86 Baywinds Dr, Destin, FL 32541 Property Records

Okaloosa County property record for 86 Baywinds Dr, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,391 sqft · built 2003
Lot Size	0.392 acres (17,076 sqft)
Owner	2 Company Names on File
Last Sale	$630,000 (Apr 2021)
Tax Bill	$5,917 (2023)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-4295-4`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-4295-4`
Alternative APNs	`00-2S-22-018C-0000-0330` `22S200018C00000330`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,391 sqft Living Area
Gross Area	3,597 sqft
1st Floor Area	2,391 sqft
Flooring	Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Wood
Lot Area	17,076 sqft (0.392 acres)
Garage Type	Attached
Garage Area	902 sqft
Driveway	Driveway
Porch	Finished/Open Porch
Porch Area	304 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	86 BAYWINDS DR
City	DESTIN
State	FL
Zip	32541-3749
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BAYWINDS GOLF EST PH II LOT 33
Legal Subdivision	BAYWINDS GOLF EST
Legal Phase	2
Legal Lot Number	33
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2001
Census Tract	23308

Owner

86 Baywinds Dr is owned by a company that acquired it in February 2025.

Source: Okaloosa County records, as of December 31, 2025

Owner of Record	2 Company Names on File
Mailing Address	86 BAYWINDS DR, DESTIN, FL 32541-3749
Owner Type	Company
Vesting	Life Tenant

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2021	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Apr 22, 2020	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 20, 2021 · Amount on File
Deed Sale	Apr 20, 2021 · Amount on File
Prior Sale	Jun 17, 2014 · Amount on File
Deed Document Number	20213448365
Deed Book / Page	3541 / 258
Last Transfer Date	Feb 11, 2025
Transfer Doc	0003737611
Record Updated	Sep 20, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Apr 20, 2021
Property Address	86 BAYWINDS DR, DESTIN, FL 32541-3749
Document Number	0035410258
Book / Page	3541 / 258
Map Reference	MB 14 PG 9
Instrument Date	Mar 24, 2021
Instrument	3448365
Transaction Type	Transfer
Record Updated	May 19, 2021
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,410.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	86 BAYWINDS DR, 86, DESTIN, FL 32541-3749

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 LAKE FRONT DR, MIRAMAR BEACH, FL 32550-8248

Mortgage

Document Number	3541260
Date	Apr 20, 2021
Instrument	3541/260

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	86 BAYWINDS DR, DESTIN, FL 32541-3749
Document Number	0034582781
Instrument Date	Apr 22, 2020
Transaction Type	Mortgage
Record Updated	Jun 8, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	86 BAYWINDS DR DESTIN FL 325413749, DESTIN, FL 32541-3749

Mortgage

Document Number	0034582781
Date	Apr 27, 2020
Book Page	003458/002781
Instrument	3354330

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	180 Months
Due	Apr 26, 2035

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		$634,628	$639,113 Land $146,903 Building $492,210
2023	$5,917.00 (-15.46%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$598,779 (-8.17%)	$686,895 (+5.34%) Land $140,698 Building $546,197
2022	$6,999.00	$652,046 Land $127,907 Building $524,139	$652,046 Land $127,907 Building $524,139

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

Flood

FEMA maps place 86 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

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 2003) 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

Wildfire risk around 86 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 97% of the US · lower than 96% 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.

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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