Okaloosa County property record for 820 Cross St, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3 ba · 1,500 sqft · built 1985 |
| Lot Size | 0.684 acres (29,828 sqft) |
| Owner | Company Name on File |
| Last Sale | $324,500 (May 2016) |
| Tax Bill | $3,843 (2025) |
| Deeds & Mortgages | Jun 2018 Mortgage May 2020 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | C56-000-589-4774-8 |
| Primary APN | C56-000-589-4774-8 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,500 sqft Heated Area |
| Gross Area | 1,998 sqft |
| 1st Floor Area | 1,500 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Exterior Material | Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 29,828 sqft (0.684 acres) |
| Lot Width | 100 ft Width |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Open Porch |
|---|---|
| Porch Area | 224 sqft |
| Patio Area | 204 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 820 CROSS ST |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-1615 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CALHOUN S/D DESTIN LOT 206 BLK G |
| Legal Range | 22 |
| Legal Township | 02S |
| Legal Subdivision | CALHOUN S/D |
| Legal Block | G |
| Legal Lot Number | 206 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 23306 |
820 Cross St is owned by a company that acquired it in April 2024.
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 | Company Name on File |
|---|---|
| Mailing Address | 273 AZALEA DR STE B, B, DESTIN, FL 32541-2398 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Jun 19, 2018 | Deed of Trust, Mortgage · Commercial Mortgage SUNTRUST BANK |
| May 29, 2020 | Deed of Trust, Mortgage · Conventional with PMI LOANDEPOT.COM LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 11, 2016 · Amount on File |
| Deed Sale | May 11, 2016 · Amount on File |
| Deed Document Number | 0032473225 |
| Deed Book / Page | 003247 / 003225 |
| Last Transfer Date | Apr 16, 2024 |
| Transfer Doc | 0003682430 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 820 CROSS ST, DESTIN, FL 32541-1615 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0033550826 |
|---|---|
| Date | Jun 19, 2018 |
| Book Page | 3355/0826 |
| Instrument | 3214263 |
| Name | SUNTRUST BANK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 820 CROSS ST, DESTIN, FL 32541-1615 |
| Document Number | 0034670694 |
| Instrument Date | May 29, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 6, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 820 CROSS ST DESTIN FL 325411615, DESTIN, FL 32541-1615 |
| Document Number | 0034670694 |
|---|---|
| Date | Jun 8, 2020 |
| Book Page | 003467/000694 |
| Instrument | 3363627 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 7, 2050 |
The 2025 property tax bill for 820 Cross St was $3,843.
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 | $3,843.00 | $324,527 Land $158,200 Building $166,327 | $324,527 Land $158,200 Building $166,327 |
| 2023 | $2,339.00 (+2.63%) Homeowner's exemption | $234,371 (+3%) | $309,904 (+7.88%) Land $143,544 Building $166,360 |
| 2022 | $2,279.00 Homeowner's exemption | $227,545 | $287,262 Land $130,494 Building $156,768 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 820 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 |
|
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 820 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures