Emerald Coast Condo Map
Inland

Indian Lake

4000 Dancing Cloud, Destin, FL 32541

Okaloosa County · Destin N 98

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

3D Flyover

Aerial 3D flyover, generated from Google Earth. Not a walk-through tour of the building.

Indian Lake is a village in Destin, FL, built in 1999, standing 3 stories with 287 condos. Short-term rentals are allowed, recent sale prices fall in the $175K–$325K band, and on-site amenities include a pool and a fitness center.

1999
Built
287
Units
3
Stories
Inland
Frontage
Allowed
Rentals
Google Maps →Street View →
Amenities
  • —Pool
  • —Fitness
Map
Showing 0 of 50Pick a group to place its pins.

Closest by car: public beach access — June White Decker Park (0.5 mi); grocery — Walmart Supercenter - Destin (0.5 mi); town center — Destin Commons (2.0 mi); hospital — Ascension Sacred Heart Emerald Coast (9.1 mi); airport — Destin-Fort Walton Beach Airport (VPS) (9.0 mi).

Geographic Overlays
Geographic Overlays
FEMA flood zone (parcel): X
FIRM panel: 12091C0489J, effective 03/09/2021
Coastal Barrier Resources System (CBRS): Outside all three
Coastal Construction Control Line (CCCL): Landward
Evacuation zone: B
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 10/2024; Phase II inspection not required.
Source: City of Destin Building Department (public records) · as of 10/01/2024
County parcel record
Indian Lake — Parcel parcel record
Parcel08/20/2026Okaloosa County · FDOR 2025 · Esri/Maxar
Indian Lake — Block parcel record
Block08/20/2026Okaloosa County · FDOR 2025 · Esri/Maxar
Indian Lake — Area parcel record
Area08/20/2026Okaloosa County · FDOR 2025 · Esri/Maxar
Association & Recorded Documents
Association: Indian Lake Homeowner's Association of Destin, Inc.
Declaration: Declaration of Condominium recorded 12/07/2005, OR Book 2671 Page 3647 (instrument #2285470)
Use Rules
Minimum rental term: No minimum lease term; residential leasing permitted.
Common Questions

What is the minimum rental term at Indian Lake?

No minimum lease term; residential leasing permitted. The declaration is the property's recorded rulebook, filed in the county records. Source: Okaloosa County official records, instrument #2285470.

Has Indian Lake 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. Indian Lake 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 Indian Lake, and when was its declaration recorded?

The association of record is Indian Lake Homeowner's Association of Destin, Inc. Recorded declaration: Declaration of Condominium recorded 12/07/2005, OR Book 2671 Page 3647 (instrument #2285470). 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 Indian Lake.

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.