820 Zerbe St, Destin, FL 32541 Property Records

Okaloosa County property record for 820 Zerbe St, Destin, FL 32541

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,000 sqft · built 1955
Lot Size	0.257 acres (11,189 sqft)
Owner	Company Name on File
Last Sale	$350,000 (Mar 2024)
Tax Bill	$3,398 (2025)
Deeds & Mortgages	Mar 2024 Sale Jun 2023 Sale
Flood Zone	Zone X (moderate risk)
APN	`C56-000-589-7328-0`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-7328-0`
Alternative APNs	`00-2S-22-0778-0000-0020` `22S200077800000020`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Units	2 Units
Stories	1 Story
Building Area	1,000 sqft Living Area
Gross Area	1,072 sqft
1st Floor Area	1,000 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1955
Effective Year Built	Effective 2005
Architectural Style	Duplex Single
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	11,189 sqft (0.257 acres)
Lot Width	111 ft Width
Canopy	36 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Convection

Location & Zoning

Street Address	820 ZERBE ST
City	DESTIN
State	FL
Zip	32541-1545
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	EDRA S/D UNIT 2
Legal Subdivision	EDRA S/D
Legal Lot Number	20
Legal Unit	2
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2008
Census Tract	23306

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	600 FOURTH ST, DESTIN, FL 32541-1629
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2024	Warranty Deed, Transfer EMERALD COAST TITLE SERVICES INC, EMERALD COAST TITLE SVCS LLC
Jun 16, 2023	Deed of Distribution, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 18, 2024 · Amount on Record
Deed Sale	Mar 18, 2024 · Amount on Record
Deed Document Number	20243676930
Prior Transfer Date	Jun 13, 2023
Prior Transfer Doc	0036794904
Record Updated	Jun 8, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Mar 18, 2024
Property Address	820 ZERBE ST, DESTIN, FL 32541-1545
Document Number	0003676930
Map Reference	MB 7 PG 37
Instrument Date	Mar 18, 2024
Instrument	3676930
Transaction Type	Transfer
Record Updated	Apr 10, 2024
Title Company	EMERALD COAST TITLE SERVICES INC, EMERALD COAST TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Tax	$2,450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	728 BEACH DR, DESTIN, FL 32541-1607

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	600 FOURTH ST, DESTIN, FL 32541-1629

June 2023: Deed of Distribution, Transfer

Document Type	Deed of Distribution
Jurisdiction	OKALOOSA FL
Recording Date	Jun 16, 2023
Property Address	820 ZERBE ST, DESTIN, FL 32541-1545
Document Number	0036794904
Book / Page	3679 / 4904
Map Reference	MB 7 PG 37
Instrument Date	Jun 13, 2023
Instrument	3630437
Transaction Type	Transfer
Record Updated	Jul 13, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	728 BEACH DR, DESTIN, FL 32541-1607

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	728 BEACH DR, DESTIN, FL 32541-1607

Tax Assessment & Valuation

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	$3,398.00 (+91.87%)	$286,908 (+88.2%) Land $106,407 Building $180,501	$286,908 (+88.2%) Land $106,407 Building $180,501
2023	$1,771.00 (+8.65%)	$152,451 (+9.33%) Land $96,449 Building $56,002	$152,451 (+9.33%) Land $96,449 Building $56,002
2022	$1,630.00	$139,435 Land $91,861 Building $47,574	$139,435 Land $91,861 Building $47,574

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

Flood

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 Record 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	Hurricane Frances, Sep 2004 · 18 claims Hurricane Georges, Sep 1998 · 16 claims Hurricane Opal, Oct 1995 · 45 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 139 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Starlink Satellite	280 / 30
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: LiveOak Fiber, T-Mobile USA, Verizon.

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