Coast. The result is coastal living with boating, beaches, and the Destin lifestyle all within reach.

Welcome to your next beach side beauty! 4621 Paradise is a coastal retreat nestled in the heart of Destin, Florida. This stunning 5-bedroom home has the perfect blend of luxury and comfort. Prime Location: Check, Situated just a .4 mile pedestrian friendly commute to the pristine white sands and emerald waters of the Gulf, this community provides unparalleled access to James Lee Beach. Spacious Living: Check, Designed to accommodate up to 17 guests, the residence has two primary suites-one conveniently located on the main floor.

Welcome to 4049 Indian Bayou North, priced below appraised value, this is a completely reimagined waterfront residence where luxury, comfort, and the Florida lifestyle converge. This home has undergone a custom renovation with no surface untouched. Every detail-from refined finishes to state-of-the-art upgrades-has been curated to deliver an elevated living experience. Located along a quiet, deepwater canal, the property offers direct boating access to Choctawhatchee Bay. Near the end of this tranquil road, enjoy limited pass-through traffic. A private dock with covered boat and jet ski lifts plus an industrial-grade KillerDock cleaning station make it ideal for water enthusiasts. Inside, the open layout includes 5 spacious bedrooms, 4 full and 1 half bathrooms,a dedicated office, a chef's kitchen with Viking appliances, and a gorgeous saltwater pool with lounger and baja shelf just outside. The open-concept living and dining areas are anchored by a sleek gas fireplace and custom shiplap detailing, with wide-plank luxury flooring running throughout. Step through the back door into an outdoor oasis designed for entertaining. The covered lanai features dual oversized ceiling fans, lighting, and a full outdoor kitchen with built-in gas grill, hood vent, sink, refrigerator, and custom cabinetry. The pool includes a tanning ledge, lighting, and paver decking framed by lush landscaping and privacy fencing. Beyond the pool is a backyard putting green with chipping zones and a real sand trap, enhanced by accent lighting for evening ambiance. The detached guest house includes a private living room, wet bar, half bath, and separate entrance - ideal for a mother-in-law suite or office. Additional features include a Generac generator, irrigation, landscape lighting, tankless water heater, and plantation shutters. The oversized garage accommodates vehicles, water toys, and storage. No HOA restrictions, yet nestled in a peaceful, upscale neighborhood near beaches, golf, and shopping. Recently added full yard water softener and 30 amp shore power at the dock.

Experience refined waterfront living on Rocky Bayou in Niceville, where architectural elegance and coastal luxury come together in this to-be-built custom residence. Offering 3,255 square feet of thoughtfully designed living space, this home is crafted to capture the beauty, serenity, and prestige of its exceptional bayfront setting. The home's open-concept design is enhanced by expansive windows and carefully positioned living spaces that frame sweeping, unobstructed views of the entire bay. Multiple outdoor living areas-including a covered waterfront patio and an upper-level balcony-provide the perfect setting for morning sunrises, evening sunsets, and tranquil bay breezes. Designed with both sophistication and comfort in mind, the residence features three bedrooms, three and a half bathrooms, and a private residential elevator, offering seamless access between levels and an added layer of convenience and long-term livability. High ceilings, generous living areas, and a flowing floor plan create an atmosphere ideal for both intimate gatherings and elegant entertaining. For boating enthusiasts, this property delivers direct deep-water access with no fixed bridges, allowing effortless travel to Choctawhatchee Bay, Destin Harbor, Crab Island, and the East Pass leading into the Gulf of America. A private dock offers immediate access for boating, paddleboarding, or simply enjoying life on the water. From an investment perspective, this is a rare new-construction waterfront offering in one of the area's most desirable bayou settings. The combination of modern construction, premier water access, and timeless coastal design ensures enduring appealwhether as a primary residence, luxury retreat, or investment opportunity.