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415 Baywinds Dr, Destin, FL 32541 Property Records

Okaloosa County property record for 415 Baywinds Dr, Destin, FL 32541

Property Summary

Property TypeSingle Family Home
Details4 bd · 3.5 ba · 3,183 sqft · built 1997
Lot Size0.371 acres (16,154 sqft)
OwnerIndividual Name on Record
Last Sale$779,000 (Jun 2019)
Tax Bill$8,817 (2025)
Deeds & MortgagesAug 2019 Mortgage
Dec 2020 Transfer
+ 2 more
Flood ZoneZone X (minimal risk)
APNC56-000-589-4307-7

Property Details

APN / Parcel Number

Primary APNC56-000-589-4307-7
Alternative APNs
  • 00-2S-22-018D-0000-0100
  • 22S200018D00000100

Interior

Bedrooms4 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area3,183 sqft Living Area
Gross Area4,831 sqft
1st Floor Area3,183 sqft
FlooringTile
Interior WallsCustom/Decorative
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1997
Effective Year BuiltEffective 1997
Exterior MaterialWood
Roof TypeCathedral/Clerestory
Roof MaterialTile
Lot Area16,154 sqft (0.371 acres)
Garage TypeAttached
Garage Area1,023 sqft
DrivewayDriveway
PorchFinished/Open Porch
Porch Area559 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address415 BAYWINDS DR
CityDESTIN
StateFL
Zip32541-3702
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBAYWINDS GOLF EST PH III LOT 10
Legal SubdivisionBAYWINDS GOLF EST
Legal Phase3
Legal Lot Number10
JurisdictionOKALOOSA FL
Township / Civil DivisionFORT WALTON BEACH
Census Block Group2
Census Block2001
Census Tract23308

Owner

Source: Okaloosa County records, as of January 27, 2026

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

Owner of RecordIndividual Name on Record
Mailing Address3609 CHESAPEAKE DR, FRISCO, TX 75034-0807
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 29, 2019Deed of Trust, Mortgage · Conventional Mortgage
CARDINAL FINANCIAL COMPANY LP
Dec 30, 2020Quit Claim Deed, Transfer
NOT AVAILABLE
Jun 4, 2019Warranty Deed, Transfer · Conventional Mortgage
GUARANTEED RATE
Aug 9, 2018Warranty Deed, Transfer
AQUA TITLE SERVICES, AQUA TITLE SVCS

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 4, 2019 · Amount on Record
Deed SaleJun 4, 2019 · Amount on Record
Prior SaleAug 9, 2018 · Amount on Record
Deed Document Number20193281827
Deed Book / Page3401 / 4851
Last Transfer DateMar 30, 2020
Transfer Doc0035151870
Record UpdatedJun 8, 2026

August 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOKALOOSA FL
Property Address415 BAYWINDS DR, DESTIN, FL 32541-3702
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0034161384
DateAug 29, 2019
Book Page3416/1384
Instrument3301199
Lender
NameCARDINAL FINANCIAL COMPANY LP
TypeMortgage Company
AddressCHARLOTTE, NC 28273
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueSep 1, 2034

December 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOKALOOSA FL
Recording DateDec 30, 2020
Property Address415 BAYWINDS DR, DESTIN, FL 32541-3702
Document Number0035151870
Book / Page003515 / 001870
Instrument DateMar 30, 2020
Instrument3418419
Transaction TypeTransfer
Record UpdatedJan 27, 2021
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1244 WINNIPEG DR LEWISVILLE TX 750772978, LEWISVILLE, TX 75077-2978

June 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOKALOOSA FL
Recording DateJun 4, 2019
Property Address415 BAYWINDS DR, DESTIN, FL 32541-3702
Document Number0034014851
Book / Page003401 / 004851
Instrument DateMay 30, 2019
Instrument3281827
Transaction TypeTransfer
Record UpdatedJun 28, 2019
Title CompanyMCNEESE TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$5,453.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address106 W CARRUTH LN DOUBLE OAK TX 750777335, DOUBLE OAK, TX 75077-7335

Mortgage

Document Number34014853
DateJun 4, 2019
Book Page003401/004853
Instrument3281828
Lender
NameGUARANTEED RATE
AddressCHICAGO, IL 60613
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJun 3, 2049

August 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOKALOOSA FL
Recording DateAug 9, 2018
Property Address415 BAYWINDS DR, DESTIN, FL 32541-3702
Document Number0033624617
Book / Page003362 / 004617
Instrument DateAug 1, 2018
Instrument3225475
Transaction TypeTransfer
Record UpdatedNov 21, 2018
Title CompanyAQUA TITLE SERVICES, AQUA TITLE SVCS

Transaction

AmountAmount Recorded
Tax$3,566.50
Additional
  • Lis Pendens
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address415 BAYWINDS DR DESTIN FL 325413702, DESTIN, FL 32541-3702

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOkaloosa County
Unified School DistrictOkaloosa County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$8,817.00 (-0.36%)$838,412 (-8.06%) Land $146,903 Building $691,509$838,412 (-8.06%) Land $146,903 Building $691,509
2023$8,849.00 (+6.96%)$911,954 (+6.73%) Land $140,698 Building $771,256$911,954 (+6.73%) Land $140,698 Building $771,256
2022$8,273.00$854,411 Land $127,907 Building $726,504$854,411 Land $127,907 Building $726,504

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies5 in force
Nearby Flood Claims3 (1995–2018)
Claims Outside the SFHA2 of 3
Most Recent ClaimSep 2018 · other causes

Coastal Barrier Resources

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

Coastal Barrier Resources SystemYes
UnitP32 “Moreno Point”
Unit TypeSystem Unit
DesignatedOct 18, 1982
NFIP EligibilityNot eligible (built 1997)
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 RiskLow
lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood0.02% annual chance
ExposureNone
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 SystemSOUTH WALTON UTILITY COMPANY
private · serves 26,668 people · EPA ID FL1660615
Water SourceGroundwater
Last State InspectionFeb 2026
Lead3 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 225 locations within half a mile, as of December 31, 2025

ProviderMax 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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