Okaloosa County property record for 819 Cross St, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,756 sqft · built 1983 |
| Lot Size | 0.724 acres (31,548 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,013 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | C56-000-589-4592-4 |
| Primary APN | C56-000-589-4592-4 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,756 sqft Heated Area |
| Gross Area | 3,487 sqft |
| 1st Floor Area | 1,273 sqft |
| Upper Floors Area | 504 sqft |
| Basement Area | 1,224 sqft |
| Finished Basement | 1,224 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1983 |
|---|---|
| Exterior Material | Other |
| Roof Type | Shed Roof |
| Roof Material | Metal |
| Lot Area | 31,548 sqft (0.724 acres) |
| Lot Width | 100 ft Width |
| Porch | Open Porch |
| Porch Area | 486 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 819 CROSS ST |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-1614 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CALHOUN S/D DESTIN LOT 94 BLK D |
| Legal Range | 22 |
| Legal Township | 02S |
| Legal Subdivision | CALHOUN S/D |
| Legal Block | D |
| Legal Lot Number | 94 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 23306 |
819 Cross St is owned and occupied by two individuals who acquired it in July 1987.
Source: Okaloosa County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 819 CROSS ST, DESTIN, FL 32541-1614 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 1, 1987 |
| Deed Sale | Jul 1, 1987 |
| Deed Document Number | 0001471432 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 819 Cross St was $5,013 with a homeowner's exemption.
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 | $5,013.00 Homeowner's exemption | $462,366 | $861,607 Land $546,106 Building $315,501 |
| 2023 | $4,751.00 (+2.39%) Homeowner's exemption | $436,248 (+3%) | $848,103 (+11.63%) Land $525,101 Building $323,002 |
| 2022 | $4,640.00 Homeowner's exemption | $423,542 | $759,718 Land $454,632 Building $305,086 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 819 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 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.
Wildfire risk around 819 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.
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 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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