Emerald Coast Condo Map
Gulf Front

Inlet Reef Club

506 Gulf Shore Dr, Destin, FL 32541

Okaloosa County · Holiday Isle Gulf

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

Inlet Reef Club is a Gulf-Front village in Destin, FL, built in 1982, standing 7 stories with 114 condos. Short-term rentals are allowed, prices fall in the <$500K–$1M band, and on-site amenities include a pool, a fitness center, gated entry, and tennis courts.

1982
Built
114
Units
7
Stories
Gulf Front
Frontage
Allowed
Rentals
Google Maps →Street View →
Amenities
  • —Pool
  • —Fitness
  • —Elevator
  • —Gated
  • —Tennis
  • —Pickleball
Map
Showing 0 of 35Pick a group to place its pins.

Closest by car: private Gulf-front beach; grocery — Publix - Destin (1.1 mi); town center — HarborWalk Village (1.1 mi); hospital — Ascension Sacred Heart Emerald Coast (11 mi); airport — Destin-Fort Walton Beach Airport (VPS) (8.3 mi).

Customary Use
Customary Use

Inlet 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.

Geographic Overlays
Geographic Overlays
FEMA flood zone (parcel): VE, AE, X
FIRM panel: 12091C0488J, effective 03/09/2021
Base flood elevation: 15 ft
Coastal Barrier Resources System (CBRS): Outside all three
Coastal Construction Control Line (CCCL): Seaward
Evacuation zone: B
Critically eroded shoreline: Critical. Florida DEP designates the western Destin shoreline (R17 to R25.5) 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. Holiday Isle got emergency sand in 2010 and the full beach restoration was finished in 2013. The nearest point of that stretch sits about 1,050 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
County parcel record
Inlet Reef Club — Parcel parcel record
Parcel08/20/2026Okaloosa County · FDOR 2025 · Esri/Maxar
Inlet Reef Club — Block parcel record
Block08/20/2026Okaloosa County · FDOR 2025 · Esri/Maxar
Inlet Reef Club — Area parcel record
Area08/20/2026Okaloosa County · FDOR 2025 · Esri/Maxar
Association & Recorded Documents
Association: Inlet Reef Club Condominium Owners' Association, Inc.
Declaration: Declaration of Condominium recorded 04/04/1982, OR Book 1150 Page 1192 (instrument #A8122166)
Use Rules
Minimum rental term: No minimum lease term; short-term/daily rental expressly permitted.
Common Questions

Can you rent short-term at Inlet Reef Club?

Yes. No minimum lease term; short-term/daily rental expressly permitted. The declaration is the property's recorded rulebook, filed in the county records. Source: Okaloosa County official records, instrument #A8122166.

Has Inlet Reef 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. Inlet Reef 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 Inlet Reef Club, and when was its declaration recorded?

The association of record is Inlet Reef Club Condominium Owners' Association, Inc. Recorded declaration: Declaration of Condominium recorded 04/04/1982, OR Book 1150 Page 1192 (instrument #A8122166). 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 Inlet 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.