Okaloosa County property record for 4438 Luke Ave, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,768 sqft · built 2015 |
| Lot Size | 0.172 acres (7,499 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,425,000 (Oct 2021) |
| Tax Bill | $16,735 (2025) |
| Deeds & Mortgages | Oct 2021 Sale & Mortgage Nov 2018 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-001-062-2266-4 |
| Primary APN | C56-001-062-2266-4 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,768 sqft Living Area |
| Gross Area | 4,288 sqft |
| 1st Floor Area | 1,960 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 7,499 sqft (0.172 acres) |
| Lot Dimensions | 100 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 672 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 848 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4438 LUKE AVE |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-3579 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CRYSTAL BEACH PH 8 LOT 1 |
| Legal Subdivision | CRYSTAL BEACH |
| Legal Phase | 8 |
| Legal Lot Number | 1 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1046 |
| Census Tract | 23304 |
Source: Okaloosa County records, as of January 27, 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 Record |
|---|---|
| Mailing Address | 4790 ROYAL BIRKDALE DR, WESTERVILLE, OH 43082-2529 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 21, 2021 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Nov 7, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 21, 2021 · Amount on Record |
| Deed Sale | Oct 21, 2021 · Amount on Record |
| Deed Document Number | 20213498749 |
| Deed Book / Page | 3582 / 139 |
| Prior Transfer Date | Nov 15, 2018 |
| Prior Transfer Doc | 0033750565 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Oct 21, 2021 |
| Property Address | 4438 LUKE AVE, DESTIN, FL 32541-3579 |
| Document Number | 0035820139 |
| Book / Page | 3582 / 139 |
| Map Reference | MB 1 PG 17 |
| Instrument Date | Oct 19, 2021 |
| Instrument | 3498749 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2021 |
| Title Company | NOT AVAILABLE, BRADLEY TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $9,975.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 11275 US HIGHWAY 98 W # W316, 11275, MIRAMAR BEACH, FL 32550-6954 |
| Name | Verified Name |
|---|---|
| Address | 4790 ROYAL BIRKDALE DR, WESTERVILLE, OH 43082-2529 |
| Document Number | 3582141 |
|---|---|
| Date | Oct 21, 2021 |
| Instrument | 3582/141 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Nov 7, 2018 |
| Property Address | 4438 LUKE AVE, DESTIN, FL 32541-3579 |
| Document Number | 0033740960 |
| Book / Page | 003374 / 000960 |
| Instrument Date | Oct 30, 2018 |
| Instrument | 3242228 |
| Transaction Type | Transfer |
| Record Updated | Dec 11, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 11275 US HIGHWAY 98 W #316 MIRAMAR BEACH FL 325506954, 316, MIRAMAR BEACH, FL 32550-6954 |
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 | $16,735.00 (+7.71%) | $1,413,045 (+2.41%) Land $509,656 Building $903,389 | $1,413,045 (+2.41%) Land $509,656 Building $903,389 |
| 2023 | $15,537.00 (+14.96%) | $1,379,790 (+23.03%) Land $462,440 Building $917,350 | $1,379,790 (+23.03%) Land $462,440 Building $917,350 |
| 2022 | $13,515.00 | $1,121,506 Land $420,400 Building $701,106 | $1,121,506 Land $420,400 Building $701,106 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 117 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 460 units insured incl. 343 condo units |
| Nearby Flood Claims | 124 (1988–2020) |
| Claims Outside the SFHA | 83 of 124 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| Claims by Event |
|
Source: USFWS Coastal Barrier Resources System, as of December 19, 2024
| Coastal Barrier Resources System | Yes |
|---|---|
| Unit | P32 “Moreno Point” |
| Unit Type | System Unit |
| Designated | Oct 18, 1982 |
| NFIP Eligibility | Not eligible (built 2015) built after the Oct 1, 1983 cutoff · private flood insurance only |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 175 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 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: LiveOak Fiber.
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