Gena Bolton's Real Estate Blog
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  • LATRIUM SANDESTIN FL
  • Linkside Village Sandestin Fl
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  • Anchorage Condominiums Sandestin Fl
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  • Bungalows Sandestin Fl
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  • Crystal Cove Condominiums Sandestin Fl
  • Crystal Lake Sandestin Fl
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  • Fountains Sandestin Fl
  • Genoa Sandestin Fl
  • Island Green Sandestin Fl
  • Tuscana Villas Sandestin Fl
  • Laurel Grove Sandestin Fl
  • Legend Creek Sandestin Fl
  • Magnolia Bay Sandestin Fl
  • Prestwick Place Sandestin Fl
  • St. Andrews Sandestin Fl
  • Troon Drive Sandestin Fl
  • Turnberry Condominiums Sandestin Fl
  • Condominiums in the Village of Baytowne Wharf Sandestin Fl
  • Alys Beach Real Estate
  • Seaside Florida Real Estate
  • Blue Mountain Beach Real Estate
  • Dune Allen Beach Real Estate
  • Forest Lakes-30a Real Estate
  • Grayton Beach Real Estate
  • Gulf Place 30a Real Estate
  • Highland Parks, Santa Rosa Beach Fl
  • Naturewalk at Seagrove Homes for Sale
  • Rosemary Beach Real Estate
  • Santa Rosa Beach Real Estate
  • 30A Real Estate Seacrest Beach
  • Seagrove Beach Real Estate
  • Prominence real estate on 30a
  • Watercolor Real Estate
  • WaterSound Beach Real Estate
  • Watersound West Beach Real Estate
  • Origins at Watersound Real Estate
  • Wild Heron Panama City
  • Inlet Beach
  • Carillon Beach
  • Destin Florida Foreclosures and Short Sales
  • Miramar Beach Florida Foreclosures and Short Sales
  • Sandestin Florida Foreclosures and Short Sales
  • Santa Rosa Beach Florida Foreclosures and Short Sales
  • 30a Real Estate Foreclosures and Short Sales
  • South Walton County Florida Foreclosures and Short Sales
  • Destin Florida Condo Financing
  • Destin Florida Condotel Financing
  • 30A Local Properties

Forest Lakes - Sold

9/19/2018

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Highland Parks on 30A

9/5/2018

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Great new listing in Highland Parks on 30A. In the heart of Santa Rosa Beach and Blue Mountain Beach 

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Click here to see more info

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Views from 30A and South Walton County

8/9/2018

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Great video showing the views from 30A and South Walton. 

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Watch to see why this area is quickly becoming more of a primary resident for so many people. It's not just a vacation destination anymore! 

8 FIFTY Productions does a fantastic job capturing this lifestyle! 
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34 Suzanne Drive Santa Rosa Beach Florida

5/13/2017

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    Seagrove Home, 34 Suzanne Drive
                         $3,050,000

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                 Click Here for Listing 

​6000 sq ft. home is currently under construction scheduled for completion May of 2017, located on one of old Seagrove's largest lots allowing for a one of a kind U shaped courtyard style pool home rarely seen on 30A's typically narrow lots. You enter this home through a gated and walled courtyard that features a large pool and expansive cabana with summer kitchen and built in fire table, 3 garages. The first floor consists of a gourmet kitchen with large butlers pantry, two sub zero refrigeration units, dual dishwashers, euro style kitc with large island, glass china cabinet, vaulted ceilings, wet bar, floating stair case, huge master with dual vanities and a separate make-up vanity, sauna, huge walk-in closet, 16' sliding doors opening to the pool, radiant heat floors.
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40 Sea Turtle Drive , Santa Rosa Beach, FL 32459

3/14/2017

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Great new construction, just steps to the beach. ​40 Sea Turtle Drive , Santa Rosa Beach, FL 32459

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This magnificent, newly constructed home is located in a small, private, gulf front, gated community. It is in one of the most desirable areas of Old Seagrove Beach. There are only 7 lots in this community and this home is not even 200 feet to the private beach walk-over. This home has the real Old Florida appeal and ambiance. The innovative design completes the aesthetic of coastal comfort and timeless design. It has a private, salt-water pool and an outdoor spiral staircase that takes you to the 2nd floor balcony. The 1st floor has fire rock flooring through-out, foyer, a sitting room, 2 bedrooms, 2 baths, a laundry room and garage. The 2nd floor has glorious gulf views and a nice open floor plan. The 1st and 2nd floors feature shiplap walls and beautiful walnut wood floors.
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great room opens to a large balcony with incredible panoramic gulf views, a gas fireplace, a wet bar and lots of sunny windows with transits over them. The grand gourmet kitchen has pecky cypress cabinets, top-of-the-line appliances and large island. The large dining area, roomy breakfast bar, pool and Lanai make this home a great place for entertaining. The huge master suite is on the 2nd floor with a lovely, private balcony with to 'die for' views. The master bath has a garden tub, separate shower and a double vanity. The 3rd floor has 2 bedrooms with alcoves, a full bath and a large storage closet. Although the community is gated and has a private, deeded beach walk-over, there is not an HOA and no dues. This rare masterpiece will be completed this spring.

CLICK HERE TO SEE MORE OF THIS WONDERFUL HOME
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Destin Fl to Panama City Fl Condotel Financing Questions

12/4/2016

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Destin, Miramar Beach, 30A and Panama City Beach Fl Condo Financing Questions

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After extensive searching, you have found a great gulf front condominium with a strong onsite rental program, and restaurant, indoor and outdoor pools and lots of other great amenities. You’ve contracted to purchase and now all you have to do is go back to your local bank to arrange for financing.  
 
From experience with these type transactions is that a buyer in this scenario will face a high percent probability of loan denial regardless of their strength as a borrower.  Worse yet, the problems typically surface at underwriting-the last step before loan approval and very close to the closing date.  When this happens, a buyer usually has to start over with a local lender and extend the closing date. They may have already paid fees that can’t be refunded and will have to expend more time and effort to re-apply.  If a buyer chooses to not apply for a loan through a lender that can finance this property, the earnest money could also at risk because financing contingencies are usually based on the Buyer’s ability to qualify for the mortgage. If the loan is turned down because the buyer chose a lender that doesn’t have a financing program to fit the property even though local financing was readily available, this generally does not entitle the buyer to a refund of his earnest money.
 
Buyers often turn to their local banks because they have developed relationships with them and trust their judgment. Unfortunately, these lenders have usually had no experience with this type of property. When they say they don’t think they will have a problem, they are telling the truth. They really don’t think they will have a problem. As previously stated of the financing attempts of this type that our company has witnessed have failed and they all had one thing in common: Every single loan officer, often a trusted loan officer of the buyer, was truly sure they wouldn’t have a problem right up until the loan denial.  Another reason people choose lenders out of our area is that they think they can search the internet and find a better interest rate or better terms. The same pitfalls apply. These lenders are not familiar with our market or these types of properties and their failure rate is about the same.
Financing a condo, particularly if it is in a property with an onsite rental management program, is very different than financing a primary residence. Financing is readily available through our experienced local lenders.
 

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Q. What is a “Condotel”?
Gena:  We’re using the term “condotel” to include a broad group of properties which typically have one or more “Hotel” type characteristics. Typical features could include an onsite rental office; onsite commercial space(s) such as restaurants, day spas, convenience stores, etc.; PBX phone system; high-level guest services such as 24-hour check-in, daily maid service, concierge, valet parking, etc.
 
Q. Why is my choice of a lender to finance my condo purchase so important?
Gena: It’s important because in my years of selling condos in the financing attempts through inexperienced lenders have caused more problems than any other single factor, resulting in loan denials most of the time. This is also important because it is the easiest problem to prevent.
 
Q. Why can’t I just find the best residential mortgage loan program and use it to finance my purchase of a resort condotel?
Gena: Financing is often property-specific and certain loan programs will not work for certain properties regardless of the strength of the borrower. This concept is alien to some lenders. The reasons for this have nothing to do with the quality or location of the property.
 
Q. Why do lenders resell loans and why does this make a difference?
Gena:  The secondary loan market is set up for residential properties for primary residences, second homes, and investment-and there are guidelines to determine what properties qualify. If a property doesn’t qualify, the lender cannot sell the loan through one of the agency entities (Fannie Mae – Freddie Mac).  Lenders can still make money on loans they can’t sell (such as they do on commercial loans). However, since they tie up assets for potentially long time periods, the returns (interest rates) generally must be higher to justify these.
 
Problems arise with inexperienced lenders because many resort like condos are somewhat commercial in nature. They have onsite rental desks, daily maid service (like a hotel), onsite restaurants, etc. These are considered by many buyers and most visiting vacationers to be positive factors. Unfortunately, secondary loan market guidelines cause these type properties to be categorized as a “condotel” and therefore ineligible for the secondary loan market. This is what typically causes a residential loan on a condotel through an out-of-area lender to be denied at the last minute.
 
Q. Does this mean there’s nothing really wrong with a condotel?
Gena: There is nothing wrong with condotels just as there is nothing wrong with restaurants, hotels, office buildings or any other properties that could typically be described as “commercial” in nature. As previously stated, many of their characteristics actually may make them more desirable to a second home owner than a detached house.
 
 Q. Are the same loan programs available for all condotel buildings?
Gena: No. Available loan programs can vary significantly from one building to the next. Relevant factors may include the service level and the precise location of the rental desk (inside the building or not, for example), the size and configuration of the individual condominiums and whether or not there are timeshare units in the complex, just to name a few. Also, if a buyer already owns another property along the coast this could affect the loan. As noted, interpretations also vary over time and from lender to lender.
 
Q. Are terms and interest rates the same for condotel loans as they are for primary residence loans?
Gena:  Interest rates are sometimes slightly higher than rates for primary home loans and a larger down payment is sometimes required. Also, 30-year fixed rate financing is typically not available. The reason is that lenders consider these to be riskier loans than those for primary residences. If a borrower experiences financial difficulties, they will stop paying on their second home or investment loan before they stop paying for the roof over their head. Even more importantly, since these loans are typically not sold, any profit the lender makes is based on the “spread” between the interest rate charged to the borrower and the interest rate available to the lender. And since this is the case for the life of the loan, lenders want the rates to be able to adjust as prevailing interest rates change.
 
Q. Are condotel loans risky for the lenders that specialize in them?
 Gena:  In our area at least, these loans have historically had very low default rates. Most of the Buyers are relatively affluent with strong assets and reserves. They also typically have good credit scores which they will go to great lengths to protect. Of course during times of hardship such as the recent recession, defaults increase as they do with other types of mortgages.
 
Q. Does it matter which of the local lenders I choose to finance my resort condo purchase?
Gena: Yes, not all of our local lenders can provide financing for all properties. Lenders, like most service providers, often specialize and some do not have programs for condominiums.
 
Q. Condos are obviously not as easy to finance as detached houses. Should I be worried that there won’t be available financing when and if I try to sell my condo?
Gena:  Through the year’s working with condos, there has always been reasonable financing available for qualified buyers although the lineup of the “best” local lenders has changed frequently. This is a lucrative market for lenders and with baby boomers expected to buy millions of second homes in the coming years; it is unthinkable that no lenders would choose to take advantage of that opportunity.
 
Q. Is it ever OK to use a lender who does not have resort condo experience?
Gena:  Yes of course, a “Signature” Loan- In other words, your position with the lender is so strong that your signature will get you a loan regardless of why you’re borrowing the money. The lender is treating this as a ‘portfolio” loan which it does not intend to sell.  Commercial Loan- Some buyers put down more money and structure these as commercial loans. There still could be problems if the lender is not familiar with our market.
 
Q. What if I carefully consider all factors and still decide I don’t want Condotel financing terms?
Gena:  The easy answer is to simply buy in a property (Condo) that is eligible for conventional financing (Warrantable Condo it meets Fannie Mae guidelines). There are plenty in our area. Ask me to help you find these properties. The rules are confusing and the list of eligible properties changes frequently as rules are periodically changed or as interpretations change.  The other solution is to pay “cash”. This is not necessarily as difficult as it sounds. Many “cash” buyers actually just borrow against some other asset which gives them more favorable terms. Home equity loans, leveraged stock portfolios, etc.
 
Q. This sounds so complicated—how will I learn all this?
Gena:  Good news you don’t have to. Your experienced agent who works with condos can help you.  Experienced condo agents constantly monitor the local competition so that they can help their clients connect with some local lenders that can service their needs.    
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Dune Side in Blue Mountain Beach

11/11/2016

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See South Walton's new community on 30A, Dune Side at Blue Mountain Beach.  

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Just west of the Red Fish Village 4 way intersection you will find  nestled in the heart of Blue Mountain Beach, Dune Side is a quaint neighborhood consisting of just 22 homes. Dune Side at Blue Mountain Beach features gracious lots allowing for private pools, and large owner's park area. The builder Chi-Mar Construction, a full-service builder specializing in single-family homes in the Destin and 30A area. You can choose from many different floor plans. You can personalize your home if you act now. LOCATION, LOCATION, LOCATION Free shuttle to the beach during the summer season
Click here to see availability homes, hurry they are selling fast.  

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October is a great time of year to sell or buy at the beach

10/24/2016

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This is always a great time of the year to list your home or buy new vacation home at the beach. 

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         October is considered the best month here. The crowds are gone, the weather is amazing and the Gulf is still warm enough from the summer heat for swimming.





October sunsets over the Gulf are truly a treasure, offering spectacular vistas almost every evening.
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The weather is getting a little cooler, football season is half over. We have had a longer than normal rental season this year and if you have tried to see homes or condos you could have been a little disappointed due to more being rented longer than normal. Now is a good time before the snowbirds come in January. 
Call me and let me help you with all your real estate needs. Or go to www.sowal30a.net  and start your search here.  

Come and enjoy October at the beach. 

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Serenity at Dune Allen

6/12/2016

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Serenity at Dune Allen at new home community on west end of 30a.  

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A great community on the west end of 30a, just behind Stinky's Fish Camp    
These coastal cottages are only a short walk to Dune Allen Beach. Ready to be on 30a but don't want all the crowds? This community could be for you.  Great Prices starting under 400k. 


Click here to see homes available.

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Sandestin, Miramar Beach, Santa Rosa Beach and 30A areas -- Market Update

4/22/2016

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Sandestin, Miramar Beach, Santa Rosa Beach and 30A areas -- Market Update

Want to find your place here along the Emerald Coast in the South Walton area?
There's much to enjoy and I'm here to assist you.  You can search the area on my website:  www.SoWal30A.net    Here's a look at the activity in all of Walton County...
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30a Beach Front Condominiums for Sale 

6/30/2015

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Immeasurable Florida Beauty as far as the eye can see. 

The views are magnificent on 30A. South Walton County Florida  is nothing short of breathtaking.   The crystal blue waters of the majestic emerald coast shimmer like an immeasurable expanse of precious gems.  See these captivating views from some of the prestigious condos in the world located here on 30A. 

30a Beach Front Condominiums for Sale 


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South Walton and 30a Real Estate Report for May 2015 

6/28/2015

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See the latest South Walton and 30A real estate report for May 2015  

The South Walton and 30A latest real estate report for May 2015 includes statistics for single family homes in Walton County, Florida. 2015 for real estate in South Walton has started off with a bang. Closed sales for single family homes county-wide were up 19% over the same month last year. New pending sales of single family homes are up a whopping 31%.

This report for May 2015 in Walton County summarizes sales and listing statistics of single family homes. The Walton County Real Estate Report for is produced by Florida REALTORS® and provided by the Emerald Coast Association of Realtors® (ECAR).

The Real Estate Report includes real estate information about South Walton County and Scenic 30A, Inlet Beach, Rosemary Beach, Seacrest, Alys Beach, WaterSound Beach, Seagrove, Seaside, WaterColor, Grayton Beach, Blue Mountain Beach, Santa Rosa Beach, Sandestin, and Miramar Beach.

Statistics are accurate as of the date they were generated as indicated at the bottom of each report. Reports created at other times or under other circumstances may produce different results.

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Wonderful Beach Front Home on 30A

6/11/2015

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BEACH FRONT HOME. $3,950,000

Move in and enjoy maintenance free luxury living for years to come with this recently renovated gulf front estate with private pool and panoramic views of our brilliant white sands and emerald shores. Renovated top to bottom in 2012 with a multitude of upgrades added after “completion” in 2013 including a whole house natural gas generator and full exterior paint. This home is gulf front luxury living at its finest with the gulf to the south, Santa Rosa Golf Club to the north and is centered between public beach accesses. 

This location is perfect for that discerning buyer looking for privacy and security. Arriving at the home you will immediately notice the exquisite level of exterior detail with a privacy fence, electronic gate, brick paver drive with ample parking space and an extensive landscaping package that includes dramatic automated lighting and turf grass (great for Fido!). The exterior offers over 1,900 sq ft of living and entertaining space featuring Ipe decking, gulf front gas fuel heated pool, a private beach walkover, expansive deck space, outdoor kitchen, fish cleaning station and shower. The 32' second level porch spans the width of the home and the third floor 18' master balcony provides expansive gulf views.

The interior offers approximately 3,824 square feet, 5 bedrooms, 6 baths and is wired for whole house security. High end features and finishes include; wire distressed oak wood flooring that was refinished in 2013, 10' ceilings, granite countertops, built-in desk, tile & glass back splash and stainless steel appliances including an ice maker. The first level features a grand foyer, two gulf front bedrooms both with private baths and direct access to the deck, pool and two car garage with added loft storage. Follow the grand staircase to the second level living area, kitchen, dining area, two bedrooms both with private bath as well as an additional bath and laundry with access to the stairs leading to the pool and gulf. The third level features the master suite gulf front bedroom with sitting area, wet bar with beverage center, master bath with walk-in glass shower and double shower heads, separate Jacuzzi jetted tub, water closet and his and her closets. Each bedroom has a flat screen TV. One of the second level bedrooms and/ or her master closet could easily be converted to a bunkroom or nursery to maximize sleep space.

 The lot offers 75' of gulf frontage and 435' depth allowing room for additional garages and carriage house if desired. This property centrally located two doors down from the Vue on 30A Restaurant, .3 miles to the unique boutique shops at Gulf Place. Stinky's Fish Camp is one mile west, bike paths and the Santa Rosa Golf and Beach Club are steps away. 

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30a and South Walton County Distressed Properties 

5/11/2015

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30a and South Walton County foreclosures and short sales. 

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Click here to see all the foreclosures and short sales on 30a and South Walton County.  

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Gulf Shore Manor -Seagrove Florida 

4/29/2015

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1/2 mile east of Seaside - Gulf Shore Manor is in the heart of 30a Real Estate 

Relax and step into your own piece of paradise
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Walton County and 30a Coastal Dune Lakes 

4/19/2015

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Very nice video about our Coastal Dune Lakes here in Walton County

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Forest Lakes on Scenic 30A

2/21/2015

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Forest Lakes on 30a in Santa Rosa Beach Florida 

Forest Lakes on 30a is growing, if have have not been back to see this smaller community on the west side of 30a. This neighborhood seem to have it all. Beautiful narrow streets of brick reminds you of the old Charleston look by the bay. WONDERFUL pool and lakes for fishing.  
Click here to see homes 
From 30A & South Walton
From 30A & South Walton
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SoWal 30A - Your Beach Awaits 

2/18/2015

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Just a warm thought from SoWal 30A. Your Beach Awaits 

Spring is almost here! 
Sandestin, Destin and South Walton's scenic 30a Real Estate
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30A-Real Estate 

2/15/2015

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  South Walton's Scenic 30A Real Estate 

30A Communities
30A and South Walton Real Estate Communities
Alys Beach
Blue Mountain Beach
Dune Allen Beach
Forest Lakes
Grayton Beach
Gulf Place
Highland Parks
NatureWalk
Rosemary Beach
Santa Rosa Beach
Seacrest Beach
Seagrove Beach
Seaside
PROMINENCE
Watercolor
Watersound
The Origins
West Beach
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Real Estate Blog 

12/15/2012

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I started my real estate blog !

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I have started a real estate blog today- OK whats next. 
I have been told by the "experts" in our business I really need to do this so that I have a platform to communicate what is I do.  


I really would like this blog to be about this wonderful place were we live.
It really is like Mayberry at the beach! 

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I have never done "anything" like this before and I am sure it will show in my writing. Having said that: I would like this blog to be read  like we were having a cup of coffee together and just talking...The conversations over coffee have filled my life with the most wonderful memories.

As a young girl lying in bed, I remember the house having an early morning stillness, then I would hear my Dad moving around in the kitchen and I would see a dim light as it filters through the rest of the house. I would hear the familiar sounds: The cabinet door opening and a coffee cup being placed on the counter top, the coffee maker being turned on and it slowly increasing hiss and providing a wonderful smell though out the house.  I would hear my Dad pouring a cup to take to Mom before making one for himself. The simplest of rituals can be most treasured childhood memories.
I always thought important conversations in life must happen over a cup of coffee. For that matter everyday conversations must happen over a cup of coffee.  When I was growing up, my parent’s house was a hub of people visiting. Friends, neighbors and family would come over and the first thing my parents would ask when they walked through the door was: “Would you like a cup of coffee?”
 This simple ritual, long established in my parent’s house, has moved in with me at my own house. The coffee machine is the star of our kitchen. Can you guess what is the first thing we ask when people come to visit? “Would you like a coffee?” Once the coffee is made, the conversation begins.  

Many people here call this place paradise... 

Even Paradise has its share of problems and controversies. While the rest of humanity is wrestling with topics like unemployment, homelessness, terrorism or the federal deficit, we tend to hyper-focus on things like “traffic” and parking. We fret about noise ordinances, mosquito control and wedding venue regulations. 
 Our community has a mixture of people. Though we may disagree on things like politics along with other things (bike paths uses), we all share the same wonderful place we call home. And frankly, it’s pretty hard to tell who’s who, because we’re all wearing t-shirts and flip-flops. The price for living in Paradise isn’t cheap … but it’s a price that we’re all happy to pay. 

Hope you enjoying reading my blog from time to time and checking in on us here when you can. 

God Bless, 
Gena 

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    Gena Bolton
    Realtor 
    (251) 366-0423 (c)(850) 650-6985 (o)
    Gena@SoWal30a.com

    Daily Goal: 
    "I want my everyday to make God belly laugh, glad that he gave life to someone who loves the gift.”

    I am 100% dedicated to helping you find your dream home or sell your existing property. I will tailor my services to meet your individual needs and goals. My commitment to you is to provide the personalized real estate services you deserve. Anything less is a disservice!

    I look forward to helping you with with your Real Estate Needs.  

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    LIVE BEACH CAM
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    Sandestin
    BEACHSIDE
    • Beachside I &II
    • Beachwalk Villas
    • Island Estates
    • Lulu I & II
    • One Beach Club
    • Pine Ridge
    • Southwinds I, II, & III
    • Tivoli
    • Westwinds
    BAYSIDE WEST
    • Augusta Village
    • Bayou Village
    • Cove on the Bay
    • Fairways
    • Golf View
    • Grand Harbour
    • Harbour Point
    • Heron Walk
    • L'Atrium
    • Linkside
    • Players Club
    • Sandpiper Village
    • Vantage Point
    BAYSIDE EAST
    • Anchorage
    • Baypine Cottages
    • Baytowne Avenue
    • Bungalos
    • Burnt Pine
    • Crystal Cove
    • Crystal Lake
    • Deerwood
    • Del Mar
    • Fountains
    • Genoa
    • Island Green
    • Laurel Grove
    • Legend Creek
    • Magnolia Bay
    • Magnolia Village
    • Prestwick Place
    • St. Andrews
    • Troon Drive
    • Turnberry
    • Villa Lago
    THE VILLAGE
    • Bahia
    • Elation
    • Grand Sandestin
    • Lasata
    • Le Jardin
    • Market Street
    • Observation Point
    • Pilot House
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    • Aegean
    • Barataria
    • Breakers East 
    • Century Park 
    • Crystal Dunes 
    • Crystal Sands 
    • Crystal Villas
    • Destin Gulfgate 
    • Destin Harbor Place 
    • Destin Harbor Resort 
    • Destin on the Gulf 
    • Destin Towers
    • Destin Yacht Club 
    • Dolphin Point 
    • Dunes of Crystal Beach 
    • East Pass Towers 
    • Emerald Dunes
    • Emerald Grande
    • Emerald Towers 
    • Grand Harbor 
    • Grand Mariner 
    • Gulfshore 
    • Harbor House of Destin
    • Harbor Landing 
    • Harbor Lights 
    • Holiday Isle Condo 
    • Holiday Isle Towers 
    • Inlet Reef Club Condo 
    • Inn at Crystal Beach 
    • Islander 
    • Jade East Towers 
    • Jetty East 
    • Magnolia House 
    • Marbella 
    • Martinique 
    • Nantucket Rainbow Cottages 
    • Oak Harbour 
    • Oceania 
    • One Water Place 
    • Palms of Destin
    • Pelican Beach Resort 
    • Poolside Villas 
    • Regatta Bay Golf Villas 
    • Regency Towers 
    • Sandpiper Cove
    • Seafarer 
    • Sealoft 
    • Shoreline Towers 
    • Sides Moreno Point West 
    • Silver Beach Towers 
    • Silver Dunes 
    • South Bay by the Gulf 
    • Silver Shells 
    • St Barth at Silver Shells 
    • |St Croix at Silver Shells
    • St Lucia at Silver Shells 
    • St Maarten at Silver Shells 
    • St Thomas at Silver Shells 
    • Sterling Sands
    • Sterling Shores 
    • Sun King Towers 
    • Sundestin Resort 
    • Terrace at Pelican Beach 
    • Tides
    • Tranquil Harbor 
    • The Ultimate 
    • Villa Coyaba 
    • Waterview Towers  
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    • Destiny 
    • Destiny East 
    • Destiny by the Sea 
    • Tuscany 
    • Dunes of Destin 
    • Calusa Bay 
    • Terra Cotta Terrace 
    • Holiday Isle 
    • Crystal Beach 
    • Destin Pointe 
    • Kokomo Kove 
    • Emerald Lakes  
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    “This is the beginning of a new day. God has given me this day to use as I will. I can waste it or use it for good. What I do today is very important because I am exchanging a day of my life for it. When tomorrow comes, this day will be gone forever, leaving something in its place I have traded for it. I want it to be gain, not loss — good, not evil. Success, not failure in order that I shall not forget the price I paid for it.”  Bear Bryant ​
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