St Croix at Silver Shells
Homes for Sale in Destin, FL
All 603 homes for sale in Destin, FL · median $634,900 · 618 homes for sale in 32541 · Okaloosa County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via Emerald Coast MLS
Over the 12 months ending 2026-09-20, 3 recorded sales closed at a median of $1,282,000, a median 158 days on market, sellers accepting 95% of original asking. Homes listed or recently sold were built 1999–1999; none of the 6 geocoded homes sit in a FEMA special flood hazard zone (median elevation 20 ft). At the median price and Okaloosa County's FY2025-26 rate of 12.89 mills, annual property tax runs about $16,530 ($16,020 with the full homestead exemption).
Part of the Silver Shells master-planned community in Destin, FL — see all Silver Shells homes for sale (8 listings across 5 villages and sections in the MLS).
| Location | Destin, Okaloosa County, FL · ZIP 32541 |
|---|---|
| Home types (current listings and sales) | condos 100% |
| Amenities listed by sellers | Gated, Pickleball, Pool, TV Cable, Waterfront, Beach |
| Sale prices, last 12 months | $1,282,000 median across 3 closed sales |
| Days on market (closed sales) | 158 median |
| For sale right now | 0 active, 0 pending |
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 CROIX AT SILVER SHELLS key facts,” movewithmomentum.com/neighborhoods/st-croix-at-silver-shells, data as of September 20, 2026.
Last 30 days in St Croix at Silver Shells: 2 closed sales (median $891,000). As of September 26, 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.
St Croix at Silver Shells is a small enclave within the Silver Shells resort footprint in Destin, and right now the picture is thin by design: one active listing as of mid-2026. With inventory this tight, price is set less by a broad comp set and more by the specifics of the individual unit — its floor, view, condition, and how it stacks against the wider Silver Shells resort market it sits inside.
For a buyer, that means patience and readiness: you may be negotiating against a single option, so knowing what you'll accept before it lists matters. For a seller, a scarce field can work in your favor, but a lone listing also carries the full weight of scrutiny — condition and presentation drive the number when there's nothing to hide behind.
Nearby homes for sale
No active listings inside ST CROIX AT SILVER SHELLS right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
St Croix at Silver Shells market snapshot (as of September 20, 2026): the median sale price is about $1.28M, and a median 158 days on market for closed sales.
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 9.0 months — a soft market. See the live ZIP 32541 housing market and the Okaloosa County market.
Emerald Coast MLS sales records identify 36 homes in ST CROIX AT SILVER SHELLS that have changed hands since 2002, built between 1999 and 2000 (median 1999), with a median living area of about 1,674 sq ft and a typical 3-bedroom, 2-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.
St Croix is one address inside the larger Silver Shells resort setting in Destin, Okaloosa County — a Gulf-oriented, resort-style location rather than a standalone subdivision. Current MLS data shows no distinct community amenities tied to this listing set, so the draw here is the address and the resort context around it.
The setting & the homes.
Aerial and on-site photos of St Croix at Silver Shells. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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St Croix at Silver Shells
St Croix at Silver ShellsPhotos from Emerald Coast MLS listings in St Croix at Silver Shells; content deemed reliable but not guaranteed.
Who St Croix at Silver Shells is best for.
Best for
- Buyers targeting a specific Destin resort-area address and willing to wait for the right unit
- Second-home or seasonal-use buyers comfortable pricing against the broader Silver Shells market
- Sellers who can present a single unit at its best and let condition drive the number
Probably not for
- Buyers who want several active listings to compare side by side
- Anyone needing a documented amenity package before committing
- Buyers who need to close fast and can't wait for scarce inventory to turn over
Housing distress & ownership in ST CROIX 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.
St Croix 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, tiles © CARTO.
The St Croix at Silver Shells buying strategy.
If we were buying in St Croix 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 Croix at Silver Shells.
A single-listing read
When a community shows just one active listing, there is no median trend line to lean on and no spread to average out. The right approach is to treat the unit on its own terms — orientation, level, interior condition — and then step back and price it against the broader Silver Shells resort activity in Destin, since that is the market a buyer here is really comparing against.
We have no confirmed community-specific amenity data from the current MLS record for St Croix, so we won't claim pools, decks, or services that aren't documented. What we can say plainly is that this is a resort-area address in Destin, and the value case rests on the property and its Gulf-proximate location rather than on a published amenity list.
The location and the amenities are priced into every listing in St Croix at Silver Shells. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a market this thin, generic comps mislead. We track Silver Shells and the wider Destin resort inventory closely enough to tell you whether the one available unit is priced fairly against everything it competes with, and to move quickly when a second option appears. Whether you're buying or listing, we'll give you the honest read — including when the single option on the board isn't the right one for you.
St Croix at Silver Shells in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
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 Croix 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 Croix 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 Croix 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 Croix at Silver Shells home worth?
Get a no-obligation home value based on real comparable sales in St Croix 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.
See all homes for sale in Destin →
Recently off market in ST CROIX AT SILVER SHELLS
Homes in ST CROIX 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. 3 on record.
- 15300 Emerald Coast Parkway #1202 · off market
- 15300 Emerald Coast Parkway #201 · off market
- 15300 Emerald Coast Parkway #404 · off market
Frequently Asked Questions
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Should you buy in St Croix 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: September 26, 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 2026 (3 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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The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Emerald Coast MLS member average and 8 days faster, and we’ll price yours against live local comps.
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