Destin · Condo Building
Henderson Lofts Condos for Sale
A 2018 condominium at 100 Matthew Boulevard in Destin holding 54 residences and 3 commercial units across four addressed levels, on a single parcel of about eight tenths of an acre mapped entirely in FEMA Zone X.
2018
Year Built
4
Floors
54
Total Units
No
Gulf Front
Year built, floor and unit figures are as published by the sources cited at the foot of this page. Confirm them against the association's own documents during diligence.
About Henderson Lofts
The county's header row for this property spells out something a buyer should know before touring it: the declaration covers 3 commercial units and 54 residential units under one legal name. All 57 sit on one parcel of about 0.84 acre, and every row returns an actual year built of 2018. That mixed composition is not incidental. All three commercial units are titled to a single limited liability company, so one owner holds every non-residential interest in the building, and how those units vote, what they pay and what they may be operated as are questions the declaration answers rather than the parcel roll. Density follows from the arithmetic. Fifty-seven recorded units on eight tenths of an acre is a tight footprint by Destin standards, and the county maps a single building outline covering it. Address points assign the units across four levels, 15 on the first and 14 on each of the second, third and fourth, all at 100 Matthew Boulevard. Four levels reaches the three-story threshold that Florida uses to trigger its milestone structural inspection, its structural integrity reserve study and, for a public lodging establishment, its balcony and railing certificate, so a 2018 building here starts a clock rather than escaping one. One claim about this address has now needed correcting in both directions. Henderson Beach State Park does not adjoin this parcel, and an earlier version of this page that treated the park as next door was wrong to. The correction that followed then leaned too far the other way, because it measured to the single location the county's parks inventory files for the park instead of to the park itself, and a filed location for a holding of 213 acres can sit most of a mile from that holding's own edge. The state carries the park as a recorded parcel of about 212 acres, and that boundary comes within about 260 feet of this property. So the park is neither next door nor the mile off the earlier figure implied, and what a resident actually crosses to reach it is other owners' ground. What the roll returns inside 100 feet includes two Henderson Beach Resort parcels touching this one, one of them carrying a hotel use class, vacant commercial ground, a Crystal Beach single family parcel, and the Coral Reef Club condominium in two phases. The resort is a neighbor, in other words, and this building is its own recorded property rather than a component of the resort. Three City of Destin beach accessways sit nearby, Shirah Trail filed about 760 feet out and two more within a half mile, and the Gulf itself is within about 400 feet. Read those accessway figures as filings rather than as walks: the county inventory records each accessway as a single location instead of as an outline, and the parcel roll carries no city-owned ground here to measure to, so how far the nearest usable entrance actually is cannot be settled from either record.
HOA & Fees
Ask first about the commercial block, because it is the feature that makes this budget unlike a purely residential one. Three commercial units sit inside the same declaration as the 54 residences and all three are titled to one limited liability company, so find out what share of the vote and of the assessment they carry, how their share is calculated, and what uses the declaration permits in them. Then take the structural questions, which a 2018 certificate of occupancy starts rather than defers. At four addressed levels this building is inside the three-story threshold for the milestone inspection under section 553.899 and for the structural integrity reserve study under section 718.112, and since December 31, 2024 an association required to obtain that study cannot vote the listed reserves down. Ask for the study, the funding schedule behind it, and any agreement that ties this condominium to a neighboring property, since the parcel record carries no such agreement and cannot tell you what it obliges.
Rental Policy
The mixed declaration changes the shape of this question. Whatever it provides about transient use has to be read for the residences and the three commercial units together, because one instrument governs both, and no version of it could be obtained, which leaves this page unable to say whether short stays are allowed here or forbidden. The statutory layer is clearer. At four addressed levels the building meets the three story mark at which Florida requires a public lodging establishment to hold a current balcony, platform, stairway and railing inspection certificate, renewed every three years. A condominium residence let to transient guests is licensed by the state before the calendar opens, not after it fills. And Destin registers short stays through a program of its own, on eligibility that follows the zoning district. Read the declaration, then the registration standing, then ask what the commercial block is entitled to do.
- Fifty-four residences and 3 commercial units under one recorded name
- Four addressed levels at 100 Matthew Boulevard
- Whole parcel in FEMA Zone X, no special flood hazard area
- Shirah Trail beach accessway, a City of Destin holding, filed about 760 feet out, a filing rather than a walking distance
Live Inventory
Active Listings at Henderson Lofts

$829,000
100 Matthew Boulevard Unit 304
Destin, FL 32541
The short-term rental badge above is not a permission of record. It reflects the MLS short-term-rental field where a listing discloses one, and otherwise where the home sits. Confirm the association's current rules and the local registration requirement before relying on it.
Building Answers
Henderson Lofts FAQ
Is Henderson Lofts only residential?
No. The county's header row records 3 commercial units alongside 54 residential units under one legal name on a single parcel, and all three commercial units are titled to the same limited liability company. What that block votes, pays and may be used for is set by the declaration, so read it before assuming the building behaves like a purely residential condominium.
Is Henderson Lofts next to Henderson Beach State Park?
No, and this page has published the wrong answer in each direction before settling it. The park does not adjoin the parcel: what the roll returns inside 100 feet includes two Henderson Beach Resort parcels touching this one, one carrying a hotel use class, vacant commercial ground, a Crystal Beach single family parcel, and the Coral Reef Club condominium in two phases. But the park is not the mile off that a later version claimed either. That figure came from the county's parks inventory, which files each park as one location rather than as an outline. The state's own recorded parcel for the park, about 212 acres of it, comes within about 260 feet of this property.
How is Henderson Lofts positioned for flooding?
Well, for an address this close to the water. The effective FEMA mapping puts the entire parcel in Zone X with no special flood hazard area and no published base flood elevation, and no mapped water body comes within 300 feet, while the Gulf itself is within about 400 feet.
Sources
- Okaloosa County IGIS: Parcels layer, legal name THE HENDERSON LOFTS (accessed August 21, 2026)
- Okaloosa County IGIS: SiteAddress points at 100 Matthew Boulevard (accessed August 21, 2026)
- Okaloosa County IGIS: Parks layer (accessed August 22, 2026)
- Okaloosa County IGIS: Parcels layer, state holding under Henderson Beach State Park (accessed August 22, 2026)
- Okaloosa County IGIS: FEMA FIRM flood zones over this parcel, returned as polygons (accessed August 23, 2026)
- Okaloosa County IGIS: WaterBodies and coastal control line near this parcel (accessed August 23, 2026)
- Okaloosa County IGIS: Parcels layer, adjoining ownership within 100 feet (accessed August 23, 2026)
- Florida Statutes 553.899 and 718.112, milestone inspection and structural integrity reserve study (accessed August 21, 2026)
- Florida Statutes 509.2112, public lodging establishments three or more stories in height (accessed August 21, 2026)
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