Gulf Front

St. Thomas at Silver Shells

15400 Emerald Coast Pkwy, Destin, FL 32541

Okaloosa County · Silver Shells

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

St. Thomas at Silver Shells is a Gulf-Front tower in Destin, FL, within the Silver Shells community, built in 2000, standing 15 stories with 123 condos. Short-term rentals are not permitted, recent sale prices fall in the $1.4M–$2.7M band, and on-site amenities include a pool, a fitness center, gated entry, and a private beach.

2000

Built

123

Units

Stories

Gulf Front

Frontage

Not allowed

Rentals

Google Maps →Street View →

Part of Silver Shells

Amenities

—Pool
—Private Beach
—Fitness
—Elevator
—Gated
—Tennis
—Pickleball
—Onsite Dining

Map

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Within 3.0 mi

Customary Use

St. Thomas 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

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. Thomas at Silver Shells — Parcel parcel record — Parcel08/20/2026Okaloosa County · hand-built footprint · Esri/Maxar

St. Thomas at Silver Shells — Block parcel record — Block08/20/2026Okaloosa County · hand-built footprint · Esri/Maxar

St. Thomas at Silver Shells — Area parcel record — Area08/20/2026Okaloosa County · hand-built footprint · Esri/Maxar

Common Questions

Has St. Thomas 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. Thomas 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.

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. Thomas 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.