Okaloosa County property record for 79 Baywinds Dr, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,640 sqft · built 2000 |
| Lot Size | 0.469 acres (20,411 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $389,000 (Dec 2014) |
| Tax Bill | $5,277 (2025) |
| Deeds & Mortgages | Dec 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-4262-4 |
| Primary APN | C56-000-589-4262-4 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,640 sqft Living Area |
| Gross Area | 3,909 sqft |
| 1st Floor Area | 2,640 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Wood |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Wood |
| Lot Area | 20,411 sqft (0.469 acres) |
| Garage Type | Attached |
| Garage Area | 704 sqft |
| Driveway | Driveway |
| Porch | Finished/Open Porch |
| Porch Area | 565 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 79 BAYWINDS DR |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-3752 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BAYWINDS GOLF EST PH II LOT 1 |
| Legal Subdivision | BAYWINDS GOLF EST |
| Legal Phase | 2 |
| Legal Lot Number | 1 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 23308 |
79 Baywinds Dr is owned and occupied by two individuals who bought it in December 2014.
Source: Okaloosa County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 79 BAYWINDS DR, DESTIN, FL 32541-3752 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 3, 2014 · Amount on File |
| Deed Sale | Dec 3, 2014 · Amount on File |
| Prior Sale | May 2, 2014 · Amount on File |
| Deed Document Number | 20142965740 |
| Deed Book / Page | 3174 / 4413 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 79 BAYWINDS DR, DESTIN, FL 32541-3752 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0033794873 |
|---|---|
| Date | Dec 28, 2018 |
| Book Page | 3379/4873 |
| Instrument | 3250889 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2049 |
The 2025 property tax bill for 79 Baywinds Dr was $5,277 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 | $5,277.00 Homeowner's exemption | $539,369 | $808,402 Land $163,225 Building $645,177 |
| 2023 | $5,015.00 (+2.22%) Homeowner's exemption | $508,901 (+3%) | $870,419 (+8.71%) Land $148,103 Building $722,316 |
| 2022 | $4,906.00 Homeowner's exemption | $494,079 | $800,658 Land $134,639 Building $666,019 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 79 Baywinds Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 2000) 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 79 Baywinds Dr is low, with a 0.01% annual chance of 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 | 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.
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 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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