Destin · Condo Building
Sterling Sands Condos for Sale
A 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.
Updated
Yes
Gulf Front
Guest rating
4.8 out of 5
From 3,764 guest reviews on Airbnb and Vrbo
Across 62 rental listings with guest reviews in Sterling Sands
- Airbnb 4.8
- Vrbo 4.8
About Sterling Sands
Sterling Sands stands at 1080 Highway 98 East, and the address is worth pinning down, because this is not the Crystal Beach end of Destin: the county's subdivision mapping puts the nearest Crystal Beach plat about two miles east, and the plats this property actually shares a line with are Silver Beach Towers and Grand Mariner Phase III. Okaloosa County's parcel roll carries one build year, 1994, on every parcel filed under the Sterling Sands condominium name, over 4.48 acres. The county's address file sorts the residences by level: twelve on the ground level and fourteen on each of the seven levels above it, 110 in all, with one further parcel recorded as an associated commercial parcel rather than a home. Frontage is not a matter of opinion here either. It is a matter of record: the county's geometry has this parcel meeting the Gulf, with a segment of Florida's coastal construction control line inside its bounds.
HOA & Fees
What is the HOA fee at Sterling Sands?
As of November 11, 2026, the 5 Sterling Sands condos for sale that report a fee on the MLS list HOA fees from $772 to $982 a month, with a median of $775 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 5 active MLS listings that report an HOA fee. See the listings
Because the county records this building at 1994 and it stands well above three stories, Florida's mandatory structural inspection law reaches it. Section 553.899 requires a milestone inspection by December 31 of the year a qualifying condominium building turns thirty, and the statute's transition language moves a building that hit thirty between July 1, 2022 and December 31, 2024 to a December 31, 2025 first deadline. Two things can shift that arithmetic, and a buyer should ask about both. The statute counts from the certificate of occupancy date rather than from the appraiser's recorded year, and the local enforcement agency is permitted to bring the clock forward to twenty-five years where nearness to salt water warrants it, which is hardly academic for a parcel that runs to the Gulf. Ask the association for the milestone report, the structural integrity reserve study, and what the board resolved to do about each.
Rental Policy
Short-term rentals: allowed. Confirm the current minimum stay and registration with the association.
Destin runs its own short-term rental registration, separate from Okaloosa County's. It must be renewed every year. Sign-up opens January 1. Late fees start after March 31. Another late fee follows after June 1. The city's zoning map places Sterling Sands in one district, and that district decides eligibility. The Sterling Sands declaration has not been checked, so what it lets owners do is unknown. Ask the association for the recorded declaration. Ask the city whether this address is registered.
What guests say about staying here
Combined Airbnb and Vrbo ratings for the vacation rentals in Sterling Sands.
4.8 out of 5
3,764 reviews across 62 reviewed listings
- Airbnb 4.8 from 579 reviews on 21 reviewed listings
- Vrbo 4.8 from 3,185 reviews on 41 reviewed listings
What Airbnb guests rate
- Cleanliness4.8
- Accuracy4.9
- Check-in4.9
- Communication4.9
- Location5.0
- Value4.8
Guests rate the location highest.
These ratings describe the vacation rentals in Sterling Sands, not any one unit for sale.
Market data by Key Data · 51 units tracked in Sterling Sands · Nov 2025 to Nov 2026
- Parcel boundary at the Gulf
- Eight residential levels
- 110 residences on 4.48 acres
- Twelve ground-level residences
- One on-site commercial parcel
Live Inventory
Active Listings at Sterling Sands

$649,000
1080 Highway 98 Unit 804
Destin, FL 32541

$639,000
1080 Highway 98 Unit 703
Destin, FL 32541

$659,000
1080 Highway 98 Unit 407
Destin, FL 32541

$655,000
1080 Highway 98 Unit 411
Destin, FL 32541

$929,000
1080 Highway 98 Unit 110
Destin, FL 32541
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
Sterling Sands FAQ
How much is the HOA fee at Sterling Sands?
As of November 11, 2026, the 5 Sterling Sands condos for sale that report a fee on the MLS list HOA fees from $772 to $982 a month, with a median of $775 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.
Is Sterling Sands part of Destin's Crystal Beach area?
No. Okaloosa County's subdivision layer places the nearest Crystal Beach plat about two miles to the east. This building stands at 1080 Highway 98 East and shares property lines with the Silver Beach Towers and Grand Mariner Phase III plats.
How many residences are there, and how are they stacked?
One hundred ten across eight levels. The county's per-unit address records show twelve on the ground level and fourteen on each level above it, plus one additional parcel titled as an associated commercial parcel rather than a residence.
Does the whole property sit in the same flood zone?
It does not. The federal flood zones crossing this parcel include velocity zones with base flood elevations of 16 feet and 18 feet nearer the water, alongside zone X inland, so where a residence sits on the property can change what an insurer quotes.
Sources
- Okaloosa County IGIS: Parcels layer, Sterling Sands Condo (accessed August 21, 2026)
- Okaloosa County IGIS: Site Address layer, 1080 Highway 98 East (accessed August 21, 2026)
- Okaloosa County IGIS: Water Bodies at this parcel (accessed August 21, 2026)
- Okaloosa County IGIS: Coastal Construction Control Line at this parcel (accessed August 23, 2026)
- Okaloosa County IGIS: FEMA flood zones over this parcel (accessed August 21, 2026)
- Florida Statutes 553.899, 2024 compilation: mandatory structural inspections for condominium buildings (accessed August 23, 2026)
- City of Destin: short term rental questions and registration (accessed August 21, 2026)
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