# 940 E Highway 98 #32, Destin, FL 32541 > **TL;DR:** 3bd/3ba townhouse, $425,000 ($330/sqft), built 1974, 1,289 sqft. > A/C. Est. $3,133/mo. Listed 231 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $425,000 | | Price/sqft | $330 | | Bedrooms | 3 | | Bathrooms | 2 full, 1 half | | Square Feet | 1,289 | | Year Built | 1974 | | Stories | 2 | | Property Type | Townhouse (Townhouse) | | Status | Active | | Days on Market | 231 | ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $2,149 | | Estimated Insurance | $124 | | HOA | $860 | | **Total** | **$3,133** | ## Nearby Schools - **Elementary:** Destin - **Middle:** Destin - **High:** Fort Walton Beach ## Key Amenities - A/C ## Property Highlights - Built in 1974 - 2 stories ## Description ### Agent Description Welcome to South Bay by the Gulf. Check out this beautifully maintained end unit townhome in the South Bay by the Gulf community in the heart of Destin, Florida. This 1,289 sq ft townhome is 3-bedroom, 2.5-bath unit offers an ideal opportunity as a full-time or second home, or short-term vacation rental. It is being sold FULLY FURNISHED. Positioned on 14 acres, this family-friendly community stretches from Highway 98 to the Gulf. Enjoy 300 feet of private, deep white sand beach along a low-density shoreline. Enjoy the many resort style amenities of South Bay including: 2 pools, 2 kiddie pools, 5 acre fresh water lake, lighted tennis/pickleball courts, shuffle board courts, beach side volley ball, BBQ grilling area and lush grounds made for walking and enjoying the Florida wildlife! ## Location - **Address:** 940 E Highway 98 #32, Destin, FL 32541 - **County:** Okaloosa - **Neighborhood:** SOUTHBAY BY THE GULF - **Coordinates:** 30.384767, -86.478144 - **Google Maps:** https://www.google.com/maps?q=30.384767,-86.478144 ## Listing Agent - **Name:** Nicole H Rattler · **License:** 3490151 - **Brokerage:** EXP REALTY LLC - **Broker Phone:** (888) 883-8509 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/940-Highway-98-E-Unit-32_Destin_FL_32541_M65986-56600?f=listhub&s=ECARMLSFL&m=997786&c=propsimple) ## Photos ![940 E Highway 98 #32 - Photo 1](http://lh.rdcpix.com/222b45cf389adcc3c2696c7165ff0507l-f4033412557r.jpg) ![940 E Highway 98 #32 - Photo 2](http://lh.rdcpix.com/222b45cf389adcc3c2696c7165ff0507l-f1160460053r.jpg) ![940 E Highway 98 #32 - Photo 3](http://lh.rdcpix.com/222b45cf389adcc3c2696c7165ff0507l-f4175669821r.jpg) ![940 E Highway 98 #32 - Photo 4](http://lh.rdcpix.com/222b45cf389adcc3c2696c7165ff0507l-f1382759554r.jpg) ![940 E Highway 98 #32 - Photo 5](http://lh.rdcpix.com/222b45cf389adcc3c2696c7165ff0507l-f2129648068r.jpg) ![940 E Highway 98 #32 - Photo 6](http://lh.rdcpix.com/222b45cf389adcc3c2696c7165ff0507l-f1458472770r.jpg) ![940 E Highway 98 #32 - Photo 7](http://lh.rdcpix.com/222b45cf389adcc3c2696c7165ff0507l-f161012921r.jpg) ![940 E Highway 98 #32 - Photo 8](http://lh.rdcpix.com/222b45cf389adcc3c2696c7165ff0507l-f405032232r.jpg) ![940 E Highway 98 #32 - Photo 9](http://lh.rdcpix.com/222b45cf389adcc3c2696c7165ff0507l-f2133317162r.jpg) ![940 E Highway 98 #32 - Photo 10](http://lh.rdcpix.com/222b45cf389adcc3c2696c7165ff0507l-f3692934342r.jpg) ![940 E Highway 98 #32 - Photo 11](http://lh.rdcpix.com/222b45cf389adcc3c2696c7165ff0507l-f899902034r.jpg) ![940 E Highway 98 #32 - Photo 12](http://lh.rdcpix.com/222b45cf389adcc3c2696c7165ff0507l-f4031314220r.jpg) ![940 E Highway 98 #32 - Photo 13](http://lh.rdcpix.com/222b45cf389adcc3c2696c7165ff0507l-f1411364006r.jpg) ![940 E Highway 98 #32 - Photo 14](http://lh.rdcpix.com/222b45cf389adcc3c2696c7165ff0507l-f424519441r.jpg) --- **MLS#:** 997786 | **Updated:** 2026-10-22 **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://staging.propertysimple.ai/listing/940-e-highway-98-destin-fl-32541-9e075921e9ff4254ad8aabce8b40fd9b) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://staging.propertysimple.ai/listing/940-e-highway-98-destin-fl-32541-9e075921e9ff4254ad8aabce8b40fd9b#listing", "url": "https://staging.propertysimple.ai/listing/940-e-highway-98-destin-fl-32541-9e075921e9ff4254ad8aabce8b40fd9b", "name": "940 E Highway 98 #32, Destin, FL 32541", "description": "Welcome to South Bay by the Gulf. Check out this beautifully maintained end unit townhome in the South Bay by the Gulf community in the heart of Destin, Florida. 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