Okaloosa County property record for 347 Baywinds Dr, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,211 sqft · built 1995 |
| Lot Size | 0.381 acres (16,584 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $250,000 (Sep 2002) |
| Tax Bill | $3,149 (2025) |
| Deeds & Mortgages | Apr 2020 Line of Credit Mar 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-4299-6 |
| Primary APN | C56-000-589-4299-6 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,211 sqft Living Area |
| Gross Area | 3,332 sqft |
| 1st Floor Area | 2,211 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Wood |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Wood |
| Lot Area | 16,584 sqft (0.381 acres) |
| Garage Type | Attached |
| Garage Area | 601 sqft |
| Driveway | Driveway |
| Porch | Finished/Open Porch |
| Porch Area | 520 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 347 BAYWINDS DR |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-3763 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BAYWINDS GOLF EST PH III LOT 3 |
| Legal Subdivision | BAYWINDS GOLF EST |
| Legal Phase | 3 |
| Legal Lot Number | 3 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 23308 |
Source: Okaloosa County records, as of December 31, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 347 BAYWINDS DR, DESTIN, FL 32541-3763 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 8, 2020 | Deed of Trust, Mortgage · Line of Credit REGIONS BANK |
| Mar 11, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BANCORPSOUTH BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 30, 2002 · Amount on Record |
| Deed Sale | Sep 30, 2002 · Amount on Record |
| Prior Sale | May 31, 2002 |
| Deed Document Number | 20021955611 |
| Deed Book / Page | 2384 / 1739 |
| Prior Transfer Date | May 15, 2002 |
| Prior Transfer Doc | 0001926189 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 347 BAYWINDS DR, DESTIN, FL 32541-3763 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0034550204 |
|---|---|
| Date | Apr 8, 2020 |
| Book Page | 3455/204 |
| Instrument | 3350521 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35211 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Mar 25, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 347 BAYWINDS DR, DESTIN, FL 32541-3763 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2022 |
| Title Company | MCNEESE TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 347 BAYWINDS DR, DESTIN, FL 32541-3763 |
| Document Number | 0035311712 |
|---|---|
| Date | Mar 11, 2021 |
| Book Page | 3531/1712 |
| Instrument | 3436794 |
| Name | BANCORPSOUTH BANK |
|---|---|
| Type | Bank |
| Address | TUPELO, MS 38803 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 1, 2036 |
Source: Okaloosa County assessment roll, as of December 31, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Unified School District | Okaloosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,149.00 (+5.46%) Homeowner's exemption | $337,065 (+5.99%) | $580,893 (-6.72%) Land $146,903 Building $433,990 |
| 2023 | $2,986.00 (+2.37%) Homeowner's exemption | $318,025 (+3%) | $622,724 (+9.4%) Land $140,698 Building $482,026 |
| 2022 | $2,917.00 Homeowner's exemption | $308,762 | $569,224 Land $127,907 Building $441,317 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
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 1995) 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 225 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 |
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