Emerald Coast Condo Map
Harbor Front

The Ultimate Waterview Towers Yacht Club

280 Gulf Shore Dr, Destin, FL 32541

Okaloosa County · Holiday Isle Harbor

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 Ultimate Waterview Towers Yacht Club is a Harbor-Front tower in Destin, FL, within the Waterview Towers community, built in 1996, standing 8 stories with 21 condos. Short-term rentals are not permitted, prices fall in the $500K–$2M band, and on-site amenities include a pool, a fitness center, gated entry, and a marina.

1996
Built
21
Units
8
Stories
Harbor Front
Frontage
Not allowed
Rentals
Google Maps →Street View →

Part of Waterview Towers

Amenities
  • —Pool
  • —Fitness
  • —Elevator
  • —Gated
  • —Tennis
  • —Pickleball
  • —Marina
  • —Dock
  • —Boat Slip
Map
Showing 0 of 30Pick a group to place its pins.

Closest by car: public beach access — O'Steen Public Beach Access (< 0.1 mi); grocery — Publix - Destin (1.3 mi); town center — HarborWalk Village (0.6 mi); hospital — Ascension Sacred Heart Emerald Coast (12 mi); airport — Destin-Fort Walton Beach Airport (VPS) (7.9 mi).

Geographic Overlays
Geographic Overlays
FEMA flood zone (parcel): VE, AE
FIRM panel: 12091C0469J, effective 03/09/2021
Base flood elevation: 14 ft
Coastal Barrier Resources System (CBRS): Outside all three
Coastal Construction Control Line (CCCL): Seaward
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: Milestone Inspection (Phase I) completed 04/2024; Phase II inspection not required.
Source: City of Destin Building Department (public records) · as of 04/10/2024
County parcel record
The Ultimate Waterview Towers Yacht Club — Parcel parcel record
Parcel08/20/2026Okaloosa County · FDOR 2025 · Esri/Maxar
The Ultimate Waterview Towers Yacht Club — Block parcel record
Block08/20/2026Okaloosa County · FDOR 2025 · Esri/Maxar
The Ultimate Waterview Towers Yacht Club — Area parcel record
Area08/20/2026Okaloosa County · FDOR 2025 · Esri/Maxar
Association & Recorded Documents
Association: Waterview Towers Yacht Club the Ultimate, Owners' Association, Inc.
Declaration: Declaration of Condominium recorded 03/29/1996, OR Book 1989 Page 1570 (instrument #1472703)
Use Rules
Minimum rental term: Minimum lease term ninety (90) days.
Common Questions

Can you rent short-term at The Ultimate Waterview Towers Yacht Club?

No. Minimum lease term ninety (90) days. The declaration is the property's recorded rulebook, filed in the county records. Source: Okaloosa County official records, instrument #1472703.

Has The Ultimate Waterview Towers Yacht Club 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 Ultimate Waterview Towers Yacht Club 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 Ultimate Waterview Towers Yacht Club, and when was its declaration recorded?

The association of record is Waterview Towers Yacht Club the Ultimate, Owners' Association, Inc. Recorded declaration: Declaration of Condominium recorded 03/29/1996, OR Book 1989 Page 1570 (instrument #1472703). 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 Ultimate Waterview Towers Yacht Club.

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.