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Destin · Condo Building

Cabana Club Condos for Sale

Cabana 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.

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1985

Year Built

30

Total Units

Year built, floor and unit figures are as published by the sources cited at the foot of this page. Confirm them against the association's own documents during diligence.

About Cabana Club

Cabana Club shows up in county property records as 30 condominium homes at 3450 East Highway 98, Destin, each with a recorded construction year of 1985. The state's condominium registry carries the project as Cabana Club Condo, 30 units, recorded January 1, 1986, with Cabana Club Homeowners Association, Inc. as its manager of record.

Unit numbers fall into three groups. The six A units (101, 108, 201, 208, 301 and 308) show 1,150 square feet of living area on the property roll, the 22 B units show 1,110, and the two C units, 401 and 408, show 2,578. Going by the first digit of each number, levels one through three hold eight homes apiece and level four holds six: B403 through B406 and the two C units. Neither record states how many stories the building has, so no story count appears here.

On the city's planning map the Cabana Club outline falls within Destin and within the Crystal Beach Resort zoning district. Federal flood mapping gives that outline two zones: Zone VE, carrying a base flood elevation of 16 feet, across roughly two thirds of it, minimal-hazard Zone X across the rest. Neither zone says anything about the elevation of an individual home.

A 1985 start date means the 30 year mark came around 2015, well ahead of the July 1, 2022 line in Florida's milestone statute; the first structural inspection of a tall enough building, three habitable stories or more, was due before December 31, 2024. Unit numbers beginning with a 4 suggest that height, though no record loaded here states it, and the first-certification date for the building is absent too. Ask the association whether the inspection was done and what repairs followed.

HOA & Fees

What is the HOA fee at Cabana Club?

As of November 11, 2026, the 2 Cabana Club condos for sale that report a fee on the MLS list HOA fees from $1,026 to $1,108 a month, with a median of $1,067 a month. Fees vary with unit size and type, so the fee for a specific residence is the one its listing and the association state.

Based on 2 active MLS listings that report an HOA fee. Fees billed quarterly, twice a year or yearly are shown as a monthly equivalent. See the listings

Cabana Club Homeowners Association, Inc. is the name on file with the state as manager of the project. A name on a registry is not the declaration, so nothing loaded here says whether the three unit groups share costs equally or what the recorded restrictions cover. Ask for the current budget, the structural reserve study, the master insurance summary and deductibles, the milestone inspection report and the minutes that describe open projects, and ask whether any expense is allocated by unit group.

Rental Policy

Short-term rentals: allowed. Confirm the current minimum stay and registration with the association.

A Cabana Club unit used for short stays would register with the City of Destin. The city planning map places Cabana Club in the Crystal Beach Resort district. Cabana Club's district is on the FAQ list of places where such rentals are generally allowed. Registrations renew each year and do not move with a sale or a new management company. That is the city's land-use view only. The recorded declaration is a separate gate, and it could be stricter. Read it first.

Live Inventory

Active Listings at Cabana Club

Short-Term Rental Eligible

$669,900

3450 Scenic Highway 98 Unit 207

Destin, FL 32541

1 bd 1 ba 1,110 sqft
Price Reduced Gulf FrontShort-Term Rental Eligible

$569,000

3450 US-98 Unit B102

Destin, FL 32541

1 bd 1.5 ba 1,100 sqft

The short-term rental badge above is not a permission of record. It reflects the MLS short-term-rental field where a listing discloses one, and otherwise where the home sits. Confirm the association's current rules and the local registration requirement before relying on it.

Building Answers

Cabana Club FAQ

How much is the HOA fee at Cabana Club?

As of November 11, 2026, the 2 Cabana Club condos for sale that report a fee on the MLS list HOA fees from $1,026 to $1,108 a month, with a median of $1,067 a month. Fees vary with unit size and type, so the fee for a specific residence is the one its listing and the association state.

Do the county roll and the state registry agree on Cabana Club's 30 homes?

Thirty, by two independent records: the county roll's condominium parcels at 3450 East Highway 98 and the state registry's unit total. Parcel numbers carry an A, B or C prefix, on six, 22 and two homes.

Which Cabana Club units are the largest?

The two C units, 401 and 408, are recorded at 2,578 square feet of living area. The six A units are recorded at 1,150 and the 22 B units at 1,110, so most of the building is close to one size.

How much of Cabana Club sits in Zone VE?

Two zones meet this property. The larger, about two thirds of the outline, is Zone VE, whose base flood elevation is set at 16 feet; the remaining third is classed minimal hazard. Every unit is drawn on that same outline, so the map does not say which homes sit in which zone; request the elevation certificate for whichever home you are weighing.

What should a buyer ask the Cabana Club association about structural inspections?

Built in 1985, Cabana Club passed 30 years before July 1, 2022. The statute turns on height: once a building reaches three habitable stories, which the 4xx unit numbers hint at but no record states, its first milestone inspection fell due before December 31, 2024. Ask whether the phase one report was filed, whether a phase two was required, what repairs followed and how they were funded.

What construction year do county records give the Cabana Club homes?

County property records give 1985 for all 30 homes. The state registry records the condominium on January 1, 1986, which is a recording date and not a construction date.

Sources

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Destin Communities

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