Destin Homes under $400,000

Welcome to Destin, Florida, a jewel nestled along the stunning Emerald Coast in Okaloosa County. Known for its sugar-white sandy beaches and crystal-clear turquoise waters, Destin is a paradise for beach lovers and outdoor enthusiasts alike. This vibrant coastal town is not just about breathtaking views; it boasts a rich history, a thriving fishing community, and a plethora of recreational activities that keep both residents and visitors enchanted year-round.

If you’re dreaming of owning a piece of this coastal paradise without breaking the bank, you’re in luck! Destin offers a variety of charming homes priced under $400,000, making it an ideal destination for first-time homebuyers, retirees, or anyone looking to invest in a vacation rental. These homes often feature modern amenities, spacious layouts, and are conveniently located near local attractions, dining, and, of course, the beach!

Imagine waking up to the sound of waves crashing and the smell of salt in the air. With a budget-friendly home in Destin, you can enjoy all that the area has to offer—whether it’s a leisurely stroll along the beach, a day of fishing on the Gulf, or indulging in fresh seafood at one of the many waterfront restaurants.

Don’t miss your chance to own a slice of this coastal haven. Explore the available homes under $400,000 and start your journey to living the Destin dream today! Your perfect beachside retreat awaits!

Newest Destin Homes under $400,000

$394,630

3 Beds ⋅ 2 Baths ⋅ 1013525 MLS

Welcome to 108 Bismark Boulevard Unit 34, a new townhome at Palms Street Townhomes in Destin, Florida. This interior unit townhome is move in ready and is part of a six-townhome building. The interior has an entry hall with EVP flooring leading to an open-concept kitchen, living, and dining area. The open and spacious main level is designed for entertaining and everyday living. The kitchen serves as the culinary center with its spacious center island allowing for easy meal prep and cleanup. This townhome offers interior features such as EVP flooring throughout, quartz countertops in both the kitchen and bathrooms, white cabinetry, and an appliance package that includes a stove, microwave, and dishwasher. The first floor serves as the heart of the home, while the privacy of the second level holds all bedrooms. The main suite is a sanctuary, featuring a generous closet and an ensuite bathroom with a dual sink vanity, tile shower with glass enclosure and a linen storage area. Just down the hall from the primary bedroom are two guest bedrooms. The bedrooms are spacious and have ample closet space. There is a shared bathroom and laundry area off the additional bedrooms.

108 Bismark Blvd Unit 34, Destin

$394,630

3 Beds ⋅ 2 Baths ⋅ 1013524 MLS

Welcome to 108 Bismark Boulevard Unit 33, a new townhome at Palms Street Townhomes in Destin, Florida. This interior unit townhome is move in ready and is part of a six-townhome building. The interior has an entry hall with EVP flooring leading to an open-concept kitchen, living, and dining area. The open and spacious main level is designed for entertaining and everyday living. The kitchen serves as the culinary center with its spacious center island allowing for easy meal prep and cleanup. This townhome offers interior features such as EVP flooring throughout, quartz countertops in both the kitchen and bathrooms, white cabinetry, and an appliance package that includes a stove, microwave, and dishwasher. The first floor serves as the heart of the home, while the privacy of the second level holds all bedrooms. The main suite is a sanctuary, featuring a generous closet and an ensuite bathroom with a dual sink vanity, tile shower with glass enclosure and a linen storage area. Just down the hall from the primary bedroom are two guest bedrooms. The bedrooms are spacious and have ample closet space. There is a shared bathroom and laundry area off the additional bedrooms.

108 Bismark Blvd Unit 33, Destin

$394,630

3 Beds ⋅ 2 Baths ⋅ 1013523 MLS

Welcome to 108 Bismark Boulevard Unit 32, a new townhome at Palms Street Townhomes in Destin, Florida. This interior unit townhome is move in ready and is part of a six-townhome building. The interior has an entry hall with EVP flooring leading to an open-concept kitchen, living, and dining area. The open and spacious main level is designed for entertaining and everyday living. The kitchen serves as the culinary center with its spacious center island allowing for easy meal prep and cleanup. This townhome offers interior features such as EVP flooring throughout, quartz countertops in both the kitchen and bathrooms, white cabinetry, and an appliance package that includes a stove, microwave, and dishwasher. The first floor serves as the heart of the home, while the privacy of the second level holds all bedrooms. The main suite is a sanctuary, featuring a generous closet and an ensuite bathroom with a dual sink vanity, tile shower with glass enclosure and a linen storage area. Just down the hall from the primary bedroom are two guest bedrooms. The bedrooms are spacious and have ample closet space. There is a shared bathroom and laundry area off the additional bedrooms.

108 Bismark Blvd Unit 32, Destin

$350,000

2 Beds ⋅ 2 Baths ⋅ 1013444 MLS

Welcome to this stunning 9th floor unit at the Palms of Destin!, this beautifully remodeled condo captures breathtaking views of the Gulf and spectacular sunsets from its private balcony. Turnkey short-term rental ready with all newer appliances and furniture, this unit delivers the perfect combination of luxury, comfort, and resort-style living! Furnished to perfection in a contemporary coastal style, this unit would also make for a great, hassle free 2nd home. Offered fully furnished and rental-ready with established rental history. The Palms of Destin is a resort destination all its own. At the heart of this tropical paradise is an impressive 11,000 sq. ft. lagoon-style swimming pool featuring waterfalls & bridges throughout a lush 2-acre oasis. Additional aquatic amenities include a hot tub, heated children's pool, and interactive splash fountain. The surrounding lounge areas invite relaxation with refreshments from the on-site restaurant, bar, and coffee house! don't miss out on this little slice of paradise.

4207 Indian Bayou Trl Unit 2906, Destin

$369,000

3 Beds ⋅ 3 Baths ⋅ 1013371 MLS

Welcome to Harbor Place, a convenient West Destin community where coastal living meets everyday convenience. This well-maintained 3-bedroom townhome offers a comfortable layout, modern finishes, and a location close to everything that makes Destin such a desirable place to call home. The first floor features an open living area with plenty of windows and natural light, creating an inviting space that flows easily into the dining area and kitchen. The kitchen offers quartz countertops, a generous center island, and ample workspace, making it both functional and ideal for entertaining. A half bath is also located on the main level. The 9-foot ceilings, recessed lighting, and luxury vinyl plank flooring throughout give the home a clean, contemporary feel without the upkeep of carpet. Upstairs, you'll find three bedrooms along with the laundry room for added convenience. The primary bedroom offers a private retreat complete with a walk-in closet and ensuite bathroom featuring two vanities and a walk-in shower. Two additional bedrooms provide flexibility for family, guests, an office, or whatever fits your lifestyle, and share a full bath. The washer and dryer are included. Enjoy outdoor living from the covered rear deck, which overlooks a more private portion of the community with no townhome directly behind this residence. A covered front porch provides another welcoming outdoor space, while ample guest parking throughout Harbor Place makes having company easy. Location is one of the highlights here. You're less than a mile from popular dining, coffee shops, breweries, playgrounds, and HarborWalk Village, with Destin's beautiful Gulf beaches just a short drive away. Hurlburt Field is approximately 12 miles away, Eglin Air Force Base is approximately 13 miles, and Destin-Fort Walton Beach Airport is approximately 15 miles. The property is located in Flood Zone X, and flood insurance is not required. Short-term rentals are not permitted within the community, making Harbor Place a great option for those looking for a primary residence or longer-term investment in the heart of West Destin.

7 Renea Cv, Destin

$339,000

2 Beds ⋅ 2 Baths ⋅ 1013352 MLS

Welcome to your waterfront getaway! This beautifully remodeled 2-bedroom, 2-bath condo offers the perfect combination of comfort, relaxation, and coastal living. Enjoy stunning bayfront surroundings from the comfort of your home, including a spacious Florida room that provides an ideal spot to relax, entertain, or take in the peaceful views. Step outside and enjoy an exceptional waterfront lifestyle with a community pool, clubhouse, and dock complete with a fish cleaning station and benches for fishing. Whether you're an avid angler, love being on the water, or simply want a quiet place to unwind, this property offers it all. Located in a quiet setting, this condo provides a peaceful retreat while putting you close to the water and all the recreational opportunities that come with waterfront living. Move-in ready and thoughtfully remodeled, this is a wonderful opportunity to own your own piece of paradise! AC AGE: 2023 HOTWATER HEATER AGE: 2019

3857 Indian Trl Unit 115, Destin

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

$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

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

$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

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

$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

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