Emerald Coast Condo Map
Gulf View

St. Croix at Silver Shells

15300 Emerald Coast Pkwy, Destin, FL 32541

Okaloosa County · Silver Shells

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

St. Croix at Silver Shells is a Gulf-View tower in Destin, FL, within the Silver Shells community, built in 1999, standing 14 stories with 90 condos. Short-term rentals are allowed, recent sale prices fall in the $800K–$1.5M band, and on-site amenities include a pool, a fitness center, gated entry, and a private beach.

1999
Built
90
Units
14
Stories
Gulf View
Frontage
Allowed
Rentals
Google Maps →Street View →

Part of Silver Shells

Amenities
  • —Pool
  • —Private Beach
  • —Fitness
  • —Elevator
  • —Gated
  • —Tennis
  • —Pickleball
  • —Onsite Dining
Map
Showing 0 of 45Pick a group to place its pins.

Closest by car: public beach access — Silver Shells — Beach Walkover (Central) (< 0.1 mi); grocery — Walmart Supercenter - Destin (0.4 mi); town center — Destin Commons (1.9 mi); hospital — Ascension Sacred Heart Emerald Coast (8.9 mi); airport — Destin-Fort Walton Beach Airport (VPS) (9.5 mi).

Customary Use
Customary Use

St. Croix at Silver Shells looks out over the Gulf from just back of the beach. 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 nearest public beach walkover is a short distance away. 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): 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
County parcel record
St. Croix at Silver Shells — Parcel parcel record
Parcel08/20/2026Okaloosa County · hand-built footprint · Esri/Maxar
St. Croix at Silver Shells — Block parcel record
Block08/20/2026Okaloosa County · hand-built footprint · Esri/Maxar
St. Croix at Silver Shells — Area parcel record
Area08/20/2026Okaloosa County · hand-built footprint · Esri/Maxar
Association & Recorded Documents
Association: St. Croix at Silver Shells Condominium Association, Inc.
Declaration: Declaration of Condominium recorded 06/08/1999, OR Book 2212 Page 1700 (instrument #1705154)
Use Rules
Minimum rental term: No minimum lease term; residential occupancy temporary or permanent.
Common Questions

What is the minimum rental term at St. Croix at Silver Shells?

No minimum lease term; residential occupancy temporary or permanent. The declaration is the property's recorded rulebook, filed in the county records. Source: Okaloosa County official records, instrument #1705154.

Has St. Croix at Silver Shells 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. St. Croix at Silver Shells 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 St. Croix at Silver Shells, and when was its declaration recorded?

The association of record is St. Croix at Silver Shells Condominium Association, Inc. Recorded declaration: Declaration of Condominium recorded 06/08/1999, OR Book 2212 Page 1700 (instrument #1705154). 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 St. Croix at Silver Shells.

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.