824 Cross St, Destin, FL 32541 Property Records

Okaloosa County property record for 824 Cross St, Destin, FL 32541 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	4 Baths
Year Built	Built 2006
Square Footage	3,882 sqft Heated Area
Lot Size	20,012 sqft (0.459 acres)
Occupancy	Owner Occupied
Last Sale	$385,000 (2012)
Tax Bill	$6,345.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`C56-000-963-6723-0`
Alternative APN	`00-2S-22-1160-0000-0020`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Building Area	3,882 sqft Heated Area
Gross Area	4,879 sqft Gross Area
1st Floor	1,866 sqft 1st Floor
Upper Floors	2,016 sqft Upper Floors
Stories	2 Stories
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2006
Exterior Material	Other Exterior
Roof Construction	Gable/Hip Roof Construction
Roof Material	Metal Roof
Lot Area	20,012 sqft (0.459 acres)
Garage Type	Finished Garage
Garage Area	575 sqft Garage
Porch	Open Porch
Porch Area	422 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Forced Air Heating

Location & Zoning

Street Address	824 CROSS ST
City	DESTIN
State	FL
Zip	32541-1615
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	OSHEA ESTATES LOT 2
Legal Range	22
Legal Township	02S
Legal Subdivision	OSHEA ESTATES
Legal Lot Number	2
Jurisdiction	OKALOOSA FL
Minor Civil Division	FORT WALTON BEACH
Census Blockgroup	1
Census Block	1003
Census Tract	23306

Owner

Source: Okaloosa County records · APN C56-000-963-6723-0

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of Record	Owner Name on File
Mailing Address	824 CROSS ST, DESTIN, FL 32541-1615
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 26, 2012 · Amount on Record
Deed Sale	Mar 26, 2012 · Amount on Record
Prior Sale	Jan 27, 2012 · Amount on Record
Deed Doc Number	2765001
Deed Book / Page	3027 / 3257
Record Refreshed	Jun 08, 2026

Tax Assessment & Valuation

Source: Okaloosa County records · Assessment roll updated July 1, 2025 · Last verified December 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,345.00 (+5.43%) Homeowner's exemption	$574,782 (+5.99%)	$1,006,912 (+0.95%) Land $143,818 Building $863,094
2023	$6,018.00 (+2.33%) Homeowner's exemption	$542,314 (+3%)	$997,419 (+6.7%) Land $130,494 Building $866,925
2022	$5,881.00 Homeowner's exemption	$526,518	$934,779 Land $118,631 Building $816,148

Flood & Wildfire

824 Cross St is in FEMA Zone AE, inside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).

Flood

Source: FEMA National Flood Hazard Layer · Okaloosa County (12091C), updated March 8, 2021

FEMA Flood Zone	Zone AE 1% annual chance, base flood elevation determined
Special Flood Hazard Area	Yes flood insurance required for federally backed mortgages
Floodway	No
Base Flood Elevation	8.0 ft vertical datum per the FIRM (NAVD88 on current maps)

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Low 4th percentile of exposed land nationally · 4th in Florida
Wildfire Likelihood	Low — about 1 in 8,333 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.