Destin · Buildings
Destin Condo Buildings
Our building-level coverage of Destin: verified HOA and rental-policy notes, amenities, and live inventory for each tower.
Buying a Condo in Destin
Destin's Gulf-front condo corridor along Old Highway 98 and Emerald Coast Parkway is one of the densest concentrations of vacation-rental-ready towers in Florida, and that density changes how a condo purchase should be evaluated here compared to a quieter market. Because so much of the building stock along this stretch went up between the late 1970s and the mid-1990s, buyers are now running directly into Florida's post-Surfside condo safety requirements: associations for buildings three stories and taller must complete a milestone structural inspection once the building reaches the statutory age threshold, and pair it with a structural integrity reserve study that dictates how much the association has to fund for roofs, load-bearing walls, waterproofing, and other structural components. In a corridor this old, asking for the building's most recent milestone inspection report and reserve study before writing an offer is not optional diligence, it is one of the most important documents in the file. Rental performance is the other half of the Destin equation. The city's zoning is broadly permissive for short-term rentals, which is exactly why Destin condos draw investor buyers from across the country, but permission lives at two levels: the City of Destin's zoning district and the individual condo association's own rules, which can add minimum-stay lengths, rental caps, or owner-occupancy requirements the city itself does not impose. A unit that qualifies for nightly rentals under the zoning map can still be blocked by an association vote the following year, so buyers should read the declaration of condominium, not just the city code. Flood exposure is a related consideration: nearly every Gulf-front tower here sits in a FEMA VE or high-risk AE flood zone, which drives both the cost and the required carry of flood insurance, and lenders will ask for the building's flood certificate before closing. Wind mitigation matters too. Destin's windstorm insurance premiums are among the highest in the state, and buildings that can document hurricane-rated openings, reinforced roof-to-wall connections, and a current wind mitigation inspection typically carry lower master-policy premiums, savings that flow straight into the monthly HOA dues every owner pays.
Showing all 73 condo buildings
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11 places- Cabana ClubCondo building · Gulf-front · 30 units · Built 1985Live MLS listings and recorded sales history for Cabana Club, a condominium in Destin, Okaloosa County.
- Canal PlaceCondo building · Built 1984Live MLS listings and recorded sales history for Canal Place, a condominium in Destin, Okaloosa County.
- Capri by the GulfCondo buildingTwenty-four separately titled 1956 lots at 3100 Scenic Highway 98 in Crystal Beach, four of which reach the mapped shoreline while the other twenty stand between about 137 and 263 feet back from it.
- Caribbean DunesCondo building · 53 units · Built 1997Live MLS listings and recorded sales history for Caribbean Dunes, a condominium in Destin, Okaloosa County.
- Century Park WestCondo building · 90 units · Built 1972Live MLS listings and recorded sales history for Century Park West, a condominium in Destin, Okaloosa County.
- Chateau La MerCondo building · 58 units · Built 1977Live MLS listings and recorded sales history for Chateau La Mer, a condominium in Destin, Okaloosa County.
- Coral Reef ClubCondo building · Gulf-frontLive MLS listings and recorded sales history for Coral Reef Club, a condominium in Destin, Okaloosa County.
- Crystal DunesCondo building · Gulf-frontLive MLS listings and recorded sales history for Crystal Dunes, a condominium in Destin, Okaloosa County.
- Crystal SandsCondo building · Gulf-frontOne 1995 condominium name covering two separate three-level buildings at 3184 and 3290 Scenic Highway 98 in Destin, together holding 85 residences on 4.82 acres in Crystal Beach.
- Crystal ShoresCondo building · 69 units · Built 1993A single-street plat in Destin's Crystal Beach district, addressed entirely on Ocean View Drive, sitting within about 400 feet of the Gulf yet mapped Zone X and left just landward of the state's coastal construction control line.
- Crystal VillasCondo building · Gulf-frontLive MLS listings and recorded sales history for Crystal Villas, a condominium in Destin, Okaloosa County.
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9 places- Destin Beach ClubCondo buildingLive MLS listings and recorded sales history for Destin Beach Club, a condominium in Destin, Okaloosa County.
- Destin GulfgateCondo building · Gulf-frontLive MLS listings and recorded sales history for Destin Gulfgate, a condominium in Destin, Okaloosa County.
- Destin Harbor Resort WestCondo buildingLive MLS listings and recorded sales history for Destin Harbor Resort West, a condominium in Destin, Okaloosa County.
- Destin on the GulfCondo building · Gulf-front · 42 units · Built 1983A 42 residence building at 600 Gulf Shore Drive completed in 1983, laid out seven to a level over six occupied levels on a 2.16 acre parcel that meets the Gulf and is crossed by the state coastal construction control line.
- Destin SandsCondo building · 20 units · Built 1981Live MLS listings and recorded sales history for Destin Sands, a condominium in Destin, Okaloosa County.
- Destin TowersCondo building · Gulf-frontA slender 1984 beachfront tower at 1008 Highway 98 East, sixteen levels tall with only three residences on most of them, on a deep 2.35-acre lot that runs from the highway to the Gulf.
- Destin Yacht ClubCondo building · 52 units · Built 1984A 1984 tower at 320 Harbor Boulevard on Old Pass Lagoon, the sheltered reach commonly called Destin Harbor, where the county roll carries 52 condominium parcels addressed from the second level to the twelfth.
- Dolphin PointCondo buildingA 1976 property on a point of land in Old Pass Lagoon at 30 Moreno Point Road, seven levels in three stacks, with 120 residences filed across about 4.8 acres.
- Dunes of DestinCondo building · 65 unitsSixty-five homesites on Sandprint Circle, Sand Dune Court and Sandprint Drive in Destin, built from 1994 onward, where the beach is reached not from any house lot but across a 9 acre parcel held by the homeowners association.
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5 places- East Pass TowersCondo buildingTwo Holiday Isle phases eleven years apart at 100 and 110 Gulf Shore Drive, six levels and seven, 102 residences in all, with the property line running to the East Pass rather than to the Gulf.
- Emerald DunesCondo building · Gulf-frontLive MLS listings and recorded sales history for Emerald Dunes, a condominium in Destin, Okaloosa County.
- Emerald Grande at HarborWalk VillageCondo building · Built 2007Full-service resort condominiums rising directly above HarborWalk Village on Destin harbor, with the marina's docks below, balcony views over the harbor, East Pass, and Gulf, and a county parcel roll recording most of the address as timeshare rather than whole ownership.
- Emerald TowersCondo building · Gulf-frontA gated gulf-front condominium on US Highway 98 in central Destin: one 15-story tower holding 82 county-recorded residences that run from studios through three bedroom plans, with a seasonally heated pool on the Gulf side, tennis courts, and a fitness center.
- EnclaveCondo buildingLive MLS listings and recorded sales history for Enclave, a condominium in Destin, Okaloosa County.
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5 places- Grand Caribbean EastCondo building · 38 units · Built 1995A 1995 three-story building at 3291 Scenic Highway 98 in Crystal Beach, holding 38 residences on a 1.38 acre parcel that the flood map places entirely outside the special flood hazard area.
- Grand Caribbean WestCondo building · 41 units · Built 1994A 41 unit condominium at 3191 Scenic Highway 98 in Crystal Beach, recorded at 1994 construction on about 1.4 acres, its unit numbers running across three levels beside a separately recorded sister condominium.
- Grand HarborCondo building · 47 units · Built 2000A tower completed in 2000 at 662 Harbor Boulevard on Old Pass Lagoon, holding 47 residences across ten addressed levels on a 2.50 acre site the flood map divides in two.
- Grand MarinerCondo building · Gulf-frontThree 1980s buildings at 1100 Highway 98 East in east Destin, filed as separate phases in 1981, 1982 and 1983, whose parcel lines run past the mapped shoreline onto the beach beside Sterling Sands.
- Gulf TerraceCondo building · Built 1973A 1973 condominium community at Highway 98 and Airport Road in central Destin, where 216 residences sit across 27 separate buildings on gated grounds built around a lake, three pools and tennis courts.
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5 places- Harbor LandingCondo buildingTwo 2006 phases at 725 Gulf Shore Drive, eleven levels and ten, with 82 residences on about 4.7 acres whose northern boundary is the Old Pass Lagoon shoreline and the Gulf roughly 500 feet south.
- Harbor LightsCondo building · 39 units · Built 2007A 2007 building at 211 Durango Road holding 39 residences, its 2.01 acre parcel meeting Old Pass Lagoon on the harbor side of Holiday Isle, with nothing addressed at ground level.
- Harbor Place TownhomesCondo building · 54 units · Built 2023A 2023 townhome plat on Renea Cove and Redbird Loop in west Destin, where 54 attached lots and one shared parcel of roughly 1.8 acres make up the recorded subdivision.
- Henderson LoftsCondo building · 54 units · Built 2018A 2018 condominium at 100 Matthew Boulevard in Destin holding 54 residences and 3 commercial units across four addressed levels, on a single parcel of about eight tenths of an acre mapped entirely in FEMA Zone X.
- Holiday Surf & Racquet ClubCondo building · Gulf-front · 166 units · Built 1975A 1975 building on Holiday Isle whose parcel line is the shoreline itself, holding 166 residences across seven addressed levels on a 5.25 acre site at 510 Gulf Shore Drive.
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4 places- Indian LakeCondo building · Built 1999A community north of Emerald Coast Parkway with a Destin address and an unincorporated Okaloosa County location, pairing a 287-unit condominium on Dancing Cloud Court with four platted phases of detached houses built between 1996 and 2003.
- Inlet Reef ClubCondo building · Gulf-front · 114 units · Built 1982A 1982 building on the Gulf beach next door to Holiday Surf, where the county's own header record states the total as 114 units, set on 4.88 acres with nineteen residences on each of six addressed levels.
- Inn at Crystal BeachCondo building · Gulf-frontA 1997 beachfront building at 2996 Scenic Highway 98, recorded as Summerchase Condominium, where 55 residences share the property with seven separately titled commercial units.
- Island HomeCondo buildingLive MLS listings and recorded sales history for Island Home, a condominium in Destin, Okaloosa County.
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2 places- Jade East TowersCondo building · Gulf-front · 88 units · Built 1996A single Gulf-front high-rise on US Highway 98 East in central Destin, holding 88 residences in five repeating stacks plus three penthouses under one association, with covered ground-floor parking its recorded declaration guarantees to every owner.
- Jetty EastCondo building · Gulf-front · 198 unitsA gated Gulf-front midrise on Holiday Isle, 198 residences across one through four bedroom plans, which its association calls the most westerly Gulf front condominium in Destin and places steps from the East Pass.
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2 places- Magnolia HouseCondo building · 66 units · Built 1986A 1986 building of 66 residences at 480 Gulf Shore Drive, its 0.39 acre parcel a separately recorded plat adjoining Destin Pointe rather than sitting inside it, about a quarter mile from both the Gulf and East Pass.
- MarbellaCondo building · 69 units · Built 2006A 2006 condominium of 69 residences at 770 Harbor Boulevard in Destin, addressed across nine levels on a single 2.15 acre parcel that the county's own mapping stops short of the harbor water.
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4 places- Palm Street TownhomesCondo buildingA recorded townhouse plat in western Destin carrying 66 lots and one common parcel on about 4.9 acres, none of which the county roll has yet assigned an actual year built.
- Palms of DestinCondo buildingA resort condominium at 4201 Indian Bayou Trail in Destin, north of Highway 98, with three pools and a splash pad, courts for tennis, basketball, and indoor pickleball, and a complimentary seasonal beach shuttle.
- Pelican Beach ResortCondo building · Gulf-front · 339 units · Built 1998A Gulf-front condominium at 1002 Highway 98 East in central Destin, holding 339 county-platted residences in a structure the county property appraiser dates to 1998, with a sister building carried beside it on the same county record.
- Poolside VillasCondo building · 30 units · Built 1985Live MLS listings and recorded sales history for Poolside Villas, a condominium in Destin, Okaloosa County.
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13 places- Sandpiper CoveCondo buildingA gated 43-acre resort spread low across Holiday Isle grounds at 775 Gulf Shore Drive, with a 9-hole par 3 golf course, five pools, lighted tennis courts, and floor plans from studios to three bedrooms.
- SeafarerCondo building · Gulf-front · 29 units · Built 1989Live MLS listings and recorded sales history for Seafarer, a condominium in Destin, Okaloosa County.
- Shoreline TowersCondo building · Gulf-front · 249 units · Built 1976Five separately recorded condominiums under one name, 249 units built across 1976, 1981 and 1983 at two different street addresses, where three of the five stand on ground that reaches the Gulf and the coastal flood line divides the buildings from one another.
- Sides Moreno PointCondo building · 44 units · Built 2004A 2004 condominium of 44 residences at 5 Calhoun Avenue in Destin, on a single 2.63 acre parcel whose boundary is the edge of Choctawhatchee Bay, with the residences addressed across levels two through seven.
- Silver Beach TowersCondo building · Gulf-frontTwo beachfront towers in central Destin, East and West, each carrying its own condominium association on the state's records, with one amenity set listed for the whole property: pools, hot tubs, a tennis court, and 650 feet of beachfront.
- Silver DunesCondo building · Gulf-front · 98 unitsA gulf-front Destin address at 1030 Highway 98 East, recorded as two condominium phases under one name, whose four-floor profile sets it apart on a block of towers.
- Silver Shells Beach ResortCondo building · Gulf-frontGulf-front resort on the 31 acres its own site claims beside Henderson Beach State Park in Destin, its island-named towers sharing a 7,500 square foot lagoon pool and more than 1,000 feet of private beach.
- South Bay by the GulfCondo building · Gulf-front · 109 units · Built 1974A 1974 condominium of 109 residences at 940 Highway 98 East in Destin, recorded over two parcels, the larger of which the county's mapping carries all the way to the Gulf shoreline while the smaller one never reaches the water.
- St Martin Beachwalk VillasCondo building · 40 units · Built 1993Four separately recorded condominiums of ten units each at 1006 Highway 98 East, built in 1993 and 1994, standing three levels tall behind two resort properties that hold the frontage.
- Sterling SandsCondo building · Gulf-frontA 1994 beachfront condominium at 1080 Highway 98 East in Destin, holding 110 residences on eight levels across a 4.48-acre parcel whose boundary runs to the Gulf.
- Sterling ShoresCondo building · Gulf-front · 160 units · Built 2001Gulf-front condominium in Destin holding 160 county-platted residences, with a 4,300 square foot lagoon pool in the gardens and a private beach club pool at the sand.
- Sun King TowersCondo building · 44 units · Built 1982Live MLS listings and recorded sales history for Sun King Towers, a condominium in Destin, Okaloosa County.
- SunDestin Beach ResortCondo building · Gulf-front · 279 units · Built 1984SunDestin Beach Resort: 279 residences on the Okaloosa County Property Appraiser's platted count, inside a 1984 gulf-front tower at 1040 Highway 98 East whose owners' association Florida has carried on its corporate rolls since that same year.
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5 places- Terrace at Pelican BeachCondo building · 94 units · Built 1999A 1999 condominium tower at 970 Highway 98 East in Destin, where the county records 94 residences across fifteen levels numbered up to sixteen with no thirteenth, alongside a single commercial unit, on a parcel that stops about 613 feet short of the Gulf.
- The AegeanCondo building · Gulf-front · 80 units · Built 1975A 1975 condominium of 80 residences at 520 Gulf Shore Drive on Holiday Isle, on a 6.03 acre parcel whose boundary is the Gulf shoreline and which FEMA maps entirely inside the special flood hazard area, with Old Pass Lagoon under 250 feet behind it.
- The IslanderCondo building · Gulf-front · 127 unitsA seven level condominium at 502 Gulf Shore Drive on Holiday Isle, recorded in two phases of 1981 and 1984 under one continuous roofline, where the shoreward phase holds the frontage and the coastal high hazard flood line reaches only that half.
- Tides Of DestinCondo building · Gulf-frontLive MLS listings and recorded sales history for Tides Of Destin, a condominium in Destin, Okaloosa County.
- TuscanyCondo building · 45 unitsA four-plat neighborhood of 45 house lots on Tuscany Drive, Mantero Way and Trovare Street near Destin's eastern edge, where a single 3.17 acre common parcel accounts for more than two fifths of the recorded ground.
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2 places- ValenciaCondo building · 60 units · Built 1973A 1973 building of 60 residences at 151 Calhoun Avenue on Destin's bay shore, ten to a level over six levels, on a 3.00 acre parcel that meets Choctawhatchee Bay and sits more than a mile from the Gulf.
- Villa CoyabaCondo building · Gulf-frontA four-level 2006 building at 3016 Scenic Highway 98 holding 34 residences on about 2.1 acres of Crystal Beach shoreline, crossed twice by the state's coastal construction line.
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Local Answers
Destin Condo Buying FAQ
Do all Destin condo buildings allow short-term rentals?
No. Zoning permits short-term rentals across most of Destin, but each condominium association layers its own rules on top: minimum-stay lengths, rental caps, or owner-occupancy periods that the city itself does not require. Always read the declaration of condominium and the association's current rental policy before assuming a unit can be rented nightly.
What is a milestone inspection and does it apply to Destin condos?
Florida law requires condo buildings three stories or taller to undergo a milestone structural inspection once they reach the statutory age trigger, then again on a set schedule after that. Because much of Destin's Gulf-front stock dates to the 1970s through the 1990s, many buildings here have already crossed that threshold. Ask for the most recent milestone inspection report and the association's structural integrity reserve study before making an offer.
Are Destin condos in a flood zone?
Most Gulf-front and harbor-adjacent buildings in Destin sit in a FEMA VE or high-risk AE flood zone, which means flood insurance is effectively required for any financed purchase. Confirm the building's flood zone designation and elevation certificate early, since it affects both insurability and closing costs.
How does wind mitigation affect a Destin condo purchase?
Destin's windstorm insurance costs are among the highest on the Panhandle, and a building's wind mitigation inspection, covering roof-to-wall connections, opening protection, and roof shape, can materially change the master insurance premium the HOA passes through in dues. Ask the association for its current wind mitigation report and recent master policy renewal terms.
Which Destin building fits your numbers?
HOA fees, rental caps, insurance history - we compare buildings side-by-side before you buy.