Destin · Condo Building
Coral Reef Club Condos for Sale
Coral Reef Club is a 49-home condominium at 2708 Scenic Highway 98 East in Destin, Okaloosa County, built in two phases, 1985 and 1986.
49
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.
Guest rating
4.7 out of 5
From 966 guest reviews on Airbnb and Vrbo
Across 35 rental listings with guest reviews in Coral Reef Club
- Airbnb 4.9
- Vrbo 4.7
About Coral Reef Club
Coral Reef Club is one condominium project built in two stages. The state's registry lists a single project of 49 units, recorded July 22, 1985, with Coral Reef Club Owners' Association, Inc. as managing entity. The state tax-roll file splits those same 49 homes into two parcel series: 25 under phase I, built in 1985, and 24 under phase II, built in 1986. Every home is its own condominium parcel with a Destin address at 2708 East Highway 98 and a unit number from 1 to 49.
The unit numbers do not run phase by phase. Phase I holds homes 1 to 7, 16 to 24 and 33 to 41; phase II holds 8 to 15, 25 to 32 and 42 to 49. A number alone therefore does not give a home's vintage, but the legal description on the roll does. Heated area on the roll comes in three sizes: 33 homes at 820 square feet, 15 at 1,180, and one at 1,640, which is unit 1. No loaded record gives a story count or a Gulf-facing orientation, so neither is published.
FEMA's national flood layer maps most of both outlines as coastal velocity zone VE whose base flood elevation is 16 feet and a smaller part as Zone X, and the 2026-vintage place boundary from the Census Bureau puts both inside the City of Destin. By roll year the phases passed 30 years in 2015 and 2016, before July 2022. If the buildings count three or more habitable stories, which no loaded record settles, section 553.899 made a first milestone inspection due before December 31, 2024, and lets a local agency shorten the interval to 25 years because of salt water. Whether Destin has done so was not confirmed here.
HOA & Fees
What is the HOA fee at Coral Reef Club?
No Coral Reef Club condo is for sale right now. On the 2 Coral Reef Club condos sold between June 2026 and July 2026 whose MLS records state a fee, the HOA fee was $1,592 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 information from ECAR for the period June 2, 2026 through July 13, 2026. See the listings
The registry carries one managing entity for both phases, Coral Reef Club Owners' Association, Inc., so the 25 and 24 homes sit in one project record. Whether the declaration budgets the phases together or keeps separate accounts was not established, because it was not opened. The later phase II build year and the velocity-zone mapping across most of the grounds are reasons to ask the association for its master insurance summary, how deductibles are shared among owners, the latest reserve study and any milestone inspection report before comparing one phase with the other.
Rental Policy
Short-term rentals: not yet confirmed for this building.
Destin lists twelve zoning districts. Short stays are generally permitted there. The first question is which one holds the Coral Reef Club parcels at 2708. That has not been established. The city FAQ adds that registration is yearly and cannot be handed to a buyer. No one has checked the Coral Reef Club leasing terms. Treat both Coral Reef Club phases as unconfirmed until you have the declaration and the city's zoning answer. Request both before you commit.
What guests say about staying here
Combined Airbnb and Vrbo ratings for the vacation rentals in Coral Reef Club.
4.7 out of 5
966 reviews across 35 reviewed listings
- Airbnb 4.9 from 75 reviews on 3 reviewed listings
- Vrbo 4.7 from 891 reviews on 32 reviewed listings
What Airbnb guests rate
- Cleanliness4.9
- Accuracy4.9
- Check-in5.0
- Communication4.9
- Location5.0
- Value4.8
Guests rate check-in and the location highest.
These ratings describe the vacation rentals in Coral Reef Club, not any one unit for sale.
Market data by Key Data · 35 units tracked in Coral Reef Club · Nov 2025 to Nov 2026
Live Inventory
Active Listings at Coral Reef Club
Building Answers
Coral Reef Club FAQ
How much is the HOA fee at Coral Reef Club?
No Coral Reef Club condo is for sale right now. On the 2 Coral Reef Club condos sold between June 2026 and July 2026 whose MLS records state a fee, the HOA fee was $1,592 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 information from ECAR for the period June 2, 2026 through July 13, 2026.
How many residences make up Coral Reef Club's two phases?
The tax roll lists 25 homes in phase I and 24 in phase II, 49 in all, and the state registry independently lists 49 units under one project recorded on July 22, 1985. Each of the 49 is its own condominium parcel at 2708 East Highway 98.
Why do Coral Reef Club homes carry two different build years?
The roll dates phase I to 1985 and phase II to 1986. The registry shows a single 1985 recording for the project, and a roll year is not the date on a certificate of occupancy, which is what starts the milestone clock. Ask the association which date each building uses.
Which flood zone is Coral Reef Club in?
FEMA's national layer shows most of both outlines in zone VE with a 16 foot base flood elevation and a smaller part in Zone X, so one label does not fit every home. The map describes the ground, not a given home's floor height; an elevation certificate for that home settles it.
How do I tell a phase I home from a phase II home at Coral Reef Club?
By block of unit numbers. Phase I holds 1 to 7, 16 to 24 and 33 to 41; phase II holds 8 to 15, 25 to 32 and 42 to 49. The legal description on the tax roll, which reads phase I or phase II, confirms it for one home.
Sources
- Florida DBPR condominium project extract, North Florida counties (accessed October 17, 2026)
- Florida statewide cadastral, parcels at Coral Reef Club (accessed October 17, 2026)
- FEMA National Flood Hazard Layer, flood zones at Coral Reef Club (accessed October 17, 2026)
- U.S. Census Bureau TIGERweb incorporated places, 2026 vintage, Coral Reef Club (accessed October 17, 2026)
- City of Destin short term rental FAQ (accessed October 17, 2026)
- 2026 Florida Statutes, section 553.899 (accessed October 17, 2026)
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