Financial credit of $30,000 offered for custom upgrades or rate buy-down. Golf course views from this Tuscan Mediterranean estate in the prestigious gated community of Kelly Plantation, ideally positioned along the 8th hole of the renowned Kelly Plantation Golf Club. This impressive 4-bedroom, 4.5-bath residence spans 4,256 square feet and sits over 20 feet above sea level--offering both privacy and the valuable benefit of no flood insurance required. Constructed with rare two-story cinder block and stucco construction--one of only a select few in the community--and built to withstand winds up to 135 MPH per original plans, this home delivers superior durability and peace of mind. Inside, timeless elegance meets thoughtful functionality with Venetian plaster finishes, travertine flooring, rich hardwoods, soaring coffered ceilings, granite counters, and refined architectural details throughout. The main-level primary suite offers a luxurious retreat with a spa-inspired bath, while a dedicated office with custom built-in cabinetry provides the perfect work-from-home environment. The home is CATV wired in every room, including the garage, ensuring seamless connectivity throughout. Designed for entertaining and elevated living, the property features a private wine room, elegant wet bar, and a well-appointed kitchen enhanced by a premium KitchenAid ice maker. The home is equipped with an air-conditioned oversized three-car garage and includes five mounted TVs, a built-in home theater system, counter stools, and pool furniture. A golf cart with new batteries is also included, adding convenience and lifestyle appeal. Significant system upgrades provide long-term value and efficiency, including two gas hot water heaters (recently replaced), a top-of-the-line 5-ton Amana HVAC system (still under warranty), a newer 3-ton Amana unit, and a recently installed attic dehumidifier. Outdoor enhancements include a resort-style pool with a new heater, a new saltwater system, and three updated pool pumps. The pool enclosure screen has been replaced and is engineered to be golf ball and small animal resistant. The professionally maintained grounds feature landscape lighting and a full irrigation system with a new Rain Bird controller, with HOA dues conveniently covering irrigation water costs. Additionally, a Sentricon termite protection system with transferable bond offers added peace of mind. Residents of Kelly Plantation enjoy premier amenities including championship golf, tennis, pickleball, a fitness center, resort-style pool, clubhouse, and scenic trails along Choctawhatchee Bay. Ideally located just minutes from the white-sand beaches and the shopping, dining, and entertainment of Destin Commons, this home also benefits from access to highly regarded schools within the Okaloosa County School District. This is more than a home--it's a rare opportunity to own a structurally superior, fully equipped luxury retreat in one of Destin's most sought-after golf course communities.