Destin Homes under $400,000

Welcome to Destin, Florida, a picturesque gem nestled in Okaloosa County, renowned for its stunning white-sand beaches and emerald-green waters. Often referred to as the “Emerald Coast,” Destin is not just a vacation paradise; it’s a vibrant community with a unique blend of coastal charm and modern amenities. With a rich fishing history, this charming city offers a plethora of recreational activities, from world-class fishing to water sports, and an array of delightful dining options that cater to every palate.

For those seeking the perfect place to call home without breaking the bank, Destin offers an impressive selection of homes priced under $400,000. Whether you’re a first-time homebuyer, a growing family, or someone looking for a vacation retreat, this market has something for everyone. Picture yourself in a cozy cottage just minutes away from the beach, or a modern townhouse nestled in a friendly neighborhood, where sunsets become a daily ritual and community spirit thrives.

Living in Destin means enjoying year-round sunshine, access to pristine parks, and a laid-back lifestyle that’s hard to resist. The local schools are highly rated, making it an ideal choice for families. With various homes available at an affordable price point, now is the perfect time to discover your slice of paradise in Destin. Embrace the coastal lifestyle and make your dream of living in this beautiful city a reality! Come explore the possibilities and find your perfect home in Destin today!

Newest Destin Homes under $400,000

279 Mattie M Kelly Blvd Unit 279, Destin

$285,000

3 Beds ⋅ 3 Baths ⋅ 1013194 MLS

Discover convenient Destin living at 279 Mattie M Kelly Boulevard! Located in Old Bay Townhomes, this three-bedroom townhome offers approximately 1,543 square feet across two stories, plus a garage for parking and storage. Situated off Airport Road with easy access to Highway 98, the property puts Destin's beaches, shopping, dining, and harbor attractions within reach. Spend your days enjoying the Emerald Coast, exploring local shops, or dining at your favorite seafood restaurant before returning home. The three-bedroom layout provides flexibility for guests, a home office, or everyday living. With a central Destin location and space to make your own, this townhome is an inviting opportunity to enjoy the coastal lifestyle. Schedule your private showing today!

279 Mattie M Kelly Blvd Unit 279, Destin

Listing courtesy of REV Realty.

$365,000

1 Beds ⋅ 1 Baths ⋅ 796159 MLS

Welcome to Grand Caribbean East Unit 109 -- a ground-floor gem in Destin's coveted Crystal Beach neighborhood with up to $58K in projected annual rental income -- rental projection report available upon request. Skip the stairs and step directly from your private patio onto the pool deck, where the pool, hot tub, and grilling area are just steps away -- an effortless experience that owners and rental guests absolutely love. Built-in bunk beds maximize sleeping capacity, a key driver of short-term rental performance. Grand Caribbean East is a low-density, three-story complex offering a relaxed, intimate coastal atmosphere compared to the larger resort-style properties along the Emerald Coast. When the beach calls, it's just a short walk across the street to Pompano Beach Access or the expanding Tarpon Beach Access -- which will soon include added parking, restrooms, and a park area, a long-term value enhancer for the entire neighborhood. Fully furnished and short-term rental allowed -- Unit 109 is truly turnkey. Whether you're seeking a personal Gulf Coast retreat or a high-performing investment property, this unit delivers the ideal combination of location, access, income potential, and effortless coastal living.

3291 Scenic Highway 98 Unit 109, Destin

Listing courtesy of LPT Realty.

$228,900

1 Beds ⋅ 2 Baths ⋅ 1013196 MLS

Bayfront living--an opportunity that rarely becomes available. This beautifully updated first-floor 1-bedroom, 1.5-bath condo with a bonus room offers a turnkey opportunity in Destin, with thoughtful updates throughout and a fresh, modern feel. The condo has been fully remodeled with brand-new appliances, a new in-unit washer, new kitchen countertops, new flooring, a new bathroom vanity, and a new toilet. Located in a highly desirable bayfront setting, this first-floor residence offers the convenience of easy access with no stairs and a layout that provides more flexibility than a typical one-bedroom condo. Whether you're looking for a coastal getaway, investment property, or a place to call home, this beautifully refreshed condo is ready for immediate enjoyment. The enclosed porch adds valuable extra living space (bonus room) and offers easy walk-out access to the parking area, eliminating the need for stairs or elevators. A private storage unit is also included for added convenience. HVAC and water heater are approx. 5 years old! Residents enjoy access to a large community pool, generous parking, and a community room. Centrally located, this condo places you close to the new Publix, post office, Destin's renowned fishing harbor, and the area's iconic sugar-white beaches bringing the best of coastal living right to your doorstep.

3857 Indian Trl Unit 108, Destin

Listing courtesy of Go Coastal Realty LLC.

4080 Dancing Cloud Court, Unit 232, Destin

$289,900

2 Beds ⋅ 2 Baths ⋅ 949934 MLS

Just totally remodeled unit with all new flooring, appliances, fixtures, just repainted throughout. Well maintained complex with short walk to the beach access and proximity to shopping, entertainment and recreation. City Dog Walk Park and Recreation complex across the street. Great for an income investment or residence, solid rental hisory. City of Destin proposed Pickleball Court Complex, consisting of 12 Lighted Pickleball Courts, plus playground, basketball court, improved parking and new restrooms, along with two multi-use courts across Indian Bayou Trail from Indian Lakes. Seller intends to perform an IRC Section 1031 tax-deferred exchange and buyer will be required to cooperate in such an exchange.

4080 Dancing Cloud Court, Unit 232, Destin

Listing courtesy of Destin 1 Realty.

$369,000

1 Beds ⋅ 1 Baths ⋅ 1013098 MLS

RENOVATION-PERIOD INVESTOR OPPORTUNITY IN DESTIN POINTE Magnolia House 109 is a beautifully upgraded one-bedroom, one-bath residence featuring a designer kitchen, in-unit washer and dryer, and a private balcony overlooking lush tropical landscaping and one of the community's sparkling pools. This property comes fully furnished right down to the dishes. Located within one of Destin's premier coastal communities, Destin Pointe offers approximately 3,000 feet of beachfront, three pools, hot tubs, gated access, and a spectacular Gulf-facing infinity pool overlooking the emerald waters of the Gulf of Mexico. Magnolia House is currently undergoing an exciting modernization, See Photos: with reopening anticipated in March 2027, giving today's buyer the opportunity to purchase ahead of the building's refreshed debut. Previous Appraisal was $405,000 making Magnolia House 109 one of the most attractively priced opportunities currently available in Destin Pointe. Whether you are looking for a personal beach retreat, second home, or future vacation-rental investment, Magnolia House 109 offers an appealing combination of location, upgrades, amenities, and value. Buy ahead of the reopening and enjoy the next chapter of this Destin Pointe icon. Buyer to verify all information provided. Why Buy Now? Magnolia House is currently in the midst of an exciting transformation, with reopening anticipated in March 2027. For buyers willing to purchase during this temporary renovation period, Unit 109 presents an opportunity to secure a residence in Destin Pointe before the building's refreshed debut. The modernization of Magnolia House is expected to bring an updated coastal appearance, refreshed walkways, and a clean, modernized exterior while preserving its established location within one of Destin's most sought-after gated beach communities. For an investor or second-home buyer, the timing offers a unique advantage: purchase during the renovation period, prepare for reopening, and be positioned ahead of the 2027 spring and summer season. One of the most attractively priced opportunities currently available in Destin Pointe.

480 Gulf Shore Dr Unit 109, Destin

Listing courtesy of Bastion Realty LLC.

3191 Scenic Highway 98, Unit 314, Destin

$370,000

1 Beds ⋅ 1 Baths ⋅ 1013078 MLS

Enjoy the lovely view of the Gulf from your balcony. Beach access is just across the street. Tile floor and stylish decor make this condo a great place to vacation or $$$ rent out. Sleeps 6 thanks to the hall twin bunks and the sleeper sofa. Open floor plan and fully furnished. HVAC was replaced in July 2026 and the HWH was replaced in 2025. Seasonally heated swimming pool, hot tub, and community grill. Located on the Scenic 98 walking/bike path with many fun restaurants and attractions in the area. Buyer to verify all information.

3191 Scenic Highway 98, Unit 314, Destin

Listing courtesy of Keller Williams Realty Destin.

$344,900

2 Beds ⋅ 2 Baths ⋅ 1013047 MLS

Renovated and fully-furnished, this 2B/2B condo is steps from the beach on Destin's Holiday Isle. Brand new HVAC. Over-sized two car tandem garage offers room for vehicles and beach gear. Enjoy nearby Jetty East beaches and Norriego Point. Monthy HOA covers building insurance, water, garbage service and building maintenance. With its renovated interior, beach access and garage storage, this condo is ready to enjoy from day one. See this great investment today!

108 Gulf Winds Court, Unit 108, Destin

Listing courtesy of Northwest Florida Real Estate.

$299,000

3 Beds ⋅ 2 Baths ⋅ 1012587 MLS

Welcome to your delightful townhouse, it offers a cozy and comfortable living space, perfect for those seeking a tranquil coastal retreat. Boasting 3 bedrooms and 2 bathrooms, this remodeled home features an inviting interior with a craftsman interior style and a modern kitchen. Home includes new stainless steel appliances, new white shaker cabinets, shiplapped ceilings in living area, LED lighting, HVAC and water heater replaced 2023, and new tiled showers. Enjoy the convenience of living in the emerald beaches, shopping centers, and restaurants. With its ideal location and serene ambiance, this townhouse presents a wonderful opportunity for homeownership or as an investment property. Don't miss your chance to own a piece of paradise in beautiful Destin.

215 Ann Cir Unit UNIT 3, Destin

Listing courtesy of World Impact Real Estate.

$330,000

2 Beds ⋅ 2 Baths ⋅ 1012101 MLS

Enjoy this first floor fully furnished turnkey condo that overlooks a lush 2-acre oasis including a 11,000 sqft. lagoon pool with waterfalls and over 100 Palms trees. Within those palm trees is the lagoon pool, large hot tub, a second seasonally heated pool, a children's splash pad and vast pool deck. This condo location removes the worry of children on the balcony and competing for the elevator during high resort occupancy. The quarterly HOA payment includes all utilities, The Palms of Destin features an expansive 11,000-square-foot lagoon pool with a waterfall and spa, a children's pool, playground, and splash pad for endless family fun. Enjoy access to lighted Tennis and basketball courts, a state-of-the-art fitness center, and seasonal shuttle service to the beach. Additional amenities include covered, protected parking, an office center, and reception desk for your convenience. Association fees cover all utilities, including electricity, water, cable, internet, and local phone service, making ownership hassle-free.

4203 Indian Bayou Trl Unit 1113, Destin

Listing courtesy of Bastion Realty LLC.

500 Gulf Shore Dr Unit UNIT 306A, Destin

$310,000

1 Beds ⋅ 1 Baths ⋅ 1012450 MLS

Welcome to your slice of paradise at Jetty East in beautiful Destin, Florida! This upgraded 1-bedroom, 1-bath beach condo offers the perfect combination of coastal living, vacation enjoyment, and rental income. Thoughtfully updated and designed for comfort, this inviting retreat is ready for its next owner to begin enjoying the Emerald Coast lifestyle. A complete list of Upgrades is available as it's too much to list here. Adding to its investment appeal, the condo has an established vacation-rental presence with Exceptional 10/10 out of 293 guest reviews! This a wonderful advantage for buyers interested in continuing its rental use. Rental History is 2023- $46.137.00, 2024- $58,881.00, 2025- $48,863.00, 2026 -$39,025 ytd. (Actual gross rental income that does not include taxes and cleaning fees). Fidelity Home Warranty provided at closing. Jetty East offers the resort-style amenities beach buyers are looking for, including approximately 900 feet of beach, a spacious swimming pool and sundeck, hot tub, beachside pavilion with grills, tennis and pickleball courts, fitness room, covered parking, and more. Watch the famous Destin Harbor Fireworks from your own private balcony. Whether you're searching for a Destin vacation home, beach getaway, or investment property, this condo checks the boxes. Spend your mornings on the sugar-white sand, your afternoons by the pool, and your evenings enjoying everything Destin has to offer. Buyer to verify all details deemed important.

500 Gulf Shore Dr Unit UNIT 306A, Destin

Listing courtesy of 30A Local Real Estate.

4030 Dancing Cloud Court, Unit 351, Destin

$188,000

1 Beds ⋅ 1 Baths ⋅ 1012389 MLS

Indian Lake Unit 351 is a spacious 1BR/1BA first floor walk-out condominium in the heart of Destin. Tiled floors throughout and freshly painted (incl. ceilings), the unit has an open layout with the kitchen overlooking the dining & living area. Positioned in the more secluded section of the condo, the bedroom is spacious with a large walk-in closet. The full bath with shower/tub combo is located off the hallway. A lockable storage closet is accessed from a backside patio. A separate laundry room with a FULL-SIZE washer and dryer is adjacent to the kitchen. Unit 351 is 920 sqft, which is the larger of the two one-bedroom floorplans - and is being sold furnished. Indian Lake community facilities include a pool+sundeck, and clubhouse & fitness center. Local nearby amenities, including the Morgan Sports Center and the Destin Dog Park. Beach access via Henderson Beach State Park is just a short drive away. Shopping and dinning, including a locals' & visitors' favorite - The Back Porch restaurant - are just minutes away. Indian Lake unit 351 offers a great entry point for buyers looking to experience everything Destin is famous for. This property is eligible for VA financing. Unit 351 is a versatile property - perfect to be your fulltime residence or an investment property.

4030 Dancing Cloud Court, Unit 351, Destin

Listing courtesy of Scenic Real Estate.

$174,900

1 Beds ⋅ 1 Baths ⋅ 1012307 MLS

Prime Location-Welcome to 4070 Dancing Cloud Ct Unit 180--your opportunity to own a beautifully located condo in the heart of Destin, just minutes from the world-famous Emerald Coast beaches. This beautifully maintained 1-bedroom, 1-bath condo offers the perfect combination of comfort, convenience, and coastal living. Featuring a thoughtfully designed space, this unit provides an open and inviting layout ideal for both full-time living or as an investment property. The functional kitchen features elegant Calacatta Monaco quartz countertops that add a sophisticated coastal feel while providing a durable, low-maintenance surface. The spacious bedroom and comfortable living area create a cozy yet versatile environment. Step outside to your private balcony--ideal for morning coffee, evening unwinding, or enjoying Florida's coastal breeze. Located in the desirable Indian Lake community, residents enjoy access to a pool, clubhouse, gym, playground, and scenic outdoor areas. The community is known for its peaceful setting while still being just minutes from Destin's world-famous beaches, shopping, dining, and entertainment. Whether you're looking for a primary residence, vacation getaway, or rental opportunity, this property checks all the boxes. Want it furnished? No problem! The furnishings are available and can be included with the sale. With its prime location and strong rental potential, it's an excellent opportunity to own one in the heart of Destin!!

4070 Dancing Cloud Ct Unit 180, Destin

Listing courtesy of Horsley Real Estate Group.

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