Emerald Coast Condo Map
Gulf Front

Henderson Beach Villas

2732 Scenic Hwy 98, Destin, FL 32541

Okaloosa County · Henderson

By Josh Parish, Founding Editor · Updated 08/28/2026

3D Flyover

Aerial 3D flyover, generated from Google Earth. Not a walk-through tour of the building.

Henderson Beach Villas is a Gulf-Front village in Destin, FL, built in 2021, standing 4 stories with 10 condos. Short-term rentals are allowed and recent sale prices fall in the $2M–$4M band.

2021
Built
10
Units
4
Stories
Gulf Front
Frontage
Allowed
Rentals
Google Maps →Street View →
Amenities
  • —Elevator
Map
Showing 0 of 41Pick a group to place its pins.

Location approximate

Closest by car: private Gulf-front beach; grocery — Publix - Destin Commons (0.5 mi); town center — Destin Commons (0.7 mi); hospital — Ascension Sacred Heart Emerald Coast (7.4 mi); airport — Destin-Fort Walton Beach Airport (VPS) (11 mi).

Customary Use
Customary Use

Henderson Beach Villas looks out over the Gulf from just back of the beach. Along this coast, the wet sand below the mean high-water line is always open to the public. Where a beach has been rebuilt with public money, that open stretch can reach farther up, to a marked Erosion Control Line. The nearest public beach walkover is a short distance away. Reflects the public record as of June 2026.

How customary use works on the Emerald Coast →

County and court records. Editorial assessments are the author's own. Not legal advice.

Geographic Overlays
Geographic Overlays
FEMA flood zone (parcel): VE
FIRM panel: 12091C0493J, effective 03/09/2021
Base flood elevation: 16 ft
Coastal Barrier Resources System (CBRS): Outside all three
Coastal Construction Control Line (CCCL): Seaward
Evacuation zone: B
Critically eroded shoreline: Critical. Florida DEP designates the eastern Destin shoreline (R39 to R50) as critically eroded — the state's term for a beach where erosion now threatens buildings, roads, parks or habitat. A restored beach keeps that designation so it stays eligible for state money to maintain it. This stretch is a beach restoration project, built in 2007. This building's pin is not precise, so no distance is stated.
Structural Integrity Reserve Study (SIRS): Not in the DBPR dataset (as of 07/31/2026).
A structural integrity reserve study is a state-required engineering study of a building's big-ticket parts and the money set aside to replace them.
Florida law requires a structural integrity reserve study at least every 10 years for each residential condominium building three habitable stories or higher. Section 718.112(2)(g)1., Florida Statutes (2025).
Source: Florida DBPR SIRS Reporting Database (D7) — pre-July-2025 + July-2025-and-after lists, searched 2026-07-31 · as of 07/31/2026
Source: FEMA NFHL (https://hazards.fema.gov/arcgis/rest/services/public/NFHL/MapServer) layer 28 Flood Hazard Zones — flood zone, SFHA and base flood elevation; layer 3 FIRM Panels — FIRM panel and effective date. USFWS/USGS CBRS Mapper (https://gis1.wim.usgs.gov/server/rest/services/CBRSMapper/CoastalBarrierResourcesSystem/MapServer) layer 3 CBRS Units — CBRS status. Florida DEP (https://ca.dep.state.fl.us/arcgis/rest/services/OpenData/COASTAL_ENV_PERM/MapServer) layer 2 Coastal Construction Control Lines — CCCL position; layer 3 Coastal Critical Erosion Areas — critically eroded shoreline, read against FDEP's Critically Eroded Beaches in Florida, August 2025, in which Okaloosa and Walton were last revised June 2014. Florida DEM (https://services.arcgis.com/3wFbqsFPLeKqOlIK/ArcGIS/rest/services/Evacuation_Zones_20230608/FeatureServer) layer 12 Evacuation_Zones_20240226, last edited 2024-02-26 — evacuation zone. · as of 2026-07-27
County parcel record
Henderson Beach Villas — Parcel parcel record
Parcel08/20/2026Okaloosa County · hand-built footprint · Esri/Maxar
Henderson Beach Villas — Block parcel record
Block08/20/2026Okaloosa County · hand-built footprint · Esri/Maxar
Henderson Beach Villas — Area parcel record
Area08/20/2026Okaloosa County · hand-built footprint · Esri/Maxar
Association & Recorded Documents
Association: Henderson Beach Villas Owners Association, Inc.
Declaration: Declaration of Covenants, Conditions & Restrictions for Henderson Beach Villas (instrument #3410978)
Use Rules
Minimum rental term: No minimum lease term (townhome CC&R; Ch. 720 HOA, not a Ch. 718 condominium).
Common Questions

What is the minimum rental term at Henderson Beach Villas?

No minimum lease term (townhome CC&R; Ch. 720 HOA, not a Ch. 718 condominium). The declaration is the property's recorded rulebook, filed in the county records. Source: Okaloosa County official records, instrument #3410978.

What is the owners association at Henderson Beach Villas, and when was its declaration recorded?

The association of record is Henderson Beach Villas Owners Association, Inc. Recorded declaration: Declaration of Covenants, Conditions & Restrictions for Henderson Beach Villas (instrument #3410978). Source: Okaloosa County official records.

The Buyer's Intelligence Report

Get the Buyer's Intelligence Report

What the report covers: HOA financials, milestone and SIRS status, insurance, comps, and county records — compiled in one place for Henderson Beach Villas.

Prepared and delivered by Josh Parish, Emerald Coast Acquisitions · Destin, Florida. Access requires a signed buyer-broker agreement.

Building facts verified against the County Property Appraiser parcel records. Editorial assessments, metrics, and vibe are the author's own.