259 Baywinds Dr, Destin, FL 32541 Property Records

Okaloosa County property record for 259 Baywinds Dr, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,009 sqft · built 1998
Lot Size	0.452 acres (19,668 sqft)
Owner	2 Individual Names on Record
Last Sale	$600,000 (Sep 2019)
Tax Bill	$6,632 (2025)
Deeds & Mortgages	Apr 2018 Mortgage Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-4284-8`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-4284-8`
Alternative APNs	`00-2S-22-018C-0000-0220` `22S200018C00000220`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,009 sqft Living Area
Gross Area	4,792 sqft
1st Floor Area	3,009 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Wood
Lot Area	19,668 sqft (0.452 acres)
Garage Type	Attached
Garage Area	1,044 sqft
Driveway	Driveway
Porch	Finished/Open Porch
Porch Area	739 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	259 BAYWINDS DR
City	DESTIN
State	FL
Zip	32541-5733
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BAYWINDS GOLF EST PH II LOT 22
Legal Subdivision	BAYWINDS GOLF EST
Legal Phase	2
Legal Lot Number	22
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2001
Census Tract	23308

Owner

Source: Okaloosa County records, as of January 16, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	259 BAYWINDS DR, DESTIN, FL 32541-5733
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2018	Deed of Trust, Mortgage FIRST FLORIDA BANK
Sep 19, 2019	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 2019 · Amount on Record
Deed Sale	Sep 19, 2019 · Amount on Record
Prior Sale	Oct 16, 2014 · Amount on Record
Deed Document Number	20193305879
Deed Book / Page	3419 / 4198
Prior Transfer Date	Sep 18, 2019
Prior Transfer Doc	0034194198
Record Updated	Jun 8, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	259 BAYWINDS DR, DESTIN, FL 32541-5733
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0033452728
Date	Apr 12, 2018
Book Page	3345/2728
Instrument	3200357

Lender

Name	FIRST FLORIDA BANK
Type	Bank
Address	DESTIN, FL 32541

Agreement

Amount	Amount Recorded

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Sep 19, 2019
Property Address	259 BAYWINDS DR, DESTIN, FL 32541-5733
Document Number	0034194198
Book / Page	003419 / 004198
Instrument Date	Sep 19, 2019
Instrument	3305879
Transaction Type	Transfer
Record Updated	Oct 7, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,200.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	259 BAYWINDS DR DESTIN FL 325415733, DESTIN, FL 32541-5733

Mortgage

Document Number	34194200
Date	Sep 19, 2019
Book Page	003419/004200
Instrument	3305880

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 18, 2049

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of December 31, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,632.00 (+5.14%) Homeowner's exemption	$668,290 (+5.99%)	$894,879 (-6.54%) Land $163,225 Building $731,654
2023	$6,308.00 (+2.17%) Homeowner's exemption	$630,540 (+3%)	$957,534 (+7.85%) Land $148,103 Building $809,431
2022	$6,174.00 Homeowner's exemption	$612,175	$887,812 Land $134,639 Building $753,173

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

Flood

Source: FEMA National Flood Hazard Layer, effective March 8, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
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

Source: USFWS Coastal Barrier Resources System, as of December 19, 2024

Coastal Barrier Resources System	Yes
Unit	P32 “Moreno Point”
Unit Type	System Unit
Designated	Oct 18, 1982
NFIP Eligibility	Not eligible (built 1998) built after the Oct 1, 1983 cutoff · private flood insurance only

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SOUTH WALTON UTILITY COMPANY private · serves 26,668 people · EPA ID FL1660615
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	3 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 221 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
Cox Communications Cable	2,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Wildstar Networks.

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