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Claim or joinLegal name: ST. LUCIA AT SILVER SHELLS, A CONDO
Condo / COA · 72 units · Destin, FL
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See also the Florida Condominium Act (Fla. Stat. Ch. 718).
No SB 4-D applicability determination is on file for this association.
Public record · State structural-integrity filings, state workers' compensation filings
A starting point for diligence, not a safety or compliance rating. Full flood, structural, and hazard detail is below.
Public record · Federal hazard-risk index, federal flood-hazard maps, state structural-integrity filings
Public record · Federal flood-hazard maps, state structural-integrity filings
Relatively High composite risk for this neighborhood area · 94th percentile of FL neighborhood areas
41 federal disaster declarations for this county, including 24 hurricanes, most recent Sep 2024.
For context, not a safety rating.
Public record · Federal hazard-risk index, federal disaster declarations
Participates in the federal flood insurance program · DESTIN, CITY OF
CRS class 6: community flood-mitigation rating, 1 is the strongest discount
8,137 flood policies in force in this ZIP (6,857 condo) · as of 2026-06-01
Reference only; flood-insurance requirements depend on your specific flood zone and lender.
Public record · Federal flood program records
Public record · State health department pool inspections
Floors served is the elevator's own stop count, not an official building-height record, a close proxy, not an exact story count.
Public record · State elevator certificates
Annual change in ZIP 32541
2020 +7.5% · 2021 +15.6% · 2022 +14.9% · 2023 +5.4% · 2024 +1.1% · 2025 +5.2%
Area price appreciation for context, not an appraisal of this association or any unit. Its publisher labels the index developmental: it is built from conforming-mortgage data, and small housing markets are suppressed.
Public record · Federal house-price index · as of Mar 2026
Monthly HOA and condo fees reported by owners in this part of the state, from federal household survey estimates.
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From public officer filings
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61% of nearby housing sits in 5+ unit buildings, most of it built in the 2000s.
Neighborhood-area figures, not the association itself. Useful as neighborhood context.
Public record · Federal community survey estimates
Common Elements directory
Peer context, not financial advice: area-level survey medians describe the market, not what any specific community should charge.
Structural Integrity Reserve Study on file · CONDOMINIUM.
Model SB 4-D reserve contributions for this association’s unit count and building profile before the formal study numbers come in.
Public record · State structural-integrity filings, county parcel records
Counts describe the area around the association's geocoded location, for context. Not a site-specific environmental assessment.
Public record · Federal environmental-facility records · as of Jul 2026
Most recent significant event in Okaloosa County: Tornado, May 10, 2025.
County-level weather records from the federal storm-event database, for context. Each event is logged for a whole county or forecast zone, not for individual properties, so counts and damage estimates describe Okaloosa County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
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State condominium filing
On file as ST. LUCIA AT SILVER SHELLS, A CONDO
Principal address · Legal name · 1 linked public record
Filed as shown; displayed as St. Lucia at Silver Shells, a Condominium
Source not recorded
Type · Units
Geocoded from the address on file
Map location
Geocoded 2026-05-19
Public record
4 linked public records
Names are shown in title case for readability. The string above is the name on file, unchanged.
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