Tee Off in Paradise: Exploring Golf Destinations in Destin, Florida

When it comes to golfing in paradise, Destin, Florida, is a golfer’s dream come true. Known for its stunning emerald-green waters, sugar-white sand beaches, and a plethora of outdoor activities, Destin also boasts a variety of world-class golf courses that cater to golfers of all skill levels. In this article, we’ll explore some of the best golf destinations in Destin, showcasing the scenic beauty and challenging fairways that await avid golf enthusiasts.

Emerald Bay Golf Club
Nestled along the shores of Choctawhatchee Bay, the Emerald Bay Golf Club is a gem among Destin’s golf courses. Designed by the renowned Bob Cupp, this 18-hole championship course offers not only challenging fairways but also breathtaking views of the bay. The lush landscaping, natural vegetation, and well-placed water hazards create an unforgettable golfing experience.

Kelly Plantation Golf Club
Kelly Plantation Golf Club is another golfing masterpiece in Destin. This Fred Couples and Gene Bates-designed course takes you on a journey through an exquisitely maintained landscape. Set against the backdrop of Choctawhatchee Bay and Lake Kelly, the course features scenic vistas at every turn. The challenging layout rewards both accuracy and distance off the tee.

Regatta Bay Golf & Yacht Club
For a golfing experience that combines elegance with a challenging game, the Regatta Bay Golf & Yacht Club is a must-visit. This course, designed by Robert C. Walker, winds through a lush nature preserve and offers panoramic views of Choctawhatchee Bay. The meticulously manicured fairways and greens are a golfer’s delight, and the 6,894-yard layout provides an enjoyable challenge.

Sandestin Golf and Beach Resort
The Sandestin Golf and Beach Resort is a golf haven in Destin, offering multiple championship golf courses. Whether you choose to play The Links, Raven Golf Club, Baytowne Golf Club, or The Burnt Pine Golf Club, you’ll encounter unique layouts and stunning views. The resort’s diversity in golf experiences ensures that every golfer finds something to suit their style.

Indian Bayou Golf & Country Club
Situated conveniently within Destin, the Indian Bayou Golf & Country Club provides golfers with a traditional Florida golfing experience. This course offers 27 holes designed by Earl Stone, featuring tree-lined fairways and strategically placed water hazards. The club’s dedication to maintaining excellent course conditions ensures an enjoyable round for all.

 

Destin, Florida, is not just a beach lover’s paradise; it’s also a golfer’s haven. With its stunning coastal landscapes, lush vegetation, and challenging layouts, Destin’s golf courses offer an unforgettable golfing experience for players of all skill levels. Whether you’re a seasoned pro or just looking to enjoy a leisurely round in paradise, Destin’s golf destinations are sure to leave you with lasting memories of both the game and the beautiful surroundings.

So, pack your clubs and sunscreen, and get ready to tee off in one of Florida’s most picturesque and golf-friendly destinations. Whether you’re golfing by the bay or surrounded by lush nature preserves, Destin’s golf courses promise an experience you won’t soon forget.

Pelican Beach Resort Stay Rules

Following are the rules published by resort management for our guests staying at Pelican Beach Resort, Destin Florida

We are happy to have you as our guests! Below are our “Resort Rules” which we ask that you respect. Please take a minute to read them.

SECURITY OFFICERS are empowered to assist in the enforcement of RULES, including the EVICTION of RENTERS from the condominium units. RENTERS may face ARREST or EVICTION for criminal activity or the violations of RULES regarding NOISE, UNDERAGE DRINKING, throwing things from the BALCONIES and SMOKING.

  • Dropping items from BALCONIES is a 2nd degree FELONY punishable by time in PRISON or on probation, and fines of up to $10,000.
  • LEGAL AGE for drinking ALCOHOLIC beverages in Florida is 21 YEARS. An ADULT who supplies alcohol to minors can be ARRESTED, FINED and JAILED.
  • The guest/renter signing in and responsible for the unit must be 25 years old or older and must bear responsibility for all the group. No more than 6 guests in a 1- or 2-bedroom unit, and 8 guests in a 3-bedroom unit are allowed. Parents must occupy the unit and proactively supervise their children. One adult (responsible person over 25) for every three children is required in each unit. Underage children cannot be left unsupervised in the units. Please SLEEP in the same unit as your CHILDREN and ensure they are supervised during your entire stay.
  • Friends of owners do NOT have the same privileges as owners.
  • Visitors and non-registered guests are not allowed to the resort at any time.
  • All registered guests must wear wristbands to use the resort, which will be placed during check-in during certain seasons. Security staff will escort any guests NOT wearing wristbands off the property. There is a $25 replacement fee for lost wristbands.
  • Up to 2 parking passes per unit will be issued. Vehicles not displaying valid passes on their windshields will be denied entry and parking. Vehicles without a valid parking pass will be towed at the owner’s expense.
  • Draping of towels or clothing or other items over the BALCONY RAILING is not allowed.
  • Dogs and other pets are not allowed into the resort. Violation will result in eviction.
  • Do NOT use the TRASH CHUTES between 10:00 PM and 7:00 AM as it wakes up other guests.
  • Do NOT take LUGGAGE CARTS into the units. Return carts to lobby when finished as a courtesy to other guests who need them too.
  • Do NOT feed BIRDS from your balconies.
  • EXCESSIVE NOISE AFTER 10:00 PM can result in EVICTION without refund.
  • Do NOT drag furniture in the units as a courtesy to the lower floor unit.

BEACH AND POOL RULES

  • NO TENTS, CANOPIES, or similar structures
  • NO GLASS bottles or containers. No COOLERS larger than 48 quarts.
  • Private chairs, umbrellas, and cooler set-ups are ONLY allowed behind the beach service set-ups. PARENTS are allowed on a TEMPORARY basis and for short periods of time to sit on a chair or towel while watching small children at the water’s edge.
  • Keep MUSIC to a LOW volume and avoid foul language.
  • Before leaving the beach, place all TRASH in garbage cans located at our beach entrance.
  • “PLEASE STAY OFF” the DUNE RESTORATION area per order of Okaloosa County, Florida
  • Inside/Outside & Dolphin pools & hot tub close at 10:00 PM. Gulf-front pool & hot tub close at dusk as required by environmental laws.

SMOKING of any kind is STRICTLY PROHIBITED anywhere inside the resort footprint and will result with a fine of $250 and eviction without refund. Security will actively enforce this rule. Including units, unit balconies, beach, pools, walkways, elevator foyers, lobbies, elevators, gym and café area.

Rejuvenate and Rejoice: The Newly Renovated Fitness Center at Pelican Beach

Welcome to a new era of wellness and rejuvenation at Pelican Beach Resort! We are thrilled to announce the grand reopening of our state-of-the-art Fitness Center, which has undergone a stunning renovation to provide our guests with the ultimate health and fitness experience. Whether you’re a fitness enthusiast or just looking to maintain your wellness routine while on vacation, our revamped Fitness Center is designed to cater to your every need with its sauna and steam room.

A Modern Oasis of Wellness

Our newly renovated Fitness Center isn’t just a place to work out; it’s a sanctuary of health and relaxation. The moment you step inside, you’ll be greeted by a fresh, modern design that seamlessly blends functionality and aesthetics. 

Cutting-Edge Equipment

At the heart of our Fitness Center is a wide array of cutting-edge equipment designed to cater to fitness enthusiasts of all levels. Whether you prefer cardio workouts, strength training, or flexibility exercises, you’ll find top-of-the-line machines and free weights that will help you meet your fitness goals.

Hydration and Relaxation

Staying hydrated is essential during your workouts, which is why we’ve introduced a hydration station where you can replenish your fluids with filtered water. After your workout, unwind in our pool area, complete with comfortable seating and calming ambiance.

Pool Views

Our Fitness Center offers views of the surrounding landscape and outdoor pool, providing a serene backdrop to your workout. Floor-to-ceiling windows allow you to connect with outdoors while you exercise, creating an immersive and invigorating experience.

 

At our resort, we believe that wellness is a crucial part of a memorable vacation. With our newly renovated Fitness Center, we invite you to embark on a journey of health and rejuvenation that complements your stay. Whether you’re an avid fitness enthusiast or simply seeking relaxation, our modern facilities, top-notch equipment, are here to help you achieve your wellness goals. Join us in celebrating the grand reopening of our Fitness Center and experience the pinnacle of health and fitness in a breathtaking resort setting. Your journey to wellness starts here!

Scuba Diving in Destin

Destin is a vacation destination unknown to many, at the Panhandle of Florida watching the Gulf of Mexico. Destin traces its immediate history to a fisherman, Leonard Destin, who moved here from New London, Conn., and settled in Northwest Florida about 1845. For decades, he and his descendants fished and navigated the only channel passage to the Gulf of Mexico between Panama City and Pensacola, known as Destin’s East Pass. It is a small fisherman town between Panama Beach and Pensacola, which expanded into vacation rental type of accommodation with its variety of condominiums on the shoreline.

In our stay, we chose Destin Condo Rentals by Owner to rent a condo at famous Pelican Beach Resort. One bedroom condos at the front of the building with panoramic views.

Destin is one of the best dive destinations in the US. Because of the unique geographic location, deep sea diving is only minutes away from Destin. A natural reef is carved out of limestone, it’s ledges covered with coral and sponge.

A man made artificial reef is also located nearby depths at sixty to over 100 feet down. This is where a lot of experienced divers go to explore old ship wrecks that have been placed here to attract bait fish, which in turn attracts large trophy fish. There are four Navy vessels here including a Liberty ship, as well as an old tug boat, some airplanes and even parts of the original Destin Bridge! Clouds of fish may be seen in all sizes from small tropical beauties to large game fish. The reef attracts the Amberjack, Cobia, Flounder, Grouper and Snapper 

White Hill Reef

6 miles southwest of Destin’s East Pass, White Hill Reef is a single limestone ledge approximately 5 feet tall and hosts many fish and sea critters. You may see frog fish, brittle stars, anemones, toad fish, scorpion fish, octopus, spotted eels and tropical fish. White Hill Reef is very close to the Thomas Hayward Liberty Ship, therefore more abundant with game fish such as, gag and black grouper, scamp, red snapper, white and black snapper, flounder, trigger fish and much more.  

Amberjack Rocks

Located approximately 4 miles south of Destin’s East Pass. Amberjack Rocks is a single limestone ledge approximately 6 feet tall running east and west parallel to the shoreline. This reef faces to the north with a J curve on the west end. This reef is home to amberjack, grouper, snapper, flounder and trigger fish along with an abundance of tropical fish, octopus, eels and more. A good first time dive because its fairly easy to navigate.

Shoreline Reef 

4 miles south from Destin East Pass, this is a single ledge with many large boulders with deep cracks and crevices. Shoreline Reef is approximately 5 feet tall and runs north and south then turns east and west; being home to octopus, scorpion fish, toad fish, eels and an abundance of game fish such as, amberjack, grouper, scamp, snapper, trigger fish and more.

Long Reef 

4.5 miles southeast from Destin East Pass, reef is approximately 2 to 4 feet tall and runs north east, southwest, primarily facing northwest. It has a short double ledge running parallel to the main ledge. It is home to frog fish, many tropical fish and is good for macro photography. Also home to shovelnose lobster.

Labor Day Rock 

5 miles from Destin East Pass, this is a large round rock with many cuts and crevices. This reef is shallow, very easy to navigate, and is usually very fishy. It is home to many black snapper along with grouper, red snapper and amberjack. Not uncommon to see nudibranchs here and shovelnose lobster.

Thomas Hayward Liberty Ship

Wreck was put down as part of the artificial reef program in 1972. It is approximately 380 feet long and lays on the ocean floor. The mid ship has a crack running across the ship, where the fire furnaces were located. You can still find bricks although they were scattered during hurricane Opal. The north end has a second crack running across, although one side has fallen and the end is now twisted. The ocean floor is 87 feet and the top of the deck (wall) is 68 feet.

Common to see sharks, southern sting rays and eagle rays. In the summer there is an abundance of barracuda, amberjack and spade fish. Common to see goliath grouper and an assortment of other critters.

The “Janet” Tug boat

11 miles southeast of the Destin East Pass, this 85 foot tug boat sits in 100 foot of water and sits upright with a top depth of approximately 70 feet. The tug boat sits on the sea bed. This wreck normally has schooling amberjack and at the right time of the year its not uncommon to see cobia and the large southern sting rays. High profile so it’s a great computer dive.

Barrel Barge

This barge was sunk as part of the artificial reef program. It sits in approximately 74 feet of water and lays on the sea floor.. This barge was deployed with round fuel tanks on top with holes cut in them for a fish habitat and a dump truck bed welded on top of the tanks. When hurricane Andrew came through all the fuel tanks rolled off, surrounding the barge and the dump truck bed was never found again. This dive is easy to navigate, it is a good second dive since its approximately 60 feet to the top and is good for new divers.
Usually an abundance of amberjack, spade fish, red snapper and flounder. In the spring there is usually a lot of shovelnose lobster, making this a great night dive.

Destin Bridge Rubble

Old Destin Bridge turned into a reef as part of the artificial reef program. The site has three distinct reefs. The Main Stack has a profile of 58 feet to 69 feet. It has big slabs of roadway along with concrete rubble. Lots of hiding places for fish, lobster, eels and octopus. Turtles, manta rays, sharks along with an occasional whale shark have been seen on the bridge rubble. The other stacks of rubble are not as large, but interesting in there own way.  

“Miss Louise” Tug Boat

Located  7 miles down the east beach from the Destin East Pass, it sits in 57 feet of water. This wreck was put here as a open water training site for beginner classes. The Miss Louise was sunk in 1997, she is an 85 foot push tug with 25 foot push pads on the north bow of the wreck. She sits pointing north to south and she used to have a profile of 25 feet to her top. Unfortunately after many storms her wheelhouse has been torn off never to be seen again. Her top deck is now 45 feet deep and great for training dives.

Miss Louise is great place to see goliath grouper, angel fish, Spanish mackerel, spade fish, octopus and more critters. We have seen whale sharks, turtles, and lots of barracuda here as well.

3 Effective Tips for Fishing from A Charter Boat

Fishing from a boat for the first time can be quite a mix of excitement and fear. While heading into deep water is a bit scary the first time, it need not be dangerous or overwhelming. The trick to getting comfortable fishing from a boat is to truly understand the experience, asking questions, and to find a captain you can trust. 

Before you buy the boat and all the gear and head out into the salty brine, you maybe want to try a charter boat fishing expedition first. The experience of a seasoned captain and crew makes the difference.

Understanding the Experience 

Charter boat deep sea fishing is a different experience from one charter to the next. It is important to understand before you book your fishing trip that you know what the experience is going to be. That process lets you formulate questions to ask so that everything is clear from the start. 

The experience includes the fishing – what are you fishing for, how does the fishing occur, how long is the trip, and what you need to bring. Some boats may supply water or soft drinks or not. Having water available is a must when you fish. 

Sometimes you troll for fish and other times the crew lays down a chum trail and you fish in one spot. If you are prone to sea sickness, trolling may be a better option for you as the boat is moving rather than bobbing up and down in one spot. 

Be prepared for small medical situations, like a hook in the finger. It happens. Most charter boats have a first aid kit, but don’t rely on the boat to be your lifeline. Pack a basic first aid kit with bandaids, asprin, sunscreen, and motion sickness meds. If you are fishing with a mixed party boat, you may opt to save someone’s experience by sharing. 

How the boat fishes is a big deal – You want to understand going in if the trip will be trolling, chumming, or both. Fishing from a boat when you are new to fishing takes a little getting used to. The motion of the ocean can be tricky and getting your legs under you while casting and fighting fish takes practice. You can practice from a floating dock at home before you head out to the deep water. 

Charter Fishing

Asking Questions

There are no stupid questions, and a good captain is aiming to make your fishing adventure on their boat something that is not only positive, but exciting enough that you will come back for more. Asking questions allows the captain, crew, or booking party to set you up to succeed. 

Common questions are:

  • What Do I Need to Bring?
  • Do You Supply the Fishing License? 
  • Are there fishing limits?
  • How experienced Do I need to be?

Likewise, the captain will want to know about you and your fishing experience. That information can enable the captain to pair you with the right mate on the boat. The mates are often the ones who teach you and show you how to fish in deep waters. They are also the ones who help you when you tag that big Marlin. 

Find the Right Captain 

A good charter company should be approachable and happy to answer your questions. They should be willing to give you information and take the time to make sure you are prepared for fishing off a boat for the first time – even if you are an old pro. 

The charter’s website should be full of information that easily answer common questions and provides the visitor with an overall picture of how the charter works and what the expectations of the captain are for each of the anglers who choose to boat fishing for beginners a go. 

The overall experience of communicating with the charter should leave you feeling excited, prepared, and comfortable. A good captain will easily make you feel welcome and valued. 

FAQ

  • What You Can Do to Get Prepared
    • Make sure you have your fishing license – check with the charter to see if they provide the license.
    • Check with the charter about what they provide and fill in the gaps with the gear you need. Chances are you will not need any fishing gear. You may need food and water – bring more than you think you will need. 
    • Exceptional fishing adventures leave nothing to chance. 
  • Prepare to Learn the Boat
    • The captain will go over the days schedule with the charters. If the fish are not biting in one location be prepared to relocate to another spot. Weather and time of year play a big role in where the fish bite. 
    • Walk around the boat once you board and find the areas where you fish, where you relax, the restroom, and where to stow your gear. Ask questions of the mates as needed. 
    • Watch a few YouTube videos on charter boats and the accepted behavoir of anglers who share the boat with other chartered guests. 
  • Prepare for catching the fish
    • Watch Videos on YouTube of charters catching fish. If you are brand new to fishing, be sure to let the mates know that. They are there to help you learn and to enjoy your day. 
    • Ask questions as needed. If a mate or the captain tell you something that does not make sense, ask them to explain it. Their time is sometimes limited and split among other anglers. You can learn a lot before you get to the boat by watching charter videos and then asking questions. Be straightforward with what your expectations are and what you want to learn. 

Great Vacation spots on Emerald Coast

There is great satisfaction in watching the sunset with sand lodged between your toes. That euphoria of ending the day in a paradise with the love of your life while doing the things you love is unmatched. Florida’s Emerald Coast is a picturesque paradise compared to holidaying in the Caribbean. And who blames them? The Emerald Coast is a knot of therapeutic sights, turquoise waters, and numerous relaxing parks.

The Emerald Coast is a make-up of Destin, Pensacola, Okaloosa Island, Fort Walton Beach, Miramar Beach, Santa Rosa Beach, and Panama City. The beautiful stretch gets its name from its emerald-green water. You could do so much from building sandcastles, snorkeling, swimming, and sunbathing. So whether you are craving an action-packed beach or a lazy Sunday under the sun, I guarantee that you will find your desire at the Florida Emerald Coast.

The Emerald Coast boasts more activities than you could get to enjoy during your trip, and this only goes to say that you will have as much fun building your vacation itinerary as you will on your vacation. It doesn’t matter what spell of the year you visit. Emerald beach is something for everyone. Here are some spots to check out on the Emerald coast;

If you want to find complete solitude with the one you love, Navarre Beach is your dream destination. Navarre beach is a fascinating barrier Island covering over 12 miles of white sand beaches, and it is famous for its quiet and clear Emerald waters. So grab a picnic with your loved one to enjoy one of the beach’s most favored pastimes.

The Gulf Islands National Seashore completely understates Navarre. At the same time, picnic and relaxation rule, the island’s emerald waters are as enticing as its quiet. It is a great spot to go swimming and fishing. The longest pier on the Emerald coast is found at Navarre Beach. There is also an abundance of scenic bike paths and jogging trails to enjoy a ride/run amidst nature.

Big Kahuna’s Water & Adventure Park

Rumored to be one of the Emerald Coast’s largest water parks, Big Kahuna’s Water & Adventure Park is a great vacation destination for families. The Park boasts over 40 water play areas with slides, rides and pools where kids, adults, and families can enjoy some great playtime. The alluring Park also has onsite boarding so you and your family can have a super fun time of relaxation during your vacation without needing to commute.

If you plan on getting accommodation elsewhere, that’s okay too! Big Kahuna offers several day passes you can purchase to join the fun and party. So cool off in the Florida sun while surfing at the Honolulu Halfpipe or enjoy a ride on the Jumanji slide with your partners in relaxation.

Destin Snorkel

If you enjoy snorkeling, then you must go snorkeling in Destin. Destin has one of the most inclusive snorkeling venues in all of the Emerald Coast. There is an assortment of snorkeling tours to consider. Enjoy a good afternoon snorkeling at the protected jetty waters.

Depending on the kind of experience you are looking for, Destin has the best offer for you. For instance, the Shelling Tour covers families and kids in shallow water activities searching for unique things and treasures like shells.

While the Two Stop tour will take you to two varying destinations where you can dive deeper with the help of connected airlines, you will be spoiled for choice!

St. Andrew’s State Park

The St. Andrew’s State Park is one of Panama City’s most beautiful attractions. It is an all-year-round attraction that is said to have the “Best Beach in America.” A perfect getaway for vacationists of all ages, St. Andrew’s. The Park offers many sports like swimming, snorkeling, paddleboarding, kayaking, fishing, and onsite camping.

With over 60 camping sites in the Park, you can sleep under the stars with your loved one and create a lifetime of memories. If you love to travel and relax with your pet, this state park is for you because it is dog-friendly and allows for both pets and service animals. So relax and play as you vacation at one of the Emerald coast’s best destinations.

Crab Island

Holidaying at Crab Island is one of the most popular things in Destin, Emerald Coast, Florida. One fun fact you must know is that Crab Island is not an Island! Crab Island is a raised Sand bar with shallow emerald waters. Enjoy a ride on one of the Crab Island cruises as you experience the beautiful emerald coast without having to lift a finger.

The Crab Island Cruises operate on the principle that guests should rent both a boat and captain and go wherever they want when they want to. As a result, millions of people come to Crab Island to experience this beautiful destination as they mingle on the Sand bar, sip cocktails and soak in the Florida sunshine.

If you want to do all play and no work as you enjoy everything the emerald waters of Florida have to offer, then enjoying a tour on the Crab Island with the Crab Island Cruises is the ultimate goal.

Henderson Beach State Park

At Henderson Beach, dreams become a reality. It is a protected strip of the emerald coast with pristine white beaches and over 6000 feet of scenic shoreline. It is the perfect destination for picnics, relaxation, and weekend getaway camping, fishing, swimming, and sunbathing.

The clear emerald waters are highlighted by scrub oaks, sand pines, and dune rosemary, making the Park more scenic and enticing. The state park has over 60 camping sites that connect with boardwalks leading you straight to the beach, where you can enjoy a day of relaxation and playing water and beach games with family.

Fort Walton Beach

Fort Walton is a fascinating location for indulging in beach activities. It boasts a tranquil shoreline that beckons tourists to slow down and enjoy moments of pure relaxation. In addition, the beach has an all-year-round beach resort community and is open for fishing for the same amount of time.

Fort Walton Beach is a calm and relaxing family destination with hundreds of nearby attractions you can visit during your getaway. Parks, museums, aquariums and other family-friendly attractions near the beach add to its overall appeal for family vacations.

Destin Harbor Boardwalk

As with the rest of the attractions in Destin, spending time on the Destin boardwalk is a must-do. The path will give you access to the waterfront, where you can enjoy Florida’s sandy beaches and enjoy plenty of in and near water fun activities.

You can take a dolphin-watching tour or rent a fishing boat and enjoy a day of fishing on the emerald green Florida waters. Destin Harbor boardwalk offers many fun activities, with fishing opportunities being top on the list.

Seaside

If you want to step into a movie set as a getaway for your vacation, look no further than Seaside. The idyllic town came into fame in the ’90s as a filming location for “The Truman Show.” The picturesque city of Florida’s Panhandle is home to beautiful pastel-colored houses with manicured lawns and picket fences.

You might feel like you live on a movie set, but what is a vacation if it does not escape reality? It is a great weekend getaway location for all kinds of people. If you are looking for a quiet, serene and romantic space, Seaside is it. Also, if you are looking for a family-friendly beach where you play, surf, and soak in the sun under the canopy, Seaside is that place.

Take a romantic walk along the quaint town’s brick-paved streets and enjoy discovering the alluring and straightforward local treasures in Seaside.

Grayton Beach State Park

If you prefer a secluded spot for your summertime swimming and vacation, Grayton Beach State Park is your perfect destination on the Emerald Coast. The state park beach offers clear emerald green waters that beckon a swimmer’s spirit in the summertime. It also boasts two unique coastal dune lakes notorious for the kayaking water sport.

Enjoy biking or hiking on the Park’s several hiking and biking trails to start your beautiful day at the beach and partake in the hundreds of outdoor sports adventures the Park has to offer. You can also take a walk and enjoy an evening gazing at the rate Hemmingway-style wooden houses along the Park’s colorful side streets with enticing art galleries to explore.

Perdido Key

Finally, Perdido Key is a must-visit if you want to vacation along the Emerald Coast of Florida. The oasis of warm gulf waters and white dunes is located on a small strip of land of Florida’s far West. Enjoy a day trip to the Perdido Key and soak in Florida’s stunning views as you soak up in the sun along the shoreline, hike, go crabbing or fishing. The Perdido Key is a perfect getaway from daily life and warrants beautiful sunny days of relaxation.

Underwater Museum of Art

The Underwater Museum of Art is the first permanent underwater sculpture garden in the U.S. Located in the Gulf of Mexico, off of Walton County, Florida. The museum lies at a depth of 58-feet and 1 mile from the shore of Grayton Beach State Park. Each year, a juried selection of sculptural works from artists throughout the world is installed. The sculptures quickly attract a wide variety of marine life and, over time, metamorphize into a living reef. This eco-tourism attraction entices art lovers and divers from around the country and provides a habitat for local marine life and fisheries as well as providing scientists with an opportunity to study marine life and measure the impact of artificial reef systems on the Gulf ecosystem.

Divers who wish to visit the site can take a dive boat off the coast of Grayton Beach State Park. The coordinates for the center sculpture (SWARA Skull) are Latitude N30 18 45.262 Longitude W086 09 33.722.

In addition to providing a site for SCUBA diving that will be unique to the world, the sculptures are designed and selected with their suitability as marine habitat in mind, so even in the absence of SCUBA divers, the Underwater Museum of Art is certain to have many visitors, including schools of baitfish, grouper, sea turtles and dolphins!

Annually variety of works are selected from both local, regional and national artists for deployment. Those who explore the museum will find sculptures ranging from an 8-foot tall deer and a giant pineapple to a massive skull and an octopus.

Pelican Beach Resort New Outdoor Pool now open

We are excited to give this great news. Owners of condos voted last year to build an additional outdoor swimming pool to replace the underutilized sun deck. The project began in February 2020 and because of COVID-19 a bit delayed, and opened in June 2021.

The big pool area is constructed in the place of the sun deck, which was seldom used by guests. It is on the beachfront between dunes and balconies, just next to Tiki Bar area.

The new pool consists of

• New expansive Pool Decking

• Zero-entry Swimming Pool, for kids to play in the shallow area

• Large Outdoor Spa to fit more people inline with demand

• Additional Seating for 80 people with additional beach seating inside the pool

Here are all the details about Pelican Beach Resort swimming pools.

Pelican Beach Resort being one of the most popular resorts in the area, had every year more and more guests. This has increased the usage in the pools as well as hot tub, hence it was time for such expansion. There were also complaints that the legacy outdoor pool is shady in the afternoons. Now you guys will get sun tan all day long. You can book one of our family owned and managed condos here.

Vacation Rental Income Tax

Let us first begin by the disclaimer that I am not a tax professional and my personal opinions may not be correct and does not constitute tax advice

Having my vacation rentals at Pelican Beach Resort, Destin since 2016; I have been learning and learning about income return requirements

What is debt to income (DTI) ratio?

Your debt-to-income ratio is all your monthly debt payments divided by your gross monthly income. While some people are trying to save tax, I was some years trying to pay more so that my gross income can raise in order to be able to get a new loan (capitalism, right !). On the side note, if your monthly payments to gross income ratio is higher than 43% including the projected payments of the new property, it is unlikely that you would qualify for a conventional mortgage. Annual debt also includes HoA payments you make for every condo plus the prospect. Getting a 30 year term loan would decrease your payment, and increase your ability to get the loan.

How to get a vacation condo mortgage?

Getting mortgage for a condominium can be challenging. The big banks we know wants to see new, approved condominium projects to fund. Therefore, you may be likely denied. However, local banks know the market and risk, hence easily approve these mortgages. In Destin, you can use Trustmark Mortgage or Bankcorp South. You may also shop using mortage brokers, who are middlemen but it may be a more expensive loan

Tax Deductable Costs for Vacation Rentals

When January comes, it is time to open the excel to sum up the revenues collected and expenses. I usually categorize the expenses in a column as Advertising, Travel (excl mileage), Cleaning, Maintenance, Commissions, Insurance, Professional Fees, Management Fees, Repairs, Supplies, Real Estate Taxes, Other Taxes, Utilities and HOA Assessments. This helps me to build a pivot table from excel and enter these in Turbotax.

If you spent less than $2500 to buy an appliance, it is deductible as expense. If you spent more than $2500 for an A/C unit, it is an improvement and will be depreciated according to schedule of the improvement but will not be a direct expense for that year. The $2,500 limit refers to individually invoiced items and includes any sales tax. For example, if you buy furniture and the receipt said, “Furniture – table and chairs – $3,000” you would have to depreciate this under the normal rules of depreciation

Also try NOT to claim home office expenses as it may trigger suspicion.

What closing costs are deductable?

Again, you are a vacation rental owner, and make profit from your vacation rental. If you purchased your property recently, you can deduct the origination fees and points from your income without limit. Needless to say, the prorated portion of property tax and HOA for that year is also deductible as business expense

Following closing costs are not tax deductible but added to the property basis, hence depreciated with the property however most of the time they are small compared to the property itself.

  • Attorney fees in connection with obtaining property
  • Commissions
  • State stamp taxes and transfer taxes
  • Tax service fees
  • Title policy fees or title insurance
  • Miscellaneous abstracts of title, surveys, recording of deed

All of us know that there are 2 important milestones, April 15th which is due date for returns; and Jan 31st which is the last mailing date for 1099 forms. In order to avoid underpayment penalty, you should be paying at least 90% of your projected taxes or the amount of taxes you paid previous year, whichever is lower. In order to keep this safe zone, you must be making quarterly payments on rough calculations and the last quarterly payment you can make is due Jan 15th before you file your income tax return.

Tax forms from Airbnb, VRBO/Homeaway, Flipkey/Tripadvisor and Payment Processors

End of January, you should be getting 1099-K forms from vacation rental sites. Airbnb and VRBO send Form 1099K if you earn over $20,000 and have at least 200 or more reservations in the previous year. If you used payment processors such as Square, Stripe, Paypal and had $20,000 and at least 200 transactions, they will also send you 1099-K forms. Tripadvisor/Flipkey sent me 1099-MISC form. It is important that you report your income correctly, hence the income should be equal to or more than the sum of these forms as they also file them to IRS. Even if you do not get any forms, you must be reporting your correct income to IRS. Only exception is if you rented for less than 14 days in the year.

You may see more $ on these forms than you were paid. Some OTAs include the gross payment they collected from the guests, but they keep some of them for them. In such case, you should document and report that difference as expense.

How to file 1099-MISC for your Vacation Rental?

Next step is to send 1099-MISC forms to whoever you paid more than $600 in the subject year. You may have received an invoice, but if the entity is a simple LLC (not S corp), you would still need to give them 1099-MISC by January 31st.

In order to file 1099-MISC, you should get from them a W-9 form stating their personal information and SSN/EIN, as well as a signature saying that they are subject to withholding tax. If you do not get this form when you pay them, good luck getting it later.

1099-MISC is an overwhelming form, it has carbon copies which you would need to distribute around. So better way to handle this is either a Turbotax Desktop version or using Track1099.com (as I do), to file these forms and share it with the recipients. They charge a few dollars for every form and if the recipient does not confirm receipt by email, you can also pay a little more to have them mailed. For housekeepers, you will need to put the amount you paid in Box 1.

As most homeowners aren’t, I am also not a real estate professional

To qualify as a ‘Professional’ for tax purposes, a taxpayer, or their spouse, must meet a two-part test: (1) the taxpayer must spend the majority of his or her time in real property businesses, and (2) the taxpayer must spend 750 hours or more in the real property business and rentals in which he or she materially participates.

So we will report the income as passive income in Schedule E. In such case, if you incurred losses, you cannot deduct it from your overall income but carry it over to next year to offset your profits. Schedule E is a pretty simple form, and Turbox will handle that for you when you answer the questions.

What is Depreciation?

One of your expenses will be depreciation. For real estate, the property is depreciated in 27.5 years. You need to know the purchase price less the land value, and divide it by 27.5 to write depreciation as an expense. Depreciation helps you today but also decreases the base cost of your property. If you bought the property for $275,000 and depreciated every year $10,000 for 10 years, that means every year you had a fictive cost of $10,000 reducing your income, hence tax. However, if you now sell the property for $400,000; while the taxable capital gain is $125,000, you would still pay regular income tax on the depreciated amount of $100,000 (depreciation recapture).

Capital Gain Taxes of Rental Property

When you sell a property you’ve owned for more than one year, the profit (the difference between the net sales proceeds and the tax basis of the property after subtracting depreciation deductions) is generally treated as a long-term capital gain. As such, it will be taxed at a federal rate of no more than 20% (or 23.8% if you owe the 3.8% Medicare surtax). However, part of the gain—an amount equal to the cumulative depreciation deductions claimed for the property—is subject to a 25% maximum federal rate (28.8% if you owe the 3.8% Medicare surtax). The rest of your gain will be taxed at a maximum federal rate of no more than 20% (or 23.8%).

Qualified Business Income (QBI) for Vacation Rentals

We lined up our income and expenses, and have a net income in Schedule E for each investment we have. With the new tax code, there is a significant pass-through benefit which is called QBI. The QBI deduction is potentially available to eligible non-corporate owners of pass-through business entities for tax years beginning in 2018 and extending through 2025. The deduction is scheduled to disappear after 2025, unless Congress extends it. It doesn’t reduce an individual’s adjusted gross income (AGI), but decreases your income. QBI is not reported on Schedule E but on 1040 form (main return).

Qualified Business Income (QBI) Limit for Vacation Rentals

If you pass the Safe Harbor Test (you can find on page 5 of this IRS publication), (in simple terms you and/or your contractors can document with contemporaneous records that you have spend 250 hours for your vacation rental), you can deduct some of your income from Schedule E. The deduction is 20% of your net income, however it is capped.

Above specified income levels, the QBI deduction for income from an eligible business can’t exceed the greater of:

  • 50% of W-2 wages paid by the business, or
  • 25% of W-2 wages plus 2.5% of the unadjusted basis immediately after acquisition of qualified depreciable property used in the business.

It is likely that you will not have W-2 employees, hence the deduction will be the lower of 2.5% of the price you paid for your property and 20% of your net income.

Tax Disclaimer

The information contained herein is general in nature and based on authorities that are subject to change. Author guarantees neither the accuracy nor completeness of any information and is not responsible for any errors or omissions, or for results obtained by others as a result of reliance upon such information. Author assumes no obligation to inform the reader of any changes in tax laws or other factors that could affect information contained herein. This publication does not, and is not intended to, provide legal, tax or accounting advice, and readers should consult their tax advisors concerning the application of tax laws to their particular situations.

Vacation Rental Owner’s Recommendations for Destin

You will see other blog posts here but these are our own recommendations in the area during your stay. You can also have huge savings by using the bookings system of our provide HERE.

We strongly recommend a visit to Destin Marina and Harborwalk Village; there are nice restaurants with a view (AJ’s is the most famous one), kids activities as well as water sports. At nights, you can check if they have fireworks. Sunset is great.

We also recommend the Dolphin tour. We heard that morning tours are much better. You may see the dolphins up close also with the Jet Ski’s. There are 4-5 tour operators for the dolphin tours at the Destin Marina. You can click HERE to book.

You can rent Pontoons for around $150-250 with your car driver license and sail around the Crab Island (under the bridge) or around. You can click HERE to book.

Henderson Beach State Park is a park with limited facilities (restrooms, grill area) but a nice beach. Topsail Hill State park is a further and larger national park, where you can walk in the woods or rent bikes around the lakes and to the shore. Entrance is from W County Hwy 30A. Bike rental closes at 5 o’clock but you can drop your bikes back when they are closed.

Visit Village of Baytowne Wharf preferably at night, there are kid’s activities, a large playground as well as great restaurants and shopping. There is live music and entertainment too. Also do not miss the fireworks. Sunset if also great.

If you like playing golf, HERE is a package for you.

Our favorite restaurants are Back Porch, Crab Trap, Acme Oyster House, Bayou Bill’s Crab House, Stinky’s Fish Camp and Aegean (Greek). Another Broken Egg Café across the street is great for breakfast.

Highly recommend installing Nowait app to your phone. You can enter your name while you are at the condo and avoid long waitlist in restaurants where reservations are not accepted.

We also recommend a visit to the Silver Sands Premium Outlets, 8 miles to the east. They sell designer brands at a discount.

Gulfarium Marine Adventure ParkBig Kahuna’s Water & Adventure Park HERE