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Destin · Condo Building

Sides Moreno Point Condos for Sale

A 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.

2004

Year Built

7

Floors

44

Total Units

No

Gulf Front

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 Sides Moreno Point

The recorded name here includes a word the marketing usually drops. Okaloosa County carries this property as Sides Moreno Point West, one legal name over 46 parcels: 44 residences, one residential common area of 2.63 acres titled to the property's own owners association, and a header row that states the count as 44 units. Every row returns an actual year built of 2004, so there is no phase to reconcile and no vintage spread to sort. The water is the bay and the county names it. Tested against the hydrography layer, the parcel boundary and the Choctawhatchee Bay polygon share an edge rather than overlapping, which means bay frontage in the strict sense. The Gulf is a different matter entirely: it lies more than 3,000 feet away, and no segment of the state's coastal construction control line falls within 1,000 feet of the parcel, so none of the coastal permitting jurisdiction that governs the beach side of town reaches this address. Flood mapping is where a single parcel stops behaving like a single thing. Six FEMA designations cross this one 2.63 acre footprint at once. Three of them are Zone AE, inside the special flood hazard area, stepping through mapped elevations of 8, then 9, then 10 feet across the ground; a fourth is the wave-action designation, Zone VE, carrying 12 feet; a fifth is unshaded Zone X; and the sixth is a 0.2 percent annual chance band lying outside the special flood hazard area altogether. A property that is one parcel, one year, one association and one address is nonetheless six different flood positions on paper, and the practical effect is narrow and useful: a figure quoted for any one residence at this address is evidence about that residence and nothing more. The document that settles it for a specific unit is the elevation certificate written for that unit, not the map read against the property name. Height is settled here in a way it is not at older addresses nearby, though not by the attribute a reader might expect. The county's unit designators run in a 200 to 600 series plus a 700 penthouse series, with no 100 series anywhere in the file, so the residences are addressed from the second level up to the seventh and none of them at ground level. The same layer also carries a level stamp, and that stamp disagrees with its own designators: it files one of the 700 series penthouses on level 1. The designators are the sounder evidence, and the exact split of residences per level is not something this record settles. Public ground sits close by, and two of the three holdings named below can be measured to a boundary rather than to a marker. The City of Destin parcel that carries Capt Leonard Destin Park comes within about 465 feet of this property, and the parcel carrying Clement Taylor Park within about 1,245 feet. Norriego Point Beach Park, 16 acres of it, is the exception: the county's parks inventory files it as one recorded location, roughly 2,515 feet off, and no parcel sits under that location, so the park's nearest ground is somewhere closer than that figure and the record does not say how much closer.

HOA & Fees

Two obligations arrive with the height and a third with the water. Above Florida's three story mark, this building owes a milestone structural inspection, so ask for that file and for the certificate of occupancy date that started its clock, and note that a local enforcement agency may pull the clock in to 25 years where salt water proximity justifies it. Ask next for the structural integrity reserve study, which has to be redone at least every ten years and which an owner-controlled association can no longer vote its listed reserves below in any budget adopted since the end of 2024. Then ask about the bay edge, because the association holds a 2.63 acre common parcel whose boundary is the water line, and whatever bulkhead, seawall or revetment runs along it is an association cost rather than a public one.

Rental Policy

Seven addressed levels close a question that older buildings nearby leave open. Where a three-level property can argue about whether Florida's lodging safety filing reaches it, this one cannot: at seven, the periodic certificate covering exterior stairs, landings and guardrails under section 509.2112 attaches the moment the building is operated as transient lodging, and it is renewed on a three year cycle rather than obtained once. Underneath it sits the state license every transient condominium letting needs before guests arrive. Above it sits Destin's own registration, which follows the parcel's zoning district. None of that settles whether this association permits the use at all. Its declaration could not be obtained, so this page takes no position either way, and a buyer should read that document before anything else.

  • Choctawhatchee Bay forms the parcel boundary at 5 Calhoun Avenue
  • Forty-four residences, all recorded at a 2004 year built
  • Residences addressed across levels two through seven
  • Six FEMA designations crossing one 2.63 acre parcel

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Building Answers

Sides Moreno Point FAQ

Why is this building recorded as Sides Moreno Point West?

Because West is part of the legal name the county carries, not an addition by any listing service. All 46 parcels, the 44 residences plus the common area and the header row, sit under that one recorded name at 5 Calhoun Avenue, so the longer and shorter spellings describe the same property.

Does Sides Moreno Point have bay frontage?

Yes, by the strict test. The parcel boundary and the county's Choctawhatchee Bay polygon share an edge rather than overlapping. The Gulf is a separate matter: it lies more than 3,000 feet off, and no segment of the state's coastal construction control line reaches within 1,000 feet of this property.

Why would flood insurance differ between residences here?

Because six separate designations cross this one 2.63 acre footprint, so the answer belongs to the residence and not to the building name. The effective FEMA mapping lays Zone AE over parts of the parcel with mapped elevations of 8, 9 and 10 feet, Zone VE at 12 feet over another part, unshaded Zone X over a third, and a 0.2 percent annual chance band over a fourth, which falls outside the special flood hazard area. The designation over one corner of these 2.63 acres is therefore not the designation over another, and only the elevation certificate written for the specific address will tell a buyer which one applies to the unit under contract.

Sources

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