St. Barth at Silver Shells
Homes for Sale in Destin, FL
All 591 homes for sale in Destin, FL · median $639,000 · 346 condos for sale in Destin · 569 homes for sale in 32541 · Okaloosa County homes for sale
True comps, carrying-cost math, and listings before the portals.
Market Heat
Photo via Emerald Coast MLS
As of November 2026, St. Barth at Silver Shells in Destin, FL has 1 home for sale. Over the 12 months ending 2026-09-20, 6 recorded sales closed at a median of $1,295,000, a median 93 days on market, sellers accepting 87% of original asking. Homes listed or recently sold were built 2005–2005; 6 of 6 report an HOA (median $1,649/mo); none of the 6 geocoded homes sit in a FEMA special flood hazard zone (median elevation 23 ft). At the median price and Okaloosa County's FY2025-26 rate of 12.89 mills, annual property tax runs about $16,700 ($16,190 with the full homestead exemption).
Part of the Silver Shells master-planned community in Destin, FL — see all Silver Shells homes for sale (7 listings across 5 villages and sections in the MLS).
St. Barth at Silver Shells is a coastal Destin address, and price here is driven by condition, unit position, and the pull of the broader Silver Shells setting rather than any long list of on-site perks — current MLS data identifies no community amenities to hang a premium on. The median sits at $1,100,000, so this is a top-of-market segment where finishes and Gulf-proximity do the heavy lifting.
The posture right now favors a patient buyer. Price is down 8.3% year over year, homes are taking a median of 71 days to sell, and the heat score of 32 reads cool. With just one active listing and a thin closings window, sellers need sharp pricing and clean presentation; buyers have room to negotiate but little selection to compare against.
Figures in this note are as of July 25, 2026. The live market numbers elsewhere on this page update nightly and are newer.
St. Barth at Silver Shells right now
🟡 Balanced market. 2.0 months of supply and 0% of the inventory already under contract put buyers and sellers on roughly even footing.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of Emerald Coast MLS records, as of September 20, 2026. Confidence: Medium (1 active and pending listings, 6 closed sales in 12 months).
🟢 Still climbing. The trailing-12-month median ($1.30M) is up 10.2% from the prior 12 months ($1.18M) and up 120% since 2012. With about 5 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level Emerald Coast MLS closed sales, 12-month windows ending September 20. Confidence: Medium (6 and 7 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated November 8, 2026 · Live data: Emerald Coast MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
St. Barth at Silver Shells market snapshot (as of September 20, 2026): the median sale price is about $1.30M, a median 93 days on market for closed sales, and 2.0 months of supply, a balanced market. The trailing-12-month median is up 10% from the prior 12 months and up 120% since 2012, computed from record-level Emerald Coast MLS closed sales (6 closings in the current window).
In ZIP 32541 (Destin), 790 homes closed in the last 12 months at a median of $730K ($199/sq ft), down 1.9% year over year, with a median 96 days on market. Right now 488 active and 65 pending listings put supply at about 7.4 months — a soft market. See the live ZIP 32541 housing market and the Okaloosa County market.
Emerald Coast MLS sales records identify 52 homes in ST. BARTH AT SILVER SHELLS that have changed hands since 2005, built between 2003 and 2005 (median 2005), with a median living area of about 2,019 sq ft and a typical 3-bedroom, 3-bath layout; 100% are condominiums. Source: Emerald Coast MLS closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
This is a high-end Destin segment where the value case rests on the individual unit and its setting, not on a roster of shared amenities. Inventory is scarce, and the market has softened over the past year even as values remain well above where they sat over a decade ago.
The setting & the homes.
Aerial and on-site photos of St. Barth at Silver Shells. Swipe to explore the community.
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St. Barth at Silver Shells
St. Barth at Silver Shells
St. Barth at Silver Shells
St. Barth at Silver Shells
St. Barth at Silver Shells
St. Barth at Silver ShellsPhotos from Emerald Coast MLS listings in St. Barth at Silver Shells; content deemed reliable but not guaranteed.
Who St. Barth at Silver Shells is best for.
Best for
- Buyers with a budget at or above the seven-figure median who want a Destin coastal base
- Patient purchasers willing to wait for the right unit and negotiate on a softening market
- Owners focused on the individual unit's condition and setting rather than shared amenities
Probably not for
- Buyers who need a broad selection to compare — inventory here is currently a single listing
- Anyone requiring a resort-style amenity package, which current listings do not identify
- Sellers expecting a quick sale, given a median of 71 days and a cooling trend
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 20 of each year, from record-level Emerald Coast MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($1.30M) IS the median in the snapshot above, and the move from 2025 ($1.18M) IS the +10.2% one-year change.
Windows contain 0 to 7 sales each (6 in the current window); every figure carries its sample size, and thin markets swing on single closings. Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate. Deemed reliable but not guaranteed.
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Okaloosa County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Okaloosa County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
10% of homes for sale in ZIP 32541 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-11-08).
St. Barth at Silver Shells Market Scorecard
St. Barth at Silver Shells is currently a balanced market. About 2.0 months of supply, a median asking price of $1,595,000, and homes go under contract in about 82 days.
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Emerald Coast MLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Homes For Sale Right Now in St. Barth at Silver Shells
Live MLS inventory for St. Barth at Silver Shells. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active and pending St. Barth at Silver Shells listings as of 2026-11-06, priced high to low. Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate. Tap any home to ask about it.
St. Barth at Silver Shells on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Emerald Coast MLS. Map data © OpenStreetMap contributors.
Schools
- Okaloosa County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Destin · Elementary
- Destin · Middle
- Destin · High
Zoned schools reflect the assignments reported on recent St. Barth at Silver Shells listings and can change; always confirm with Okaloosa County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any St. Barth at Silver Shells address.
Shop the zone: Homes zoned for Destin High School
The St. Barth at Silver Shells buying strategy.
If we were buying in St. Barth at Silver Shells today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in St. Barth at Silver Shells.
A thin, condition-driven top-of-market pocket
The long arc still favors owners: values are up 87% since 2012. But the recent trend has turned, with an 8.3% year-over-year decline and a median of 71 days to sell — meaningfully slower than a hot market. That combination means a listing that lingers is usually a pricing problem, not a demand problem.
With one active listing and only a handful of closings in the tracked window, expect the data to move in jumps rather than smooth lines. A single sale can swing the read. For a buyer, that argues for anchoring to the specific unit's condition and location within Silver Shells rather than to community-wide averages.
The location and the amenities are priced into every listing in St. Barth at Silver Shells. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in St. Barth at Silver Shells buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 4 factors (6.5). Basis: Long-Term Appreciation +120% since 2012; Recent Direction +10.2% year-over-year; Liquidity & Demand 2.0 months of supply; Pricing Power 87.4% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a thin, high-dollar segment where one sale reshapes the median, you need someone who reads the individual unit — condition, position, and how it stacks against the last few closings — instead of leaning on a headline number. We price and negotiate off the specifics, and in a cooling market with limited comparables, that discipline is what protects your basis on both sides of the table.
St. Barth at Silver Shells in 15 seconds.
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What it really costs to own in St. Barth at Silver Shells
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| Property tax | Current owners' bills run a median of $9,407/yr across 4 listings here (MLS tax records, 2026-11-08). |
|---|---|
| HOA dues | Median $1,762/month across 5 MLS listings (most billed quarterly; 2026-11-08). Dues cover what the documents say they cover; ask for the budget and reserve study. |
| Home and flood insurance | The average Citizens Property Insurance premium in Okaloosa County is $2,644/yr (1,101 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. |
| Roof and age | Median build year 2005 across 5 listings. An original roof here would be about 21 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report, and for replacement where it fails. |
HOA, CDD & Fees
- HOA dues reported around $1,762/month (about $21,141/yr) · median of 5 MLS listings, most billed quarterly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $1,762 per month ($21,141 a year) — the median AssociationFee across 5 MLS records, normalised to a monthly figure; most are billed quarterly. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-11.
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a St. Barth at Silver Shells buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed St. Barth at Silver Shells sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in St. Barth at Silver Shells, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your St. Barth at Silver Shells home worth?
Get a no-obligation home value based on real comparable sales in St. Barth at Silver Shells, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
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Recently off market in ST. BARTH AT SILVER SHELLS
Homes in ST. BARTH AT SILVER SHELLS that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 1 on record.
- 15500 Emerald Coast Parkway #401 · off market
| Location | Destin, Okaloosa County, FL · ZIP 32541 |
|---|---|
| Home types (current listings and sales) | condos 100% |
| Amenities listed by sellers | Elevators, Gated, Pool, Separate Storage, Short Term Rental - Not Allowed, Waterfront |
| Sale prices, last 12 months | $1,295,000 median across 6 closed sales · +10.2% vs the prior 12 months |
| Days on market (closed sales) | 93 median |
| For sale right now | 1 active, 0 pending · median asking $1,595,000 · 2.0 months of supply |
Data as of September 20, 2026. Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate. Market figures describe homes, not residents. Cite as: Momentum Realty, “St. Barth at Silver Shells key facts,” movewithmomentum.com/neighborhoods/st-barth-at-silver-shells, data as of September 20, 2026.
Housing distress & ownership in ST. BARTH AT SILVER SHELLS, Destin
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate. Deemed reliable but not guaranteed.
Every Home for Sale in St Barth At Silver Shells Right Now (1)
All 1 active and pending St Barth At Silver Shells listings with a detail page, newest first, refreshed twice a day from the MLS.
- 15500 Emerald Coast Parkway #1003 · $1,295,000 · 3 bd / 3 ba · listed Aug 8, 2026 · listed by Compass
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Destin guides & data
- Market data
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- Property taxes (Okaloosa County)
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- New construction (Okaloosa County)
Florida buyer guides
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- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
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- Save Our Homes tax estimator
- How to stop a foreclosure in Florida
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Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Emerald Coast Parkway (1 homes on record)
Recent Developments in St Barth At Silver Shells
Development, infrastructure, retail, and school activity affecting St Barth At Silver Shells, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated November 2026.
- October 2026Retail & Dining
TJ Maxx to open 33,865-square-foot Destin store Nov. 1 at Paradise Key
The off-price retailer opens at 4437 Commons Drive East with a grand opening from 8 a.m. to 8 p.m. on Nov. 1. Regular hours run 9:30 a.m. to 9:30 p.m. daily, and the store sells apparel, accessories, jewelry, and home and beauty goods.
What it may mean for the marketA new national off-price anchor adds everyday shopping close to Destin's commercial corridor and may shorten trips for retail needs. The site is about 5 miles east of St Barth At Silver Shells.
Source: Get The Coast - October 2026Infrastructure
Okaloosa outlines Gap Creek drainage projects and permitting hurdles in Fort Walton Beach
County staff described five stormwater efforts, including the Overbrook drainage work, a planned 2.67-acre Sylvania Heights stormwater park estimated at $4 million, and Lloyd Street and Mayflower Avenue improvements expected to go to bid in early 2027. Air Force environmental review and state and Army Corps permits for dredging complicate the timeline.
What it may mean for the marketPlanned drainage upgrades could reduce flooding exposure in the Gap Creek basin over time, though permitting delays mean relief is likely several years out. The project is about 7 miles west of St Barth At Silver Shells, elsewhere in Okaloosa County.
Source: Get The Coast - October 2026Retail & Dining
7 Brew drive-thru coffee stand opens on Beal Parkway in Fort Walton Beach
The stand at 799 Beal Parkway opened Oct. 19 and is the chain's second in Fort Walton Beach. It is expected to add 75 local jobs, and an opening fundraiser raised $4,661 for an equine therapy nonprofit.
What it may mean for the marketA new drive-thru option along Beal Parkway adds early-morning and late-night food and beverage access and about 75 jobs nearby. The project is about 8 miles west of St Barth At Silver Shells, elsewhere in Okaloosa County.
Source: Get The Coast - October 2026Parks & Amenities
Okaloosa and Cinco Bayou open upgraded boat ramp with new trailer parking
Okaloosa County and the Town of Cinco Bayou held a ribbon cutting for upgraded boat ramp facilities, including 16 new boat trailer parking spaces, a new restroom and landscaping. The $4.1 million total, funded largely by tourism development funds, also covers the $2.95 million purchase of a former bank building at 198 Eglin Parkway NE. Future dock improvements are planned.
What it may mean for the marketAdded trailer parking and ramp access improve waterfront recreation access for Fort Walton Beach area boaters. The project is about 7 miles west of St Barth At Silver Shells, elsewhere in Okaloosa County.
Source: Get The Coast - September 2026Parks & Amenities
Destin and Okaloosa County agree on management of 4-acre Holiday Isle state park
Destin and Okaloosa County unanimously agreed to back Destin as manager and developer of the roughly four-acre state-acquired park on Holiday Isle near Norriego Point. In return, Destin council voted 5-2 to offer free parking to all Okaloosa County residents at city-owned lots and parks. The deal still requires state Board of Trustees and DEP review.
What it may mean for the marketManagement of the Holiday Isle park and city parking rules will affect public waterfront access and parking in Destin. The site is less than a mile southwest of St Barth At Silver Shells.
Source: Get The Coast - June 2026Civic
DeSantis signs state budget with funding for Okaloosa County projects
Governor DeSantis signed the state budget that included roughly $15 million for 20 Okaloosa County projects, among them $5 million for the Northwest Florida State College Workforce Innovation Center in Niceville, $1.5 million for Shalimar Bridge Park, and $3 million for Destin road and drainage work. About $7.26 million in other local requests were vetoed.
What it may mean for the marketDirects state funding toward workforce, park, road, and drainage infrastructure across Okaloosa County, supporting public facilities and capacity in Niceville, Shalimar, and Destin. The site is about 9 miles north of St Barth At Silver Shells.
Source: Get The Coast
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.
Frequently Asked Questions
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Should you buy in St. Barth at Silver Shells?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | Emerald Coast MLS, refreshed twice daily (last: November 6, 2026) |
| Community market stats | Emerald Coast MLS closed sales, 12-month windows ending September 20, 2026 |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2005 (116 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Emerald Coast MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
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More on St. Barth at Silver Shells
- Home values · What homes in St. Barth at Silver Shells actually sell for