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Single Family ResidenceResidential
$334,160$245 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 84How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026

1109 BAY CT

DESTIN, FL 32541
2
Beds
2
Baths
1,364 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.25 ac
Lot SizeThe size of the land the home sits on, from county records.
1988
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$334K
$281K low$387K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,161 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$137,030 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$133,168
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$303,279

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.40 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.89%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyOKALOOSA
Lot (acres)The size of the land the home sits on, from county records.0.25
RoofThe main material covering the roof, such as asphalt shingle or tile.Wood
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Central
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 418 ft²

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Destin Elementary SchoolA+
Elementary · Grades PK–4 · 0.7 mi
M
Destin Middle SchoolA
Middle · Grades 5–8 · 4.2 mi
H
Fort Walton Beach High SchoolC+
High · Grades 9–12 · 8.7 mi

District: Okaloosa County School District

Neighborhood · ZIP 32541These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.135
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.80
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.18

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.62%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.31%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.3%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.18,561
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,346 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$93,785
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$135,722
Average tempThe average temperature here across a full year.67°F
Annual precipHow much rain and melted snow falls here in a typical year.68 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.60%

Owner Tools

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

1109 Bay Ct measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 83% of homes in Destin 32541
  • Costs less per square foot than 86% of homes in Destin 32541
  • Smaller than 68% of homes in Okaloosa County

What homes are worth in Destin 32541

Each bar is how many homes fall in that price range. The marker is this home.

This home
$198K$3.1M

This home is worth more than 17% of homes in Destin 32541.

How it measures up in Destin 32541

The dot is this home. The mark in the middle is the typical home in Destin 32541.

Estimated value$334,160
CheaperTypical $585,094Pricier

Pricier than 17% of homes nearby

Price per ft²$245
CheaperTypical $399Pricier

Pricier than 14% of homes nearby

Living area1,364 ft²
SmallerTypical 1,586 ft²Bigger

Bigger than 38% of homes nearby

Lot size0.25 ac
SmallerTypical 0.41 acBigger

Bigger than 37% of homes nearby

Year built1988
OlderTypical 1996Newer

Newer than 39% of homes nearby

How 1109 Bay Ct ranks against every home in each area.
MeasureThis homeDestin 32541Okaloosa County
Estimated valuepricier than$334,16017% of homes49% of homes
Price per ft²pricier than$24514% of homes69% of homes
Living areabigger than1,364 ft²38% of homes32% of homes
Lot sizebigger than0.25 ac37% of homes37% of homes
Year builtnewer than198839% of homes46% of homes

About 1109 Bay Ct

How much is 1109 Bay Ct, Destin, FL worth?

The TopHap Estimate for 1109 Bay Ct, Destin, FL is $334,160 as of Sep 24, 2026. The likely range is $280,974 to $387,346. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 1109 Bay Ct, Destin, FL last sell?

1109 Bay Ct, Destin, FL last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 1109 Bay Ct, Destin, FL?

1109 Bay Ct, Destin, FL has 2 bedrooms, 2 bathrooms, 1,364 square feet of living space and a 0.25-acre lot.

When was 1109 Bay Ct, Destin, FL built?

1109 Bay Ct, Destin, FL was built in 1988, making it 38 years old. The building has 1 story.

What schools serve 1109 Bay Ct, Destin, FL?

1109 Bay Ct, Destin, FL is assigned to Destin Elementary School (elementary), rated A+; Destin Middle School (middle), rated A; Fort Walton Beach High School (high), rated C+. All sit in Okaloosa County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 1109 Bay Ct, Destin, FL compare to other homes in Destin 32541?

Among the 16,803 homes in Destin 32541, it is worth more than 17% of them ($334,160 against a typical $585,094), its price per square foot is higher than 14% of them ($245 against a typical $399), it is bigger than 38% of them (1,364 ft² against a typical 1,586 ft²), its lot is bigger than 37% of them (0.25 ac against a typical 0.41 ac) and it is newer than 39% of them (1988 against a typical 1996). Measured against all of Okaloosa County, it is worth more than 49% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 1109 Bay Ct, Destin, FL?

The 2025 property tax bill for 1109 Bay Ct, Destin, FL was $1,161. The county assessed it at $137,030.

More homes on Bay Ct

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Assigned schools

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