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Single Family ResidenceResidential
$503,928$336 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 94How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $324,500 on May 11, 2016

820 CROSS ST

DESTIN, FL 32541
2
Beds
3
Baths
1,500 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.68 ac
Lot SizeThe size of the land the home sits on, from county records.
1985
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$504K
$474K low$534K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$324,500 · May 11, 2016

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,844 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$324,527 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$158,200
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$166,327
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$318,873
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$324,527

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.36 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.72%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyOkaloosa
Lot (acres)The size of the land the home sits on, from county records.0.69
RoofThe main material covering the roof, such as asphalt shingle or tile.Wood
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Carport (Unspecified)
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 204 ft²Porch · 224 ft²

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Destin Elementary SchoolA+
Elementary · Grades PK–4 · 0.6 mi
M
Destin Middle SchoolA
Middle · Grades 5–8 · 4.5 mi
H
Fort Walton Beach High SchoolC+
High · Grades 9–12 · 8.4 mi

District: Okaloosa County School District

Neighborhood · ZIP 32541These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.135
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.80
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.18

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.62%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.31%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.3%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.18,561
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,346 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$93,785
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$135,722
Average tempThe average temperature here across a full year.67°F
Annual precipHow much rain and melted snow falls here in a typical year.68 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.60%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

820 Cross St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 77% of homes in Okaloosa County
  • Costs more per square foot than 83% of homes in Okaloosa County
  • Has a bigger lot than 75% of homes in Okaloosa County
  • Older than 65% of homes in Destin 32541

What homes are worth in Destin 32541

Each bar is how many homes fall in that price range. The marker is this home.

This home
$197K$3M

This home is worth more than 39% of homes in Destin 32541.

How it measures up in Destin 32541

The dot is this home. The mark in the middle is the typical home in Destin 32541.

Estimated value$503,928
CheaperTypical $586,683Pricier

Pricier than 39% of homes nearby

Price per ft²$336
CheaperTypical $401Pricier

Pricier than 38% of homes nearby

Living area1,500 ft²
SmallerTypical 1,576 ft²Bigger

Bigger than 47% of homes nearby

Lot size0.68 ac
SmallerTypical 0.41 acBigger

Bigger than 61% of homes nearby

Year built1985
OlderTypical 1996Newer

Newer than 35% of homes nearby

How 820 Cross St ranks against every home in each area.
MeasureThis homeDestin 32541Okaloosa County
Estimated valuepricier than$503,92839% of homes77% of homes
Price per ft²pricier than$33638% of homes83% of homes
Living areabigger than1,500 ft²47% of homes42% of homes
Lot sizebigger than0.68 ac61% of homes75% of homes
Year builtnewer than198535% of homes41% of homes

About 820 Cross St

How much is 820 Cross St, Destin, FL worth?

The TopHap Estimate for 820 Cross St, Destin, FL is $503,928 as of Sep 24, 2026. The likely range is $474,248 to $533,608. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 820 Cross St, Destin, FL last sell?

820 Cross St, Destin, FL last sold on May 11, 2016 for $324,500, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 820 Cross St, Destin, FL?

820 Cross St, Destin, FL has 2 bedrooms, 3 bathrooms, 1,500 square feet of living space and a 0.69-acre lot.

When was 820 Cross St, Destin, FL built?

820 Cross St, Destin, FL was built in 1985, making it 41 years old. The building has 1 story.

What schools serve 820 Cross St, Destin, FL?

820 Cross St, Destin, FL is assigned to Destin Elementary School (elementary), rated A+; Destin Middle School (middle), rated A; Fort Walton Beach High School (high), rated C+. All sit in Okaloosa County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 820 Cross St, Destin, FL compare to other homes in Destin 32541?

Among the 16,806 homes in Destin 32541, it is worth more than 39% of them ($503,928 against a typical $586,683), its price per square foot is higher than 38% of them ($336 against a typical $401), it is bigger than 47% of them (1,500 ft² against a typical 1,576 ft²), its lot is bigger than 61% of them (0.68 ac against a typical 0.41 ac) and it is newer than 35% of them (1985 against a typical 1996). Measured against all of Okaloosa County, it is worth more than 77% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 820 Cross St, Destin, FL?

The 2025 property tax bill for 820 Cross St, Destin, FL was $3,844. The county assessed it at $324,527.

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Assigned schools

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