Okaloosa County property record for 805 Cross St, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 872 sqft · built 1951 |
| Lot Size | 0.344 acres (14,998 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,688 (2025) |
| Flood Zone | Zone X (moderate risk) |
| APN | C56-000-589-4591-6 |
| Primary APN | C56-000-589-4591-6 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 872 sqft Heated Area |
| 1st Floor Area | 872 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1951 |
|---|---|
| Exterior Material | Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 14,998 sqft (0.344 acres) |
| Lot Width | 100 ft Width |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 805 CROSS ST |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-1614 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CALHOUN S/D DESTIN 100 FT FACING CROSS ST BY 150 FT IN LOT 93 AS DB 64 PG 112 BLK D |
| Legal Range | 22 |
| Legal Township | 02S |
| Legal Subdivision | CALHOUN S/D |
| Legal Block | D |
| Legal Lot Number | 93 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 23306 |
Source: Okaloosa County records, as of December 8, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4361 VILLAGE LOOP, SANTA FE, NM 87507-1834 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 1, 1995 |
| Deed Sale | Mar 1, 1995 |
| Deed Document Number | 0019041793 |
| Record Updated | Jun 8, 2026 |
Source: Okaloosa County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Municipality | Destin City |
| Unified School District | Okaloosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,688.00 (+12.53%) | $145,637 (+6.1%) Land $89,062 Building $56,575 | $145,637 (+6.1%) Land $89,062 Building $56,575 |
| 2023 | $1,500.00 (+8.23%) | $137,269 (+8.42%) Land $80,811 Building $56,458 | $137,269 (+8.42%) Land $80,811 Building $56,458 |
| 2022 | $1,386.00 | $126,604 Land $73,464 Building $53,140 | $126,604 Land $73,464 Building $53,140 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 76 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 136 units insured incl. 60 condo units |
| Nearby Flood Claims | 95 (1994–2020) |
| Claims Outside the SFHA | 64 of 95 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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 | DESTIN WATER USERS, INC. private · serves 31,752 people · EPA ID FL1460202 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2025 |
| Lead | 2 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 337 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 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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