Okaloosa County property record for 832 Cross St, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,320 sqft · built 1992 |
| Lot Size | 0.644 acres (28,030 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $250,000 (Nov 2015) |
| Tax Bill | $3,813 (2025) |
| Deeds & Mortgages | Aug 2018 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | C56-000-589-4777-1 |
| Primary APN | C56-000-589-4777-1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,320 sqft Living Area |
| Gross Area | 1,837 sqft |
| 1st Floor Area | 1,320 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 28,030 sqft (0.644 acres) |
| Lot Width | 202 ft Width |
| Porch | Finished/Open Porch |
| Porch Area | 98 sqft |
| Patio Area | 468 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 832 CROSS ST |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-1634 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CALHOUN S/D DESTIN S 203,2FT OF LOT 209 BLK G |
| Legal Subdivision | CALHOUN S/D |
| Legal Block | G |
| Legal Lot Number | 209 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 23306 |
832 Cross St is owned by two individuals who bought it in November 2015.
Source: Okaloosa County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 919 PEACOCKS POINT DR, DESTIN, FL 32541-1664 |
| 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 | 2 Names on Deed |
|---|---|
| Last Sale | Nov 18, 2015 · Amount on File |
| Deed Sale | Nov 18, 2015 · Amount on File |
| Deed Document Number | 20153033762 |
| Deed Book / Page | 3225 / 20 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 832 CROSS ST, DESTIN, FL 32541-1634 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0033613543 |
|---|---|
| Date | Aug 1, 2018 |
| Book Page | 3361/3543 |
| Instrument | 3223665 |
| Name | FIRST BANK & TRUST |
|---|---|
| Type | Bank |
| Address | COVINGTON, LA 70434 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 119 Months |
| Due | Jul 25, 2028 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 832 Cross St was $3,813.
Source: Okaloosa County assessment roll, as of December 31, 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 | $3,813.00 | $328,432 Land $172,582 Building $155,850 | $328,432 Land $172,582 Building $155,850 |
| 2023 | $3,399.00 (+8.77%) | $311,606 (+9.66%) Land $156,593 Building $155,013 | $311,606 (+9.66%) Land $156,593 Building $155,013 |
| 2022 | $3,125.00 | $284,146 Land $142,357 Building $141,789 | $284,146 Land $142,357 Building $141,789 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 832 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 832 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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