Emerald Coast Condo Map
Gulf Front

Coral Reef Club

2708 E Hwy 98, Destin, FL 32541

Okaloosa County · Henderson

By Josh Parish, Founding Editor · Updated July 27, 2026

Coral Reef Club is a Gulf-Front building in Destin, FL, built in 1985, standing 3 stories with 49 condos. Short-term rentals are allowed, recent sale prices fall in the $675K–$900K band, and on-site amenities include a pool.

1985
Built
49
Units
3
Stories
Gulf Front
Frontage
Allowed
Rentals
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Geographic Overlays
FEMA flood zone (parcel): VE, X
Base flood elevation: 18 ft
Coastal Barrier Resources System (CBRS): Outside all three
Coastal Construction Control Line (CCCL): Seaward
Evacuation zone: B
Source: FEMA NFHL FIRM; USFWS/USGS CBRS; FDEP CCCL & Critically-Eroded (COASTAL_ENV_PERM); FDEM Evac (KYZ 2024-07-02) · as of 2026-07-27
What's Here
  • Pool
  • Elevator
  • Short-term rentals allowed
Location & Anchors
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Closest by car: private Gulf-front beach; grocery Publix - Destin Commons (0.5 mi); town center Destin Commons (0.7 mi); hospital Ascension Sacred Heart Emerald Coast (7.4 mi); airport Destin-Fort Walton Beach Airport (VPS) (11 mi).

Customary Use

Coral Reef 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.

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 Coral Reef 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.