18 Bethany Bay, Destin, FL 32541 Property Records

Okaloosa County property record for 18 Bethany Bay, Destin, FL 32541 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,033 sqft · built 1995
Lot Size	0.332 acres (14,439 sqft)
Owner	2 Company Names on File
Last Sale	$525,000 (Jan 2020)
Tax Bill	$5,347 (2025)
Deeds & Mortgages	Jan 2020 Sale May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-4270-7`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-4270-7`
Alternative APNs	`00-2S-22-018C-0000-0090` `22S200018C00000090`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,033 sqft Living Area
Gross Area	2,948 sqft
1st Floor Area	2,033 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Wood
Lot Area	14,439 sqft (0.332 acres)
Garage Type	Attached
Garage Area	484 sqft
Porch	Finished/Open Porch
Porch Area	431 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	18 BETHANY BAY
City	DESTIN
State	FL
Zip	32541-3758
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BAYWINDS GOLF EST PH II LOT 9
Legal Subdivision	BAYWINDS GOLF EST
Legal Phase	2
Legal Block	2
Legal Lot Number	9
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2001
Census Tract	23308

Owner

Source: Okaloosa County records · APN C56-000-589-4270-7

Assessment roll updated December 31, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on File
Mailing Address	18 BETHANY BAY, DESTIN, FL 32541-3758
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jan 09, 2020	Warranty Deed, Transfer MCGILL ESCROW AND TITLE LLC, MCGILL ESCROW & TITLE LLC
May 24, 2018	Warranty Deed, Transfer · ARM REGIONS BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 09, 2020 · Amount on Record
Deed Sale	Jan 09, 2020 · Amount on Record
Prior Sale	May 24, 2018 · Amount on Record
Deed Document Number	20203329298
Deed Book / Page	3437 / 4134
Prior Transfer Date	Oct 18, 2016
Prior Transfer Doc	0032714349
Record Updated	Jun 08, 2026

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jan 09, 2020
Property Address	18 BETHANY BAY, DESTIN, FL 32541-3758
Document Number	0034374134
Book / Page	003437 / 004134
Instrument Date	Jan 08, 2020
Instrument	3329298
Transaction Type	Transfer
Record Updated	Feb 05, 2020
Title Company	MCGILL ESCROW AND TITLE LLC, MCGILL ESCROW & TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$3,675.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	3184 SCENIC HIGHWAY 98 #A302 DESTIN FL 325413629, A302, DESTIN, FL 32541-3629

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	May 24, 2018
Property Address	18 BETHANY BAY, DESTIN, FL 32541-3758
Document Number	0033513179
Book / Page	3351 / 3179
Map Reference	MB14 PG9
Instrument Date	May 22, 2018
Instrument	3209255
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	BURKE LAW AND TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	112 LAKE POINTE DR, 112, SANTA ROSA BEACH, FL 32459-6524

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 HEATHER DR, SAINT LOUIS, MO 63123-1013

Mortgage

Document Number	0003209256
Date	May 24, 2018
Instrument	3209256

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Jun 01, 2023
Change Frequency	Annually
Min Rate At Change	2.37%
Max Rate At Change	6.12%
Index	1-Year LIBOR
Max Rate	9.12%

Tax Assessment & Valuation

Source: Okaloosa County records · Assessment roll updated December 31, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Florida
County	Okaloosa County
Unified School District	Okaloosa County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,347.00 (-2.89%) Homeowner's exemption	$546,031 (-1.64%) Land $146,903 Building $399,128	$546,031 (-5.36%) Land $146,903 Building $399,128
2023	$5,506.00 (+2.19%) Homeowner's exemption	$555,115 (+3%)	$576,946 (+7.05%) Land $133,293 Building $443,653
2022	$5,388.00 Homeowner's exemption	$538,947 Land $121,175 Building $417,772	$538,947 Land $121,175 Building $417,772

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Okaloosa County (12091C), updated March 8, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120910233082, refreshed September 2026 · USFWS Coastal Barrier Resources System, December 19, 2024 release · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	3 (1995–2018)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Sep 2018, other causes

Coastal Barrier Resources

Coastal Barrier Resources System	Yes
Unit	P32 “Moreno Point”
Unit Type	System Unit
Designated	October 18, 1982
NFIP Eligibility	Not eligible (built 1995) built after the October 1, 1983 cutoff · private flood insurance only

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 221 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
LiveOak Fiber	Fiber	5,000 / 5,000
Cox Communications	Cable	2,000 / 35
Verizon	Fixed Wireless	300 / 20

May also be available at this address: Wildstar Networks. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

Nearby Properties on Bethany Bay

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures