Okaloosa County property record for 381 Baywinds Dr, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,739 sqft · built 2001 |
| Lot Size | 0.408 acres (17,762 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $527,000 (Mar 2018) |
| Tax Bill | $4,009 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Sep 2018 Transfer + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-4304-4 |
| Primary APN | C56-000-589-4304-4 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,739 sqft Living Area |
| Gross Area | 3,633 sqft |
| 1st Floor Area | 2,739 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Brick |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Wood |
| Lot Area | 17,762 sqft (0.408 acres) |
| Garage Type | Attached |
| Garage Area | 638 sqft |
| Driveway | Driveway |
| Porch | Finished/Open Porch |
| Porch Area | 256 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 381 BAYWINDS DR |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-3764 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BAYWINDS GOLF EST PH III LOT 8 |
| Legal Subdivision | BAYWINDS GOLF EST |
| Legal Phase | 3 |
| Legal Lot Number | 8 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 23308 |
381 Baywinds Dr is owned by a company that acquired it in September 2018 and is owner-occupied.
Source: Okaloosa County records, as of January 16, 2026
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 381 BAYWINDS DR, DESTIN, FL 32541-3764 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 10, 2021 | Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK |
| Sep 13, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Jul 6, 2018 | Deed of Trust, Mortgage · Conventional Mortgage GULF COAST BK |
| Mar 7, 2018 | Warranty Deed, Transfer MCNEESE TITLE LLC |
| Oct 27, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 7, 2018 · Amount on File |
| Deed Sale | Mar 7, 2018 · Amount on File |
| Prior Sale | Oct 27, 2017 · Amount on File |
| Deed Document Number | 20183192773 |
| Deed Book / Page | 3340 / 1425 |
| Last Transfer Date | Sep 13, 2018 |
| Transfer Doc | 0033672207 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 381 BAYWINDS DR, DESTIN, FL 32541-3764 |
| Transaction Type | Mortgage |
| Record Updated | Sep 24, 2021 |
| Name | Verified Name |
|---|---|
| Address | 381 BAYWINDS DR, DESTIN, FL 32541-3764 |
| Document Number | 0035730283 |
|---|---|
| Date | Sep 10, 2021 |
| Book Page | 3573/283 |
| Instrument | 3487497 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Oct 1, 2036 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Sep 13, 2018 |
| Property Address | 381 BAYWINDS DR, DESTIN, FL 32541-3764 |
| Document Number | 0033672207 |
| Book / Page | 003367 / 002207 |
| Instrument Date | Sep 13, 2018 |
| Instrument | 3232120 |
| Transaction Type | Transfer |
| Record Updated | Sep 28, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 381 BAYWINDS DR DESTIN FL 325413764, DESTIN, FL 32541-3764 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 381 BAYWINDS DR, DESTIN, FL 32541-3764 |
| Document Number | 0033582444 |
| Instrument Date | Jul 6, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 1, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 381 BAYWINDS DR DESTIN FL 325413764, DESTIN, FL 32541-3764 |
| Document Number | 0033582444 |
|---|---|
| Date | Jul 10, 2018 |
| Book Page | 003358/002444 |
| Instrument | 3218762 |
| Name | GULF COAST BK |
|---|---|
| Type | Bank |
| Address | BATON ROUGE, LA 70806 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 9, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Mar 7, 2018 |
| Property Address | 381 BAYWINDS DR, DESTIN, FL 32541-3764 |
| Document Number | 0033401425 |
| Book / Page | 003340 / 001425 |
| Instrument Date | Feb 28, 2018 |
| Instrument | 3192773 |
| Transaction Type | Transfer |
| Record Updated | Mar 16, 2018 |
| Title Company | MCNEESE TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $3,689.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 381 BAYWINDS DR DESTIN FL 325413764, DESTIN, FL 32541-3764 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Oct 27, 2017 |
| Property Address | 381 BAYWINDS DR, DESTIN, FL 32541-3764 |
| Document Number | 0033233653 |
| Book / Page | 003323 / 003653 |
| Instrument Date | Oct 27, 2017 |
| Instrument | 3169174 |
| Transaction Type | Transfer |
| Record Updated | Nov 27, 2017 |
| Amount | Amount on Record |
|---|---|
| Tax | $959.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 381 BAYWINDS DR DESTIN FL 325413764, DESTIN, FL 32541-3764 |
The 2025 property tax bill for 381 Baywinds Dr was $4,009 with a homeowner's exemption.
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 | $4,009.00 Homeowner's exemption | $418,784 | $695,149 Land $163,225 Building $531,924 |
| 2023 | $3,805.00 (+2.28%) Homeowner's exemption | $395,128 (+3%) | $739,112 (+6.96%) Land $148,103 Building $591,009 |
| 2022 | $3,720.00 Homeowner's exemption | $383,619 | $691,032 Land $134,639 Building $556,393 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 381 Baywinds Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1995.
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 2001) 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 risk around 381 Baywinds Dr is low, with a 0.02% annual chance of wildfire.
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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