Who issues the local permit for your address?
Your parcel decides the office, not your mailing address. Kelly Plantation and Regatta Bay have Destin addresses but sit in unincorporated Okaloosa County. Many Shalimar and Freeport addresses are outside town or city limits too. Okaloosa GIS city limits Shalimar town limits
Destin issues its own permits. Okaloosa County issues them for unincorporated areas, including Okaloosa Island, and for the towns of Shalimar and Cinco Bayou. Other cities use their own building staff. Okaloosa recovery permit guide
Okaloosa County and its cities
| Where the parcel is | Permit office | How to apply |
|---|---|---|
City of Destin | Building Division, City Hall Annex, 4100 Indian Bayou Trail. (850) 654-1119, option 2. Destin Building Division | MyGovernmentOnline (MGO) portal. The owner name must match the Property Appraiser and the contractor must be registered with the city. Destin permit brochure |
Unincorporated Okaloosa, including Kelly Plantation and Bluewater Bay | Growth Management, 1250 N Eglin Parkway, Suite 301, Shalimar. (850) 651-7180. Okaloosa Growth Management Bluewater Bay MSBU | Online through the county's CSS (EnerGov) portal since November 3, 2025. Okaloosa permitting |
Okaloosa Island | The same county office, after review by the Okaloosa Island Leaseholders Association Architectural Review Committee. Okaloosa LDC 3.01.04 | Contact the committee early. The island covenants also require county approval for structures below the high-water line. Island covenants |
Town of Shalimar | Town permit first at Town Hall, 2 Cherokee Road. (850) 651-5723. Shalimar Town Hall | Then the county building permit, with proof of the town permit. County guide for Shalimar |
Town of Cinco Bayou | Town approval letter first at Town Hall, 10 Yacht Club Drive. (850) 833-3405. Cinco Bayou Town Hall | Then the county permit process. Cinco Bayou permits page |
Fort Walton Beach | Building and Inspections, 105 Miracle Strip Parkway SW. (850) 833-9605. FWB Building Inspections | MGO portal only. Paper plans have not been accepted since May 2022. FWB MGO page |
Niceville | Community Development, 212 Partin Drive N. Niceville Community Development | In person or by email to building@nicevillefl.gov. The online portal is listed as coming soon. Niceville HB 803 page |
Valparaiso | Building Department, City Hall, 23 South John Sims Parkway. (850) 729-5402. Valparaiso Building | Paper application, available at City Hall. |
Mary Esther | City permits since August 24, 2026, with plan review by E.P. Consultants (EPCI). City Hall: (850) 243-3566. Mary Esther notice Mary Esther permits page | GovWell online portal. Okaloosa County no longer takes these applications. |
Walton County and Freeport
| Where the parcel is | Permit office | How to apply |
|---|---|---|
Unincorporated Walton, including Miramar Beach, Santa Rosa Beach and 30A | Planning and Development Services, 842 State Highway 20 East, Unit 110, Freeport. (850) 267-1955. Building Division, 117 E. Sloss Avenue, DeFuniak Springs. (850) 892-8160. Walton Planning Walton Building Division Census place status | Tyler EnerGov portal: "My Plans" for Planning and "My Permits" for Building. The Building Division says its Freeport location is temporarily closed. Walton EnerGov |
City of Freeport | City Planning and Zoning, 16040 Business 331. (850) 835-2340. Freeport Planning | City review first. The city approval then goes to the Walton County Building Department. Freeport building process |
Our Okaloosa County and Walton County guides go deeper on each county.
Find the permit path for your waterfront
The office that issues your permit depends on which side of a city line your lot sits. Each local guide below names the permit office for that area, the local rules and the records to gather first.
- Destin: Destin Harbor & Holiday Isle, Joe's Bayou, Indian Bayou, Kelly Plantation & Regatta Bay, Crystal Beach & Gulf-front Destin
- Fort Walton Beach area: Okaloosa Island, Fort Walton Beach, Cinco Bayou, Ocean City & Wright, Shalimar & Lake Lorraine, Mary Esther
- Niceville & north bay: Niceville & Boggy Bayou, Bluewater Bay & Rocky Bayou, Valparaiso & Toms Bayou
- South Walton: Miramar Beach & Sandestin bayside, Santa Rosa Beach, Hogtown Bayou & Point Washington, Freeport & LaGrange Bayou, Choctaw Beach & Basin Bayou, 30A coastal dune lakes
County-wide rules are in the Okaloosa County guide and the South Walton guide.
Local rules that shape a bulkhead design
Every office applies the Florida Building Code. The shoreline rules on top of it differ a lot from one town to the next.
| Jurisdiction | Rule to know |
|---|---|
Destin | For harbor and waterway work, no city permit issues until state and federal approvals are in hand. New bay walls only for redevelopment, with riprap in front. Destin LDC 11.05 Destin LDC 11.01.10 |
Destin | Existing docks, seawalls and bulkheads must be registered with the city, and re-registered when the property changes hands. Destin LDC 11.05.08 |
Unincorporated Okaloosa | The 50-foot setback from mean high water does not apply to docks or bulkheads. A 25-foot vegetated buffer applies along natural water bodies; ask how it fits your lot. Okaloosa LDC 2.19.00 Okaloosa LDC 6.05.05 |
Okaloosa and Walton V and Coastal A zones | A seawall needs a design professional's analysis showing it will not send harmful wave run-up onto neighbors. Okaloosa LDC 3.06.16 Walton LDC 4.09.16 |
Fort Walton Beach | Docks and seawalls must meet FDEP and Army Corps rules. Staff decide dock permits without a board hearing. FWB LDC 5.01.15 FWB LDC 9.01.01 |
Niceville | A seawall is not an accessory structure, so it can be permitted before a house is built. Niceville LDC 7.08 |
Valparaiso | Permits for all piers, docks, boathouses and revetments, with state and federal approvals first. Valparaiso Code 83-21 Valparaiso Code 83-22 |
Mary Esther | The code calls for City Council approval before and after state and federal permits, and an environmental benefit of 25% of project value in the Sound. Ask how it is applied today. Mary Esther LDC 11.05.02 |
Cinco Bayou | Town approval, then a county permit. The town may require an environmental benefit of up to 25% of project value. Cinco Bayou LDC 12.05.01 |
Walton County | No new vertical bay walls except 150-foot infill. No armoring of any kind on the coastal dune lakes. Walton LDC 4.03.03 Walton LDC 4.02.03 |
City of Freeport | New riprap on up to 50 feet of shoreline can be a special use. Seawalls and bulkheads are left out of that list. Freeport LDC 4.01.04 |
The state layer: Florida DEP Northwest District
In Okaloosa and Walton, DEP reviews single-family seawalls, docks and shore protection, not the water management district. DEP and NWFWMD operating agreement NWFWMD permitting page
The Northwest District office is at 160 W. Government Street, Suite 308, Pensacola, (850) 595-8300. Applications go through the DEP Business Portal. DEP Northwest District The district also offers pre-application meetings. DEP NW permitting
| Path | When it fits | DEP fee |
|---|---|---|
Exemption: seawall restoration | Rebuilding at the old line, behind it, or up to 18 inches in front. Section 403.813(1)(e) | $100 to verify |
Exemption: infill seawall | Up to 150 feet between existing walls on a straight line, with limits in estuaries. Section 403.813(1)(o) | $100 to verify |
Exemption: small dock | Up to 1,000 square feet over water, or 500 in an Outstanding Florida Water. Section 403.813(1)(b) | $100 to verify |
General permit: riprap | At the toe of an existing wall, or up to 100 feet of eroding shoreline. Rule 62-330.431 | $250 |
General permit: dock | Single-family dock up to 2,000 square feet with up to two lifts. Rule 62-330.427 | $250 |
Individual permit | Work that fits no exemption or general permit. | $420 for small projects Rule 62-4.050 |
The 2026 statute says a local government may not demand further DEP verification from someone claiming the exemption. Section 403.813 A written verification can still be useful for your records and for a future buyer.
Permitted replacements on the bay face one more rule. DEP will generally require riprap facing, or a full riprap shoreline, instead of a bare vertical wall. Section 373.414(5) See repair or replace for how that changes the design.
State-owned bottom: the second state question
If the bottom in front of your wall is state-owned, called sovereign submerged land, you also need the state's permission to use it. DEP treats that as separate from the environmental permit, though the reviews are linked. DEP sovereign submerged lands
- Consent by rule: no application for exempt seawall restoration and docks, outside aquatic preserves and a few other areas. Seawall or riprap restoration keeps this even in a preserve. Rule 18-21.005(1)(b)
- Letter of consent: for new or replacement seawalls reaching up to 3 feet past mean high water, and riprap up to 10 feet out. Rule 18-21.005(1)(c)
- Lease or easement: for larger structures.
Rocky Bayou Aquatic Preserve
Rocky Bayou east of the State Road 20 bridge is the only aquatic preserve in Okaloosa County. Inside it, the state dock exemption drops to 500 square feet. Okaloosa dock application
No new seawall may go waterward of mean high water in an aquatic preserve. Restoring a wall at its old location, or within one foot in front, needs no consent application, and the statute allows up to 18 inches. Rule 18-20.004 Section 258.42
Choctawhatchee Bay, Destin Harbor and Santa Rosa Sound are not named on the state's Outstanding Florida Waters list. Rule 62-302.700
The federal layer: Army Corps Pensacola Permits Section
The Army Corps' Pensacola Permits Section covers Okaloosa and Walton counties. Its number is (850) 470-9824. USACE office locations
A state permit does not replace federal approval. Raise any change after permitting with the Corps before you build it. USACE Florida guidance Applications go through the Corps' Regulatory Request System (RRS). USACE RRS notice
| Permit | Covers | Key limits |
|---|---|---|
NWP 13 | Bank stabilization: bulkheads, riprap, revetments, sills and plantings | Up to 500 feet and an average of 1 cubic yard per running foot below the high tide line. A notice is needed above those limits, or in special aquatic sites such as seagrass. Nature-based features beside a seawall are now allowed. 2026 NWP 13 |
NWP 54 | Living shorelines | Low- to mid-energy coastal waters, with a strong living part such as marsh or oyster reef. Up to 30 feet waterward of mean low water and 500 feet along the bank, unless waived. 2026 NWP 54 |
The 2026 nationwide permits replaced the 2021 set on March 15, 2026. USACE announcement Two local factors can add review. Seagrass grows on the shallow edges of the middle and western bay. FWC seagrass report The open bay is also Gulf sturgeon critical habitat, though most bayous are excluded at their mouths. 50 CFR 226.214
Start the federal file early. Fort Walton Beach got its DEP permit for the Landing seawall in May 2018 but its Army Corps permit only in May 2022. FWB staff report A single home is a much smaller file, but the federal review can still be the slowest step.
Gulf-front walls: the Coastal Construction Control Line
The Coastal Construction Control Line (CCCL) marks the part of the beach that a 100-year storm can reshape. Building, digging or armoring seaward of it needs a DEP permit. Section 161.053 The CCCL program is run from DEP's Tallahassee office, (850) 245-8570. DEP CCCL program
- Repairs are not exempt. The statute's repair exemption expressly excludes seawalls. Section 161.053(11)
- New armoring is limited. Only an "eligible" structure that is "vulnerable" to a 25-year storm qualifies, or a gap of up to 250 feet between armored lots. Rule 62B-33.0051
- The rule changed on July 7, 2026. Rebuilding or replacing existing armoring no longer has to re-prove eligibility if there is no significant harm, but designs now need a 30-year design life. Rule 62B-33.0051, 2026
- Local sign-off. Destin bans Gulf armoring without a DEP permit, Walton approves nothing seaward of the line until DEP permits are in hand, and Okaloosa wants the DEP permit with the site plan. Destin LDC 11.01.01 Walton LDC 4.02.05 Okaloosa LDC 6.02.01
Step by step: the order that keeps a permit moving
- Confirm the jurisdiction. Check the parcel's city or county on the Property Appraiser record.
- Pull the history. Look up past permits on the city or county portal. Order a current survey with elevations in NAVD88.
- Define the scope. Get written findings and a drawing that shows the wall line, riprap, dock and any marsh or seagrass.
- Clear the neighborhood steps. Okaloosa Island needs the Leaseholders Association committee. Shalimar and Cinco Bayou need town approval. In Walton, ask Planning whether your project needs its review first.
- File with DEP. Exemption, general permit or individual permit, plus state-lands consent if needed.
- File with the Army Corps. Through RRS, to the Pensacola Permits Section.
- Get the local building permit. Destin and Valparaiso will not issue it until state and federal approvals are in hand.
- Record a Notice of Commencement. It must be filed before the first inspection when the contract is over $5,000.
- Build, inspect and close out. Keep the final survey, inspection results and approved plans together.
Sources for these steps: Okaloosa permit search Okaloosa Island review Shalimar town permit Cinco Bayou approval Destin LDC 11.05 Valparaiso Code 83-21 Section 713.135
Storm repair rules after Hurricane Isaias
Most storm repairs to bulkheads still need a permit. A few local rules give owners extra time or a narrow exemption.
| Rule | Where | What it allows | Deadline |
|---|---|---|---|
Board-for-board dock and fence repair without a city permit | City of Destin | Same location, no expansion, originally permitted dock. Seawalls are not included. Destin storm exemption | 60 days from October 13, 2026: about December 12, 2026 |
Rebuild a damaged facility at the same or smaller size, even if it breaks today's length or slip limits | Destin, Mary Esther, Cinco Bayou, Valparaiso | Apply for the permit within six months of the damage. Destin LDC 11.05.10 Mary Esther LDC 11.05.10 Cinco Bayou LDC 12.05.09 Valparaiso Code 83-28 | About April 9, 2027, if the damage date is October 9, 2026 |
Emergency repair before a permit | Fort Walton Beach | The building official must accept the emergency. FWB Code 3.01.05 | Apply on the first working day after |
Temporary Gulf-front armoring | County or city authorization | Temporary measures when erosion threatens a structure. Section 161.085 | Remove it, or apply to DEP, within 60 days of installation |
Okaloosa County's post-storm guide says dock and seawall repairs generally need a permit, at regular fees unless the commissioners approve a waiver. Okaloosa recovery permit guide Mary Esther says most storm repairs, including docks, need a city permit. Mary Esther update
We counted the six-month and 60-day dates from the city notice. Confirm the start date with your city. The storm guide covers photos, insurance and emergency steps.
Official permit resources
| City or county | Permit office | Official source |
|---|---|---|
City of Destin | ||
Okaloosa County (unincorporated, Okaloosa Island, Shalimar, Cinco Bayou) | ||
Fort Walton Beach | ||
Niceville | ||
Valparaiso | ||
Mary Esther | ||
Walton County (unincorporated, including South Walton) | ||
City of Freeport | ||
Florida (state) | ||
Florida (Gulf-front) | ||
Federal |
Show sourcesHide sources
- Okaloosa County GIS: city limits and county zoningSource reviewed 2026-10-27
- Frequently Asked Questions: Do I live in the Town of Shalimar?Source reviewed 2026-10-27
- Okaloosa County Storm Post-storm Permitting Guide/PlanSource reviewed 2026-10-27
- Building DivisionSource reviewed 2026-10-27
- How Do I Submit A Permit Application? (Building Division brochure)Source reviewed 2026-10-27
- Growth ManagementSource reviewed 2026-10-27
- Bluewater Bay Municipal Services Benefit Unit request for proposals (July 14, 2020) with attached Ordinance 02-16Source reviewed 2026-10-27
- PermittingSource reviewed 2026-10-27
- Okaloosa County LDC Chapter 3, 3.01.00 Subdivision of Okaloosa IslandSource reviewed 2026-10-27
- Protective Covenants and Restrictions, Okaloosa Island (OR Book 121, Pages 233-250, as updated)Source reviewed 2026-10-27
- Town Hall | Shalimar, FLSource reviewed 2026-10-27
- Permit Guide for Town of Shalimar (Department of Growth Management, May 2025)Source reviewed 2026-10-27
- Town Staff - Cinco BayouSource reviewed 2026-10-27
- Permits - Cinco BayouSource reviewed 2026-10-27
- Building & Inspections | Fort Walton Beach, FLSource reviewed 2026-10-27
- My Government Online (MGO) | Fort Walton Beach, FLSource reviewed 2026-10-27
- Community Development | Niceville, FLSource reviewed 2026-10-27
- Residential Building Permit Exemption (HB 803) | Niceville, FLSource reviewed 2026-10-27
- Building | Valparaiso FLSource reviewed 2026-10-27
- Building Services Update (News Flash, posted July 29, 2026)Source reviewed 2026-10-27
- Permits & Inspections | Mary Esther, FLSource reviewed 2026-10-27
- Planning and Development ServicesSource reviewed 2026-10-27
- Building DivisionSource reviewed 2026-10-27
- 2024 Census Gazetteer Files: Places, FloridaSource reviewed 2026-10-27
- Planning (City of Freeport)Source reviewed 2026-10-27
- Building Process for the City of FreeportSource reviewed 2026-10-27
- Destin LDC Sec. 11.05.00 Marina sitingSource reviewed 2026-10-27
- Destin LDC Sec. 11.01.10 Bay shoreline protection zoneSource reviewed 2026-10-27
- Okaloosa County LDC Chapter 2 Zoning Regulations, 2.19.00 Bulk Regulations FootnotesSource reviewed 2026-10-27
- Okaloosa County LDC Chapter 6 Development Design Standards, 6.05.05 and 6.06.09Source reviewed 2026-10-27
- Walton County LDC Sec. 4.09.16 Other Development (Floodplain Protection)Source reviewed 2026-10-27
- Land Development Code, City of Fort Walton Beach (Municode, Supp. No. 17, codified through Ord. No. 2194, enacted January 27, 2026), Sec. 5.01.15Source reviewed 2026-10-27
- Land Development Code, City of Fort Walton Beach (Municode, Supp. No. 17, codified through Ord. No. 2194, enacted January 27, 2026), Sec. 9.01.01 (Table 9.01.01) and Sec. 9.02.04Source reviewed 2026-10-27
- Niceville Code of Ordinances, Appendix D Land Development Code, Article 7, 7.08.00 Accessory structures (7.08.01, 7.08.05)Source reviewed 2026-10-27
- Valparaiso Code of Ordinances Ch. 83 Waterways, Sec. 83-21 Permitting proceduresSource reviewed 2026-10-27
- Valparaiso Code Sec. 83-22 Structures requiring permitsSource reviewed 2026-10-27
- Land Development Code, City of Mary Esther (Municode, Supp. No. 11, codified through Ord. No. 2025-06, adopted October 6, 2025), Sec. 11.05.02Source reviewed 2026-10-27
- Code of Ordinances, Town of Cinco Bayou (Municode, Supp. No. 8, codified through Ord. No. 248, enacted September 9, 2021), Land Development Code Sec. 12.05.01Source reviewed 2026-10-27
- City of Freeport Land Development Code Article 4 (August 9, 2022)Source reviewed 2026-10-27
- Operating Agreement Concerning Regulation Under Part IV, Chapter 373, F.S., Between NWFWMD and DEPSource reviewed 2026-10-27
- Environmental Resource Permits: Permitting ProcessSource reviewed 2026-10-27
- Northwest DistrictSource reviewed 2026-10-27
- Northwest District PermittingSource reviewed 2026-10-27
- 2026 Florida Statutes section 403.813Source reviewed 2026-10-27
- 62-330.431 General Permit for Installation of RiprapSource reviewed 2026-10-27
- 62-330.427 General Permit for Docks, Piers and Associated StructuresSource reviewed 2026-10-27
- 62-4.050 Procedure to Obtain Permits and Other Authorizations; ApplicationsSource reviewed 2026-10-27
- 2026 Florida Statutes s. 373.414Source reviewed 2026-10-27
- Sovereign Submerged Lands: Proprietary Authority versus Regulatory AuthoritySource reviewed 2026-10-23
- 18-21.005 Forms of AuthorizationSource reviewed 2026-10-27
- Residential Dock Application/Requirements (Permit Form 12-0710)Source reviewed 2026-10-27
- Rule 18-20.004, F.A.C., Management Policies, Standards and CriteriaSource reviewed 2026-10-27
- Florida Statutes s. 258.42, Maintenance of preserves (2026 Florida Statutes)Source reviewed 2026-10-27
- Rule 62-302.700, F.A.C., Special Protection, Outstanding Florida Waters, Outstanding National Resource WatersSource reviewed 2026-10-27
- Jacksonville District Regulatory Office LocationsSource reviewed 2026-10-27
- USACE South Atlantic Division Florida regulatory guidanceSource reviewed 2026-10-27
- Advisory Public Notice: Regulatory Request System (RRS)—Permit ApplicationsSource reviewed 2026-10-23
- Reissuance and Modification of Nationwide Permits (full text), NWP 13Source reviewed 2026-10-27
- US Army Corps of Engineers announces publication of 2026 nationwide permitsSource reviewed 2026-10-23
- Summary Report for Choctawhatchee Bay, SIMM Mapping and Monitoring Report No. 3 (FWRI Technical Report 17, Version 3, 2018)Source reviewed 2026-10-27
- 50 CFR 226.214 Critical habitat for Gulf sturgeonSource reviewed 2026-10-27
- City of Fort Walton Beach City Council Regular Meeting, February 14, 2023, Item: Award of ITB 23-002 - Fort Walton Beach Landing Improvements - Phase I (agenda and minutes)Source reviewed 2026-10-27
- 161.053 Coastal construction and excavation; regulation on county basis (The 2026 Florida Statutes)Source reviewed 2026-10-27
- Coastal Construction Control Line Program (with linked CCCL Permit Managers and CCCL Field Inspector pages)Source reviewed 2026-10-27
- 62B-33.0051 Coastal Armoring and Related Structures (with definitions in 62B-33.002)Source reviewed 2026-10-27
- Section 713.135, Florida Statutes (2026), Notice of commencement and applicability of lienSource reviewed 2026-10-27
- Building Permit Exemption for fence and dock repairs (News Flash)Source reviewed 2026-11-05
- Code of Ordinances, Town of Cinco Bayou (Municode, Supp. No. 8, codified through Ord. No. 248, enacted September 9, 2021), Land Development Code Secs. 12.05.06 and 12.05.09Source reviewed 2026-10-27
- Valparaiso Code Sec. 83-28 Reconstruction of existing facilitiesSource reviewed 2026-10-27
- Code of Ordinances, City of Fort Walton Beach (Municode, Supp. No. 18, codified through Ord. No. 2204, enacted February 24, 2026), Secs. 3.01.03 and 3.01.05Source reviewed 2026-10-27
- 161.085 Rigid coastal armoring structures (The 2026 Florida Statutes)Source reviewed 2026-10-27
- Hurricane Isaias Recovery Update: Debris Pickup Continues, Permits for Storm Repairs (posted October 19, 2026)Source reviewed 2026-10-27