Emerald Coast Condo Map
Gulf View

The Terrace at Pelican Beach

970 Hwy 98, Destin, FL 32541

Okaloosa County · Condo Row

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.

The Terrace at Pelican Beach is a Gulf-View tower in Destin, FL, built in 1999, standing 16 stories with 94 condos. Short-term rentals are allowed, recent sale prices fall in the $350K–$675K band, and on-site amenities include a pool, a fitness center, gated entry, and tennis courts.

1999
Built
94
Units
16
Stories
Gulf View
Frontage
Allowed
Rentals
Google Maps →Street View →
Amenities
  • —Pool
  • —Fitness
  • —Elevator
  • —Gated
  • —Tennis
Map
Showing 0 of 54Pick a group to place its pins.

Closest by car: public beach access — Sandpiper Cove — Dune Walkover (East) (0.4 mi); grocery — Publix - Destin (0.6 mi); town center — HarborWalk Village (2.2 mi); hospital — Ascension Sacred Heart Emerald Coast (10 mi); airport — Destin-Fort Walton Beach Airport (VPS) (8.7 mi).

Customary Use
Customary Use

The Terrace at Pelican Beach 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): AE, X
FIRM panel: 12091C0488J, effective 03/09/2021
Base flood elevation: 8 ft
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
The Terrace at Pelican Beach — Parcel parcel record
Parcel08/20/2026Okaloosa County · FDOR 2025 · Esri/Maxar
The Terrace at Pelican Beach — Block parcel record
Block08/20/2026Okaloosa County · FDOR 2025 · Esri/Maxar
The Terrace at Pelican Beach — Area parcel record
Area08/20/2026Okaloosa County · FDOR 2025 · Esri/Maxar
Association & Recorded Documents
Association: The Terrace at Pelican Beach Owners' Association, Inc.
Declaration: Declaration of Condominium for The Terrace at Pelican Beach recorded 05/20/1999 (instrument #1701498)
Use Rules
Minimum rental term: No minimum lease term; short-term/daily rental permitted.
Common Questions

Can you rent short-term at The Terrace at Pelican Beach?

Yes. No minimum lease term; short-term/daily rental permitted. The declaration is the property's recorded rulebook, filed in the county records. Source: Okaloosa County official records, instrument #1701498.

Has The Terrace at Pelican Beach 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. The Terrace at Pelican Beach 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 The Terrace at Pelican Beach, and when was its declaration recorded?

The association of record is The Terrace at Pelican Beach Owners' Association, Inc. Recorded declaration: Declaration of Condominium for The Terrace at Pelican Beach recorded 05/20/1999 (instrument #1701498). 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 The Terrace at Pelican 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.