Emerald Coast Condo Map
Inland

Island Home

485 Gulf Shore Dr, Destin, FL 32541

Okaloosa County · Holiday Isle

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

Island Home is a building in Destin, FL, built in 1984, standing 3 stories with 18 condos. Short-term rentals are allowed and prices fall in the <$500K band.

1984
Built
18
Units
3
Stories
Inland
Frontage
Allowed
Rentals
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Closest by car: public beach access — O'Steen Public Beach Access (0.4 mi); grocery — Publix - Destin (1.0 mi); town center — HarborWalk Village (0.9 mi); hospital — Ascension Sacred Heart Emerald Coast (12 mi); airport — Destin-Fort Walton Beach Airport (VPS) (8.1 mi).

Geographic Overlays
Geographic Overlays
FEMA flood zone (parcel): AE, X
FIRM panel: 12091C0488J, effective 03/09/2021
Base flood elevation: 8 ft
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 09/2024; Phase II inspection not required.
Source: City of Destin Building Department (public records) · as of 09/23/2024
County parcel record
Island Home — Parcel parcel record
Parcel08/20/2026Okaloosa County · FDOR 2025 · Esri/Maxar
Island Home — Block parcel record
Block08/20/2026Okaloosa County · FDOR 2025 · Esri/Maxar
Island Home — Area parcel record
Area08/20/2026Okaloosa County · FDOR 2025 · Esri/Maxar
Association & Recorded Documents
Association: Island Home Condominium Association, Inc.
Declaration: Declaration of Condominium recorded 05/31/1984, OR Book 1245 Page 1350 (instrument #762325)
Use Rules
Minimum rental term: No minimum lease term; short-term rental expressly permitted.
Common Questions

Can you rent short-term at Island Home?

Yes. No minimum lease term; short-term rental expressly permitted. The declaration is the property's recorded rulebook, filed in the county records. Source: Okaloosa County official records, instrument #762325.

Has Island Home 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. Island Home 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 Island Home, and when was its declaration recorded?

The association of record is Island Home Condominium Association, Inc. Recorded declaration: Declaration of Condominium recorded 05/31/1984, OR Book 1245 Page 1350 (instrument #762325). 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 Island Home.

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.