Emerald Coast Condo Map
Gulf Front

Cabana Club

3450 Scenic Hwy 98, Destin, FL 32541

Okaloosa County · Crystal Beach

By Josh Parish, Founding Editor · Updated 08/28/2026

Cabana Club is a Gulf-Front building in Destin, FL, built in 1985, standing 4 stories with 30 condos. Short-term rentals are allowed and sale prices fall in the $550K–$1.2M band.

1985
Built
30
Units
4
Stories
Gulf Front
Frontage
Allowed
Rentals
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Closest by car: private Gulf-front beach; grocery — Whole Foods Market (0.7 mi); town center — Destin Commons (1.0 mi); hospital — Ascension Sacred Heart Emerald Coast (6.4 mi); airport — Destin-Fort Walton Beach Airport (VPS) (11 mi).

Customary Use
Customary Use

Cabana Club sits right on the Gulf. Along this coast, the wet sand below the mean high-water line is always open to the public. Where a beach has been rebuilt with public money, that open stretch can reach farther up, to a marked Erosion Control Line. The dry sand in front of it is private, with no public-use ruling on record. Reflects the public record as of June 2026.

How customary use works on the Emerald Coast →

County and court records. Editorial assessments are the author's own. Not legal advice.

Geographic Overlays
Geographic Overlays
FEMA flood zone (parcel): VE, X
FIRM panel: 12091C0493J, effective 03/09/2021
Base flood elevation: 16 ft
Coastal Barrier Resources System (CBRS): Outside all three
Coastal Construction Control Line (CCCL): Landward
Evacuation zone: B
Critically eroded shoreline: Critical. Florida DEP designates the eastern Destin shoreline (R39 to R50) as critically eroded — the state's term for a beach where erosion now threatens buildings, roads, parks or habitat. A restored beach keeps that designation so it stays eligible for state money to maintain it. This stretch is a beach restoration project, built in 2007. The nearest point of that stretch sits about 900 feet from this building.
Structural Integrity Reserve Study (SIRS): Complete — on file with DBPR
Source: Florida DBPR SIRS Reporting Database (D7) — pre-July-2025 + July-2025-and-after lists, searched 2026-07-31 · as of 07/31/2026
Source: FEMA NFHL (https://hazards.fema.gov/arcgis/rest/services/public/NFHL/MapServer) layer 28 Flood Hazard Zones — flood zone, SFHA and base flood elevation; layer 3 FIRM Panels — FIRM panel and effective date. USFWS/USGS CBRS Mapper (https://gis1.wim.usgs.gov/server/rest/services/CBRSMapper/CoastalBarrierResourcesSystem/MapServer) layer 3 CBRS Units — CBRS status. Florida DEP (https://ca.dep.state.fl.us/arcgis/rest/services/OpenData/COASTAL_ENV_PERM/MapServer) layer 2 Coastal Construction Control Lines — CCCL position; layer 3 Coastal Critical Erosion Areas — critically eroded shoreline, read against FDEP's Critically Eroded Beaches in Florida, August 2025, in which Okaloosa and Walton were last revised June 2014. Florida DEM (https://services.arcgis.com/3wFbqsFPLeKqOlIK/ArcGIS/rest/services/Evacuation_Zones_20230608/FeatureServer) layer 12 Evacuation_Zones_20240226, last edited 2024-02-26 — evacuation zone. · as of 2026-07-27
Milestone inspection: Milestone Inspection (Phase I) completed 04/2024; Phase II inspection not required.
Source: City of Destin Building Department (public records) · as of 04/03/2024
County parcel record
Cabana Club — Parcel parcel record
Parcel08/20/2026Okaloosa County · FDOR 2025 · Esri/Maxar
Cabana Club — Block parcel record
Block08/20/2026Okaloosa County · FDOR 2025 · Esri/Maxar
Cabana Club — Area parcel record
Area08/20/2026Okaloosa County · FDOR 2025 · Esri/Maxar
Association & Recorded Documents
Association: The Cabana Club of Destin Owners' Association, Inc.
Declaration: Declaration of Condominium for Cabana Club recorded 02/01/1985 (instrument #797407)
Use Rules
Minimum rental term: No minimum lease term; permanent or transient occupancy permitted.
Common Questions

Can you rent short-term at Cabana Club?

Yes. No minimum lease term; permanent or transient occupancy permitted. The declaration is the property's recorded rulebook, filed in the county records. Source: Okaloosa County official records, instrument #797407.

Has Cabana Club filed a structural integrity reserve study?

Yes. A structural integrity reserve study is a state-required engineering study of a building's big-ticket parts and the money set aside to replace them. Cabana Club is listed complete and on file with the Florida Department of Business and Professional Regulation. Source: Florida DBPR SIRS Reporting Database, searched 07/31/2026.

What is the owners association at Cabana Club, and when was its declaration recorded?

The association of record is The Cabana Club of Destin Owners' Association, Inc. Recorded declaration: Declaration of Condominium for Cabana Club recorded 02/01/1985 (instrument #797407). Source: Okaloosa County official records.

The Buyer's Intelligence Report

Get the Buyer's Intelligence Report

What the report covers: HOA financials, milestone and SIRS status, insurance, comps, and county records — compiled in one place for Cabana Club.

Prepared and delivered by Josh Parish, Emerald Coast Acquisitions · Destin, Florida. Access requires a signed buyer-broker agreement.

Building facts verified against the County Property Appraiser parcel records. Editorial assessments, metrics, and vibe are the author's own.