828 Cross St, Destin, FL 32541 Property Records

Okaloosa County property record for 828 Cross St, Destin, FL 32541 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	3.5 Baths
Year Built	Built 2005
Square Footage	3,765 sqft Living Area
Lot Size	40,011 sqft (0.919 acres)
Occupancy	Owner Occupied
Last Sale	$475,000 (2012)
Tax Bill	$6,184.00 (2025)

Owner

Source: Okaloosa County records · APN C56-000-963-6722-2

Assessment roll updated December 31, 2025 · Last verified April 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	828 CROSS ST, DESTIN, FL 32541-1615
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Life Estate

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 23, 2012 · Amount on Record
Deed Sale	Mar 23, 2012 · Amount on Record
Prior Sale	May 25, 2004 · Amount on Record
Deed Doc Number	20122764710
Deed Book / Page	3027 / 2397
Prior Transfer Date	Jul 17, 2008
Prior Transfer Doc	0028511432
Record Refreshed	Jun 08, 2026

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OKALOOSA FL
Recording Date	Feb 10, 2026
Property Address	828 CROSS ST, DESTIN, FL 32541-1615
Document Number	0003798033
Map Reference	MB 23 PG 52
Instrument Date	Feb 02, 2026
Instrument	3798033
Transaction Type	Transfer
Record Updated	Mar 03, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Zero or No Consideration Stated
Additional	Interfamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	828 CROSS ST, DESTIN, FL 32541-1615

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	828 CROSS ST, DESTIN, FL 32541-1615

Tax Assessment & Valuation

Source: Okaloosa County records · Assessment roll updated December 31, 2025 · Last verified April 2026

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	$6,184.00 (+5.44%) Homeowner's exemption	$561,232 (+5.99%)	$1,081,324 (+1.5%) Land $172,582 Building $908,742
2023	$5,865.00 (+2.32%) Homeowner's exemption	$529,529 (+3%)	$1,065,300 (+6.87%) Land $156,593 Building $908,707
2022	$5,732.00 Homeowner's exemption	$514,106	$996,830 Land $142,357 Building $854,473

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Okaloosa County (12091C), updated March 8, 2021 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood Zone	Zone AE
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Special Flood Hazard Area	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Floodway	No
Base Flood Elevation	8.0 ft

Wildfire

Wildfire Risk	Low above 4% of the US · above 4% of Florida
Wildfire Likelihood	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.

Property Details

APN / Parcel Number

Primary APN	`C56-000-963-6722-2`
Alternative APNs	`00-2S-22-1160-0000-0010` `22S200116000000010`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Partial Baths	1 Partial Baths
Building Area	3,765 sqft Living Area
Gross Area	5,559 sqft Gross Area
1st Floor	2,004 sqft 1st Floor
Upper Floors	1,761 sqft Upper Floors
Stories	2 Stories
Primary Flooring	Terrazzo Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Other Exterior
Roof Construction	Gable/Hip Roof Construction
Roof Material	Metal Roof
Lot Area	40,011 sqft (0.919 acres)
Garage Type	Detached Garage
Garage Area	864 sqft Garage
Porch Area	606 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Forced Air with Air Conditioning Heating

Location & Zoning

Street Address	828 CROSS ST
City	DESTIN
State	FL
Zip	32541-1615
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	OSHEA ESTATES LOT 1
Legal Subdivision	OSHEA ESTATES
Legal Lot Number	1
Jurisdiction	OKALOOSA FL
Minor Civil Division	FORT WALTON BEACH
Census Blockgroup	1
Census Block	1003
Census Tract	23306