Emerald Coast Condo Map
Bay Front

Oak Harbour

420 Oak Harbor Ln, Destin, FL 32541

Okaloosa County · Destin N 98

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

Oak Harbour is a Bay-Front building in Destin, FL, built in 1996, standing 2 stories with 12 condos. Short-term rentals are not permitted, sale prices fall in the $550K–$750K band, and on-site amenities include docks and boat slips.

1996
Built
12
Units
2
Stories
Bay Front
Frontage
Not allowed
Rentals
Google Maps →Street View →
Amenities
  • —Dock
  • —Boat Slip
Map
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Closest by car: public beach access — Sandpiper Cove — Dune Walkover (East) (1.9 mi); grocery — Publix - Destin (1.4 mi); town center — HarborWalk Village (2.4 mi); hospital — Ascension Sacred Heart Emerald Coast (10 mi); airport — Destin-Fort Walton Beach Airport (VPS) (7.3 mi).

Geographic Overlays
Geographic Overlays
FEMA flood zone (parcel): VE, X
FIRM panel: 12091C0486J, effective 03/09/2021
Base flood elevation: 11 ft
Coastal Barrier Resources System (CBRS): Outside all three
Coastal Construction Control Line (CCCL): Landward
Evacuation zone: C
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
Oak Harbour — Parcel parcel record
Parcel08/20/2026Okaloosa County · FDOR 2025 · Esri/Maxar
Oak Harbour — Block parcel record
Block08/20/2026Okaloosa County · FDOR 2025 · Esri/Maxar
Oak Harbour — Area parcel record
Area08/20/2026Okaloosa County · FDOR 2025 · Esri/Maxar
Association & Recorded Documents
Association: Oak Harbour Owner's Association of Northwest Florida, Inc.
Declaration: Declaration of Condominium recorded 04/08/1996, OR Book 1991 Page 2048 (instrument #1474683)
Use Rules
Minimum rental term: Minimum rental term six (6) months; no subletting.
Common Questions

Can you rent short-term at Oak Harbour?

No. Minimum rental term six (6) months; no subletting. The declaration is the property's recorded rulebook, filed in the county records. Source: Okaloosa County official records, instrument #1474683.

What is the owners association at Oak Harbour, and when was its declaration recorded?

The association of record is Oak Harbour Owner's Association of Northwest Florida, Inc. Recorded declaration: Declaration of Condominium recorded 04/08/1996, OR Book 1991 Page 2048 (instrument #1474683). 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 Oak Harbour.

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.