Shelter Cove Estates Homes for Sale

Living in Shelter Cove Estates

Two county parcel series carry the Shelter Cove Estates name in Santa Rosa Beach, and they rest on different paper. Series 24-2S-21-42310 holds 42 parcels, Block A lots 4 through 45, whose legal text cites the Revised First Increment plat at Plat Book 5, page 8. That plat was filed on June 8, 1976, draws Choctawhatchee Bay along its eastern edge, and labels a strip beside the bay a projected recreation area that is not part of the plat. A 2018 deed for Lot 34 uses the same name. Series 24-2S-21-42311 holds 36 parcels under the wording unrecorded Second Increment. A deed for Lot 12 uses that label and measures from a corner of Lot 11 in Section 24 that it ties to the Santa Rosa Plantation plat at Plat Book 2, page 4, and 22 of the 36 county legal descriptions refer to a Lot 11 corner. A shared neighborhood name does not show that both groups carry the same plat or obligations.

Use codes show why the groups should not be blended. The first has 24 single-family parcels, 3 coded mobile home and 15 vacant. The second has 24 single-family, 10 vacant, one non-profit-service parcel and one coded site improvement. In the 2026 statewide roll, 26 of the 78 parcels show no building, and the 52 that do were built from 1987 through 2025, with living areas from 1,133 to 5,026 square feet.

County acreage differs by group as well. Of the 42 first-increment parcels, 39 are recorded between .20 and .27 acre, mostly near .23, and three run .37 to .42. Of the 36 second-increment parcels, 27 are recorded between .24 and .27 acre, one at .20 and eight from .30 to .76 acre.

Street names are a trap here. The 1976 plat names Bay Shore Drive and Bonito, Dolphin, Marlin, Pompano, Sailfish and Swordfish Courts. County address points on the first-increment parcels today sit on Shelter Cove Drive, Bonita, Dolphin and Marlin Courts, Bahia Vista Drive and Las Roblas Grande Drive, and those on the second increment sit on Shelter Cove Drive and Cobia, Dorado, Nautilus and Starfish Courts. Because the plat and today's map name the roads differently, tie a deed to its parcel through the lot number and series. In the county street file only Shelter Cove Drive carries a County maintained entry; the six courts it lists have none.

County maps put all 78 parcels outside any municipality, inside the Residential Preservation district (Ordinance 2018-29), and clear of every adopted planning overlay area. Point Washington State Forest's boundary runs against lots 1 through 5 of the Second Increment on the state managed-areas map as the county holds it. Whether an owners association governs either group is not established here: the one similarly named nonprofit on the state registry lists a management address in Ormond Beach, and nothing loaded ties it to this plat.

Flood hazard ground is the sharpest split. Reading FEMA's map by how much of each lot's drawn ground each zone covers, 36 of the 78 parcels are clear of special flood hazard areas, 16 are crossed by a Zone AE boundary at a base flood elevation of 7 feet, and 26 lie wholly inside Zone AE (7 or 8 feet) or Zone VE (10 feet). Each increment has 18 clear parcels, and the bay-edge lots 38, 39 and 43 through 45 are the ones that reach Zone VE. For a specific property, compare the legal description, parcel series and flood zone before using another Shelter Cove address as a comparison.