RedactedNarrative: V1 was traveling west, at approximately 10 to 20 mph, in Choctawhatchee Bay approaching the Mid-Bay Bridge in Walton County.  The seas/bay were rough between 3' to 4' with winds blowing southeast at approximately 20 mph.  V1 is a 32' pontoon houseboat.  Due to V1 being top heavy and the seas and winds conditions served as factors leading to the capsizing of the pontoon. 
  
  The operator of V1 described prior to capsizing, the portside pontoon submerged "submarine style"  into several continuous large waves causing the pontoon to list which ultimately played a factor in capsizing V1.
  
  A good Samaritan vessel was alerted by a plane reference to location of the capsized pontoon.  The swimmers were picked up and transferred to the USCG vessel uninjured.
  
  Seatow up righted the pontoon and towed to Joe's Bayou Boat Ramp where it was placed/removed on a trailer.