Emerald Coast Condo Map
Harbor Front

Harbor House of Destin

654 Harbor Blvd, Destin, FL 32541

Okaloosa County · Destin Harbor

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

Harbor House of Destin is a Harbor-Front building in Destin, FL, built in 1985, standing 5 stories with 5 condos. Short-term rentals are allowed, sale prices fall in the $750K–$950K band, and on-site amenities include a marina, docks, and boat slips.

1985
Built
5
Units
5
Stories
Harbor Front
Frontage
Allowed
Rentals
Google Maps →Street View →
Amenities
  • —Elevator
  • —Marina
  • —Dock
  • —Boat Slip
Map
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Closest by car: public beach access — Sandpiper Cove — Dune Walkover (West) (0.6 mi); grocery — Publix - Destin (0.5 mi); town center — HarborWalk Village (1.2 mi); hospital — Ascension Sacred Heart Emerald Coast (11 mi); airport — Destin-Fort Walton Beach Airport (VPS) (8.0 mi).

Geographic Overlays
Geographic Overlays
FEMA flood zone (parcel): AE, X
FIRM panel: 12091C0488J, effective 03/09/2021
Base flood elevation: 10 ft
Coastal Barrier Resources System (CBRS): Outside all three
Coastal Construction Control Line (CCCL): Landward
Evacuation zone: B
Structural Integrity Reserve Study (SIRS): Not in the DBPR dataset (as of 07/31/2026).
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.
Florida law requires a structural integrity reserve study at least every 10 years for each residential condominium building three habitable stories or higher. Section 718.112(2)(g)1., Florida Statutes (2025).
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 03/2024; Phase II inspection not required.
Source: City of Destin Building Department (public records) · as of 03/26/2024
County parcel record
Harbor House of Destin — Parcel parcel record
Parcel08/20/2026Okaloosa County · FDOR 2025 · Esri/Maxar
Harbor House of Destin — Block parcel record
Block08/20/2026Okaloosa County · FDOR 2025 · Esri/Maxar
Harbor House of Destin — Area parcel record
Area08/20/2026Okaloosa County · FDOR 2025 · Esri/Maxar
Association & Recorded Documents
Association: Harbor House of Destin Owners Association, Inc.
Declaration: Declaration of Condominium recorded 04/25/1985, OR Book 1289 Page 1876 (instrument #808068)
Use Rules
Minimum rental term: No minimum lease term; short-term/transient rental permitted.

The Buyer's Intelligence Report

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What the report covers: HOA financials, milestone and SIRS status, insurance, comps, and county records — compiled in one place for Harbor House of Destin.

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.