STR
PanhandleSTR Florida Panhandle · Short-Term Rentals
Start with Destin

Florida Panhandle · Short-Term Rental Research

Panhandle STR rules, checklists, and ROI calculators — by market.

PanhandleSTR is a city-by-city research hub for short-term rental investors. Each market page follows the same structure so you can compare rules, operational friction, and underwriting assumptions across Destin, Panama City Beach, 30A towns, Pensacola Beach, and the Forgotten Coast.

Browse all Panhandle STR markets Start with Destin

What to verify in every Panhandle STR deal

Most STR “deals” fall apart on the same issues: zoning, HOA rules, nuisance enforcement, fee stacks, and tax compliance. Use these quick checks before you waste weeks underwriting a property that can’t operate as intended.

Zoning & use

Confirm STR use is allowed (and for what minimum stay). Ask what triggers enforcement and what “grandfathered” really means.

HOA & building rules

If it’s a condo/townhome, building rules can matter more than the city. Verify caps, registration, parking, and guest policies.

Fee stack & taxes

Underwrite with realistic cleaning/turnover, PM %, supplies, insurance, reserves, and local bed tax / sales tax obligations.

Browse Panhandle STR markets

These internal links are intentional: they help visitors (and search engines) discover every market page. Each link goes to a full STR guide with checklists and a calculator.

Featured

All markets

How to use this site

  1. Step 1

    Pick a market page you’re actually underwriting.

  2. Step 2

    Use the due diligence table as your checklist/script.

  3. Step 3

    Run conservative assumptions in the ROI calculator.

FAQ (quick answers)

Are these rules “official”?

No — they’re research summaries. Always confirm with the latest city/county ordinance text, official portals, and your local professionals.

Why separate pages for tiny 30A towns?

Because on 30A, HOA/community rules and brand expectations can be more important than the county. Underwriting differs by neighborhood.

Is the ROI calculator “accurate”?

It’s a stress-test. Use conservative assumptions and compare across markets. Then validate with comps, managers, and real operating statements.

What’s the fastest way to use this site?

Pick your market page → review “at a glance” → use the due diligence table → run numbers in the calculator → compare nearby markets.