Emerald Coast Condo Map
Gulf Front

St. Maarten at Silver Shells

15200 Emerald Coast Pkwy, Destin, FL 32541

Okaloosa County · Silver Shells

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

St. Maarten at Silver Shells is a rental friendly tower and arguably one of the most popular communities in Destin among vacationers

1999
Built
114
Units
15
Stories
Gulf Front
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 46Pick a group to place its pins.

Closest by car: private Gulf-front beach; grocery — Walmart Supercenter - Destin (0.5 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).

Building Bones
Elevators: 4 Semi-private, 2 service
Operational Metrics
Short-term-rental saturation: High
As of 08/13/2026.
Customary Use
Customary Use

St. Maarten at Silver Shells 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): 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: No milestone permit on record as of 2026-07-31 (calibrated absence)
County parcel record
St. Maarten at Silver Shells — Parcel parcel record
Parcel08/20/2026Okaloosa County · hand-built footprint · Esri/Maxar
St. Maarten at Silver Shells — Block parcel record
Block08/20/2026Okaloosa County · hand-built footprint · Esri/Maxar
St. Maarten at Silver Shells — Area parcel record
Area08/20/2026Okaloosa County · hand-built footprint · Esri/Maxar
Association & Recorded Documents
Association: St. Maarten at Silver Shells Condominium Association, Inc.
Declaration: Declaration of Condominium recorded 07/30/1999, OR Book 2218 Page 3241 (instrument #1716168)
Use Rules
Minimum rental term: No minimum lease term; short-term / transient rental permitted (Declaration sec. 15.1: residential occupancy "temporary or permanent"; no leasing-duration restriction in the recorded declaration).
Common Questions

Can you rent short-term at St. Maarten at Silver Shells?

Yes. No minimum lease term; short-term / transient rental permitted (Declaration sec. 15.1: residential occupancy "temporary or permanent"; no leasing-duration restriction in the recorded declaration). The declaration is the property's recorded rulebook, filed in the county records. Source: Okaloosa County official records, instrument #1716168.

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

The association of record is St. Maarten at Silver Shells Condominium Association, Inc. Recorded declaration: Declaration of Condominium recorded 07/30/1999, OR Book 2218 Page 3241 (instrument #1716168). 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. Maarten 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.