Destin ยท Buildings
Destin Condo Buildings
Our building-level coverage of Destin: verified HOA and rental-policy notes, amenities, and live inventory for each tower.
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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 78 condo buildings
Holiday Isle
9 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.
- Harbor LightsCondo building ยท 39 units ยท 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.
- Holiday Surf & Racquet ClubCondo building ยท Gulf-front ยท 166 units ยท 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.
- Island HomeCondo building ยท 18 units ยท Built 1984Island Home is an 18-unit condominium at 485 Gulf Shore Drive in Destin, Okaloosa County, with every unit recorded at 700 square feet and 1984 construction.
- Jetty EastCondo building ยท Gulf-front ยท 198 unitsJetty East's association calls it the most westerly Gulf-front condominium in Destin. The six-floor midrise on Holiday Isle sits beside the East Pass, with covered and uncovered parking, tennis and pickleball courts, and a beach pavilion reached by boardwalk. Onsite rental services operate here, and the terms an owner rents under are written in the recorded declaration.
- Poolside VillasCondo building ยท 30 units ยท Built 1985At 300 Gulf Shore Drive in Destin, Okaloosa County, Poolside Villas holds 30 condominium units, each recorded at 840 square feet and built in 1985.
- 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.
- The AegeanCondo building ยท Gulf-front ยท 80 units ยท 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 ยท Gulf-front ยท 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.
Crystal Beach
7 places- 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.
- Crystal SandsCondo building ยท 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.
- Grand Caribbean EastCondo building ยท 38 units ยท 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 ยท 41 units ยท 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.
- Inn at Crystal BeachCondo building ยท Gulf-frontThe Inn at Crystal Beach in Destin mixes 55 residences with seven titled commercial units. Okaloosa County files the 1997 Gulf-front building as Summerchase Condominium, on 3.25 acres along Scenic Highway 98. Its declaration has to divide costs and votes between those two portions, something a purely residential neighbor never has to do.
- Kokomo KoveCondo building ยท 26 units ยท Built 1990A 26 lot plat on Kokomo Row and Sunfish Street in Destin's Crystal Beach district, built from 1990 onward on about 4.1 acres, entirely outside any special flood hazard area and about 700 feet from the Gulf.
- Villa CoyabaCondo building ยท 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.
Destin Harbor
2 places- Destin Yacht ClubCondo building ยท 52 units ยท 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.
- Emerald Grande at HarborWalk VillageCondo building ยท Built 2007Emerald Grande at HarborWalk Village is a Destin harbor resort recorded mostly as timeshare. Two towers rise above the village shops and marina, with one to four bedroom plans. The county classes 124 of 143 East tower parcels and 25 of 125 West tower parcels as timeshare, so a listing can convey an interval rather than a deeded residence.
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8 places- Cabana ClubCondo building ยท 30 units ยท Built 1985Cabana Club is a 30-home condominium from 1985 at 3450 Highway 98 East in Destin, Okaloosa County, with A, B and C unit groups numbered across four levels.
- Canal PlaceCondo buildingCanal Place sits at 445 Gulf Shore Drive in Destin, Okaloosa County, and joins a 16-unit condominium phase with 14 homes on their own parcels.
- Caribbean DunesCondo building ยท 53 units ยท Built 1997Caribbean Dunes is a 53-unit Destin condominium in Okaloosa County, built in 1997 as two phases at 73 Shirah Street and 71 Woodward Street.
- Century Park WestCondo building ยท 90 units ยท Built 1972Century Park West is a 90-unit Destin condominium in Okaloosa County, built in 1972 at 3857 Indian Trail Drive and zoned Medium Density Residential - Village.
- Chateau La MerCondo building ยท 58 units ยท Built 1977Chateau La Mer is a 58-home condominium at 3795 Scenic Highway 98 in Destin, Okaloosa County, built in 1977 and legally separate from Chateau La Mer II.
- Coral Reef ClubCondo building ยท 49 unitsCoral Reef Club is a 49-home condominium at 2708 Scenic Highway 98 East in Destin, Okaloosa County, built in two phases, 1985 and 1986.
- Crystal DunesCondo building ยท 38 units ยท Built 1999At 2900 Scenic Highway 98 in Destin, Okaloosa County, Crystal Dunes packs 38 condominium homes into unit numbers running from 101 up to 604.
- Crystal VillasCondo building ยท 27 units ยท Built 1984Crystal Villas, at 2850 Scenic Highway 98 in Destin, Okaloosa County, is a 27-home condominium divided into an A series of 12 and a B series of 15.
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8 places- Destin Beach ClubCondo building ยท 47 units ยท Built 1984Thirty-nine of the 47 homes at Destin Beach Club in Destin share one 840 square foot plan. The other eight measure 920, and every home dates to 1984. Records spell the street two ways, 1150 East Scenic Highway 98 on the county roll and 1150 Highway 98 East in the state registry.
- Destin GulfgateCondo building ยท Built 1993Destin Gulfgate in Destin stacks one 1,400 square foot plan six to a level. The exception, unit 1101 at 2,800 square feet, appears to absorb the missing 1102, which is why the county counts 65 homes and the state registry 66. A 1993 clearance for use would have set its milestone inspection deadline at the end of 2025.
- Destin Harbor Resort WestCondo building ยท 24 units ยท Built 1985At Destin Harbor Resort West in Destin, a home's letter, A through D, sets its floor plan. The 24 homes, numbered 2A to 7D and dated 1985, run from 1,106 to 1,520 square feet. The state registry lists the condominium as approved with a secondary status of delinquent, which the association's board can explain.
- Destin on the GulfCondo building ยท Gulf-front ยท 42 units ยท 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 ยท 20 units ยท Built 1981Destin Sands, 705 Gulf Shore Drive, Destin, Okaloosa County, is a 1981 condominium of 20 homes numbered 101 through 405 on one narrow strip.
- Destin TowersCondo building ยท Gulf-frontDestin Towers stacks sixteen levels on a strip of land about 125 feet wide in Destin. Most levels hold three of its 45 residences, on a 2.35-acre lot about 1,100 feet deep. Its 1984 county build year placed it under Florida's milestone inspection deadline of December 31, 2024, though that clock runs from the certificate of occupancy date.
- 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 ยท 65 unitsDunes of Destin is a Destin subdivision where only the association's parcel reaches the Gulf. Its 61 single family houses, built from 1994 to 2024, stand on lots that stop short of the sand, and four more lots are still vacant. Eleven lots fall partly inside Zone VE, so carrying cost and rebuilding rules change from one lot to the next.
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3 places- Emerald DunesCondo building ยท 27 units ยท Built 1995Emerald Dunes is a Destin condominium of 27 residences whose sixth level holds only two homes. Units 601 and 602 measure 2,661 square feet each; the first four levels repeat 1,223 and 1,286 square foot homes. Most of the shared 1.33-acre site lies in coastal high-hazard Zone VE at 16 feet, and each home's elevation certificate shows where it stands.
- Emerald TowersCondo building ยท 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 building ยท 60 units ยท Built 1980Enclave is a 60-residence condominium at 3655 Scenic Highway 98 in Destin, Okaloosa County, built as two phases that the county roll dates to 1980.
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4 places- Grand HarborCondo building ยท 47 units ยท 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 ยท 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 ยท 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.
- GulfshoreCondo building ยท 24 units ยท Built 1980Gulfshore is a 1980 condominium of 24 homes at 514 Gulf Shore Drive in Destin. Most of them share one 2,618 square foot plan on the county assessment.
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3 places- Harbor LandingCondo buildingHarbor Landing in Destin is two condominium phases between Old Pass Lagoon and the Gulf. Its 82 residences split unevenly: phase I holds 38 on about 3.32 acres and rises eleven levels, while phase II stacks 44 on about 1.35 acres and stops at ten. Both date to 2006, with the Gulf roughly 500 feet south.
- Harbor Place TownhomesCondo building ยท 54 units ยท 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 ยท 54 units ยท 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.
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2 places- Indian LakeCondo building ยท 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 ยท Gulf-front ยท 114 units ยท 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.
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3 places- Magnolia HouseCondo building ยท 66 units ยท Built 1986A 1986 building of 66 residences at 480 Gulf Shore Drive inside the Destin Pointe neighborhood, standing on its own 0.39 acre recorded parcel, about a quarter mile from both the Gulf and East Pass.
- MarbellaCondo building ยท 69 units ยท 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.
- MartiniqueCondo building ยท 10 units ยท Built 1996Martinique is ten matching homes of 2,496 square feet at 700 Gulf Shore Drive in Destin, each dated 1996 by the assessor and recorded in east and west pairs.
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2 places- OceaniaCondo building ยท 70 units ยท Built 1995Seventy condominium homes share the address 720 Gulf Shore Drive in Destin under the Oceania name, all dated 1995, and most of them are built on a 1,981 square foot layout.
- One Water PlaceCondo building ยท 161 units ยท Built 2007Three condominium towers on Kelly Plantation Drive near Choctawhatchee Bay, two of them rising to a recorded seventeenth level and one to a sixteenth with no thirteenth in any, holding 161 addressed residences on unincorporated county ground, with a golf course company's land lying between the buildings and the water.
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3 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 ยท Gulf-front ยท 339 units ยท 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.
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13 places- SeafarerCondo building ยท 29 units ยท Built 1989At 1700 East Scenic Highway 98 in Destin, Okaloosa County, Seafarer's 29 residences are numbered on two levels and share a 1989 roll year.
- Shoreline TowersCondo building ยท Gulf-front ยท 249 units ยท 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 ยท 44 units ยท 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.
- Signature BeachCondo building ยท 18 units ยท Built 2006Signature Beach is an 18-home condominium dated 2006 at 1816 Scenic Highway 98 in Destin. Every home falls between 3,240 and 3,300 square feet on the county assessment.
- Silver Beach TowersCondo building ยท 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 ยท Gulf-front ยท 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 ยท Gulf-frontGulf-front resort on almost 30 acres beside Henderson Beach State Park in Destin, by its owners association's count, its island-named towers sharing a 218,000 gallon lagoon pool.
- South Bay by the GulfCondo building ยท Gulf-front ยท 109 units ยท 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 ยท 40 units ยท 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 ยท 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 ยท Gulf-front ยท 160 units ยท 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 ยท 44 units ยท Built 1982Sun King Towers is a 44-home condominium on Durango Road in Destin, Okaloosa County, split between street numbers 195 and 197 and dated 1982 on the roll.
- SunDestin Beach ResortCondo building ยท Gulf-front ยท 279 units ยท 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 ยท 94 units ยท 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 UltimateCondo building ยท 21 units ยท Built 1996The Ultimate is a 1996 condominium of 21 homes at 280 Gulf Shore Drive in Destin, built in two plan sizes, 2,630 and 2,266 square feet, according to the county assessment.
- Tides Of DestinCondo building ยท 76 units ยท Built 1978Tides of Destin is a 76-home condominium at 830 Gulf Shore Drive in Destin, Okaloosa County, dated 1978 on the roll, the year its association was chartered.
- Tranquil HarborCondo building ยท 11 units ยท Built 2000Tranquil Harbor is an 11-home condominium dated 2000 at 602 Harbor Boulevard in Destin, its homes running from 1,771 to 2,571 square feet on the roll.
- TuscanyCondo building ยท 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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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.