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Destin · Condo Building

Silver Dunes Condos for Sale

A 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.

Updated

Ask About Silver DunesMarket AnalyticsAll Destin Buildings

4

Floors

98

Total Units

Yes

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.

Guest rating

4.7 out of 5

From 1,898 guest reviews on Airbnb and Vrbo

Across 75 rental listings with guest reviews in Silver Dunes

  • Airbnb 4.9
  • Vrbo 4.6
See what guests rate

About Silver Dunes

Silver Dunes holds a deep, narrow rectangle of Destin beachfront at 1030 Highway 98 East: roughly 350 feet of shoreline running about 940 feet inland to the highway. Okaloosa County records the site as two condominium parcels filed under one name, 71 units built in 1973 and 27 added in 1999, for 98 residences on a little over seven acres. Four building footprints cover about a sixth of that ground, which is where the open lawn between the highway and the sand comes from. Nothing on the property rises above four floors. The subdivisions bordering this block, Silver Beach Towers, Sundestin and Jade East among them, are towers, so what sets Silver Dunes apart on this stretch is its profile: a low, horizontal building line holding full shoreline frontage on a block that otherwise built upward.

HOA & Fees

What is the HOA fee at Silver Dunes?

As of November 11, 2026, the 8 Silver Dunes condos for sale that report a fee on the MLS list HOA fees from $1,230 to $1,235 a month, with a median of $1,230 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 8 active MLS listings that report an HOA fee. See the listings

Land is the asset the Silver Dunes association protects: dune health, landscaping across the open ground, and the waterfront coverage exposure of a front-line parcel. The county record documents that exposure two ways. The state's Coastal Construction Control Line crosses the site, and federal flood mapping lays five zones across it, running from VE at the beach, where base flood elevations of 15 and 16 feet apply, through a band mapped AO at one foot, out to X and the 0.2 percent band inland. Three of those are special flood hazard areas: both VE zones and the AO band. A unit set back from the sand is therefore not automatically outside one. The county draws every unit parcel here as the whole property, so that file cannot place a particular residence in a zone; the unit's own elevation certificate can. The structural question is the material one for a 1973 building: both phases stand three habitable stories or more, the threshold the state's milestone inspection statute sets, so both fall under it, on separate clocks.

Rental Policy

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

Destin runs its own rental registration, apart from the county programs elsewhere on this coast. The city guide says any property rented for under 180 days must register, condos included. Silver Dunes units would use the condominium track. That track also asks for a Florida condominium license, a Destin business tax receipt and a resale tax certificate. Confirm which zoning district covers Silver Dunes. Ask the association what its rules say about how often guests may turn over.

What guests say about staying here

Combined Airbnb and Vrbo ratings for the vacation rentals in Silver Dunes.

4.7 out of 5

1,898 reviews across 75 reviewed listings

  • Airbnb 4.9 from 502 reviews on 19 reviewed listings
  • Vrbo 4.6 from 1,396 reviews on 56 reviewed listings

What Airbnb guests rate

  • Cleanliness4.9
  • Accuracy4.9
  • Check-in4.9
  • Communication4.9
  • Location4.9
  • Value4.8

Guests rate communication and the location highest.

These ratings describe the vacation rentals in Silver Dunes, not any one unit for sale.

Market data by Key Data · 74 units tracked in Silver Dunes · Nov 2025 to Nov 2026

  • Full shoreline frontage on the parcel
  • Four floors, on a block of towers
  • About 940 feet of depth from sand to highway
  • Two recorded phases, 1973 and 1999

Live Inventory

Active Listings at Silver Dunes

Gulf FrontShort-Term Rental Eligible

$575,000

1030 U.S. 98 Unit 45

Destin, FL 32541

2 bd 2.5 ba 1,500 sqft
Price Reduced Gulf FrontShort-Term Rental Eligible

$565,000

1030 US-98 Unit 49

Destin, FL 32541

2 bd 2.5 ba 1,492 sqft
Gulf FrontShort-Term Rental Eligible

$475,000

1030 Hwy 98 Unit 203D

Destin, FL 32541

2 bd 2 ba 960 sqft
Price Reduced Gulf FrontShort-Term Rental Eligible

$615,000

1030 U.S. 98 Unit 43

Destin, FL 32541

2 bd 2.5 ba 1,492 sqft
Gulf FrontShort-Term Rental Eligible

$289,000

1030 Highway 98 Unit 12

Destin, FL 32541

1 bd 1 ba 600 sqft
Price Reduced Gulf FrontShort-Term Rental Eligible

$467,500

1030 Highway 98 Unit 6

Destin, FL 32541

2 bd 2 ba 960 sqft
Price Reduced Gulf FrontShort-Term Rental Eligible

$599,000

1030 Highway 98 Unit PHB

Destin, FL 32541

2 bd 2 ba 960 sqft
Price ReducedShort-Term Rental Eligible

$285,000

1030 Highway 98 Unit 14

Destin, FL 32541

1 bd 1 ba 600 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

Silver Dunes FAQ

How much is the HOA fee at Silver Dunes?

As of November 11, 2026, the 8 Silver Dunes condos for sale that report a fee on the MLS list HOA fees from $1,230 to $1,235 a month, with a median of $1,230 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.

How is Silver Dunes laid out on its parcel?

As a deep, narrow rectangle: roughly 350 feet of shoreline running about 940 feet inland to Highway 98. Okaloosa County maps four building footprints covering about a sixth of the seven-plus acres, which is where the open lawn between the highway and the sand comes from, and nothing on the property rises above four floors.

Where in Destin does Silver Dunes sit?

At 1030 Highway 98 East, roughly 2.7 miles east of the East Pass. It is not on Holiday Isle, and the City of Destin lists its Holiday Isle zoning districts separately from the Crystal Beach ones, so the jetties and the harbor bridge are a drive rather than a walk. Neighboring subdivisions on this block include Silver Beach Towers, Sundestin and Jade East.

Why do listings here vary so much in age?

Because the roll records two phases beneath a single name, twenty-six years apart. Okaloosa County carries 71 units built in 1973 and 27 added in 1999, so a listing carrying the Silver Dunes name may belong to either, and the name alone will not tell you which. That matters beyond character: both phases stand three habitable stories or more and fall under Florida's milestone inspection statute, but their thirty-year clocks are 26 years apart.

Sources

Other Destin Condo Buildings

Destin Communities

Communities in This Market

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