816 Cross St, Destin, FL 32541 Property Records

Okaloosa County property record for 816 Cross St, Destin, FL 32541

Property Summary

Property Type	Vacant Land
Details	3 bd · 1 ba · 1,320 sqft · built 1925
Lot Size	0.689 acres (29,997 sqft)
Owner	2 Trust Names on File
Last Sale	$355,000 (Jan 2026)
Tax Bill	$1,742 (2025)
Deeds & Mortgages	Jan 2026 Sale Jan 2026 Transfer + 1 more
Flood Zone	Zone AE (high risk)
APN	`C56-000-589-4773-0`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-4773-0`
Alternative APNs	`00-2S-22-0310-000G-2050` `22S2000310000G2050`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,320 sqft Living Area
Gross Area	1,410 sqft
1st Floor Area	1,320 sqft
Flooring	Carpet
Interior Walls	Wood

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	29,997 sqft (0.689 acres)
Lot Width	100 ft Width
Porch	Porch
Porch Area	90 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	816 CROSS ST
City	DESTIN
State	FL
Zip	32541-1615
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Legal Description	CALHOUN S/D DESTIN LOT 205 BLK G
Legal Subdivision	CALHOUN S/D
Legal Block	G
Legal Lot Number	205
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1003
Census Tract	23306

Owner

816 Cross St, vacant land, is held in a trust since January 2026.

Source: Okaloosa County records, as of October 9, 2026

Owner of Record	2 Trust Names on File
Mailing Address	823 CROSS ST, DESTIN, FL 32541-1614
Owner Type	Company
Vesting	Trust, Family Trust

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
Jan 9, 2026	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jan 9, 2026	Correction Deed ATTORNEY ONLY, ATTORNEY
Sep 18, 2025	Deed of Distribution, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 9, 2026 · Amount on File
Deed Sale	Jan 9, 2026 · Amount on File
Deed Document Number	20263792678
Prior Transfer Date	Jan 8, 2026
Prior Transfer Doc	0003792674
Record Updated	Oct 29, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jan 9, 2026
Property Address	816 CROSS ST, DESTIN, FL 32541-1615
Document Number	0003792678
Map Reference	MB 1 PG 20
Instrument Date	Jan 8, 2026
Instrument	3792678
Transaction Type	Transfer
Record Updated	Jan 28, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$2,485.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14 CAHABA LN, DESTIN, FL 32541-4423

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	823 CROSS ST, DESTIN, FL 32541-1614

January 2026: Correction Deed

Document Type	Correction Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jan 9, 2026
Property Address	816 CROSS ST, DESTIN, FL 32541-1615
Document Number	0003792674
Map Reference	MB 1 PG 20
Instrument Date	Jan 8, 2026
Instrument	3792674
Record Updated	Jan 28, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4100 GLEN ERIN WAY, RALEIGH, NC 27613-4235

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	4100 GLEN ERIN WAY, RALEIGH, NC 27613-4235

September 2025: Deed of Distribution, Transfer

Document Type	Deed of Distribution
Jurisdiction	OKALOOSA FL
Recording Date	Sep 18, 2025
Property Address	816 CROSS ST, DESTIN, FL 32541-1615
Document Number	0003773789
Instrument Date	Jun 30, 2025
Instrument	3773789
Transaction Type	Transfer
Record Updated	Oct 13, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4100 GLEN ERIN WAY, RALEIGH, NC 27613-4235

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	4100 GLEN ERIN WAY, RALEIGH, NC 27613-4235

Tax Assessment & Valuation

The 2025 property tax bill for 816 Cross St was $1,742, up 6.4% from the year before.

Source: Okaloosa County assessment roll, as of December 31, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Okaloosa County
Municipality	Destin City
Unified School District	Okaloosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,742.00 (+6.41%)	$158,200 (+3%) Land $158,200	$158,200 (+3%) Land $158,200
2024	$1,637.00 (+7.49%)	$153,592 (+7%) Land $153,592	$153,592 (+7%) Land $153,592
2023	$1,523.00 (+8.94%)	$143,544 (+1%) Land $143,544	$143,544 (+1%) Land $143,544
2022	$1,398.00	$130,494 Land $130,494	$130,494 Land $130,494

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 816 Cross St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective March 8, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 96 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	96 in force
Nearby Flood Claims	73 (1994–2020)
Claims Outside the SFHA	47 of 73
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 16 claims Hurricane Frances, Sep 2004 · 20 claims Hurricane Opal, Oct 1995 · 21 claims

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 816 Cross St 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 96% of the US · lower than 96% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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	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

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 147 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

May also be available: Spectrum.

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