Emerald Coast Condo Map
Gulf Front

Summerchase Inn at Crystal Beach

2996 Scenic Hwy 98, Destin, FL 32541

Okaloosa County · Crystal Beach

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

3D Flyover

Aerial 3D flyover, generated from Google Earth. Not a walk-through tour of the building.

Summerchase Inn at Crystal Beach is a Gulf-Front building in Destin, FL, built in 1997, standing 7 stories with 55 condos. Short-term rentals are allowed, recent sale prices fall in the $1M–$2.8M band, and on-site amenities include a pool and a fitness center.

1997
Built
55
Units
7
Stories
Gulf Front
Frontage
Allowed
Rentals
Google Maps →Street View →
Amenities
  • —Pool
  • —Fitness
  • —Elevator
Map
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Closest by car: private Gulf-front beach; grocery — Whole Foods Market (0.6 mi); town center — Destin Commons (0.7 mi); hospital — Ascension Sacred Heart Emerald Coast (6.9 mi); airport — Destin-Fort Walton Beach Airport (VPS) (11 mi).

Customary Use
Customary Use

Summerchase Inn at Crystal Beach 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): VE, X
FIRM panel: 12091C0493J, effective 03/09/2021
Base flood elevation: 15 ft
Coastal Barrier Resources System (CBRS): System Unit P32
Coastal Construction Control Line (CCCL): Seaward
Evacuation zone: B
Critically eroded shoreline: Critical. Florida DEP designates the eastern Destin shoreline (R39 to R50) as critically eroded — the state's term for a beach where erosion now threatens buildings, roads, parks or habitat. A restored beach keeps that designation so it stays eligible for state money to maintain it. This stretch is a beach restoration project, built in 2007. The nearest point of that stretch sits about 800 feet from this building.
Structural Integrity Reserve Study (SIRS): Not in the DBPR dataset (as of 07/31/2026).
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.
Florida law requires a structural integrity reserve study at least every 10 years for each residential condominium building three habitable stories or higher. Section 718.112(2)(g)1., Florida Statutes (2025).
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 09/2023; Phase II inspection not required.
Source: City of Destin Building Department (public records) · as of 09/05/2023
County parcel record
Summerchase Inn at Crystal Beach — Parcel parcel record
Parcel08/20/2026Okaloosa County · FDOR 2025 · Esri/Maxar
Summerchase Inn at Crystal Beach — Block parcel record
Block08/20/2026Okaloosa County · FDOR 2025 · Esri/Maxar
Summerchase Inn at Crystal Beach — Area parcel record
Area08/20/2026Okaloosa County · FDOR 2025 · Esri/Maxar
Association & Recorded Documents
Association: Summerchase at Crystal Beach Owners Association, Inc.
Use Rules
Minimum rental term: No minimum lease term; short-term/daily rental permitted.

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 Summerchase Inn at Crystal Beach.

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.