4451 Luke Ave, Destin, FL 32541 Property Records

Okaloosa County property record for 4451 Luke Ave, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	8 bd · 9 ba · 4,476 sqft · built 2024
Lot Size	0.188 acres (8,199 sqft)
Owner	Company Name on File
Last Sale	$703,000 (Feb 2023)
Tax Bill	$19,079 (2025)
Deeds & Mortgages	Mar 2024 Construction Loan Apr 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-6176-4`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-6176-4`
Alternative APNs	`00-2S-22-0580-0037-0020` `22S200058000370020`

Interior

Bedrooms	8 Beds
Full Baths	9 Baths
Stories	1 Story
Building Area	4,476 sqft Living Area
Gross Area	5,794 sqft
1st Floor Area	4,476 sqft
Elevator	Elevator

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	8,199 sqft (0.188 acres)
Lot Width	50 ft Width
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4451 LUKE AVE
City	DESTIN
State	FL
Zip	32541
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CRYSTAL BEACH LOT 2 BLK 37
Legal Subdivision	CRYSTAL BEACH
Legal Block	37
Legal Lot Number	2
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1037
Census Tract	23304

Owner

4451 Luke Ave is owned by a company that bought it in February 2023.

Source: Okaloosa County records, as of June 9, 2026

Owner of Record	Company Name on File
Mailing Address	1535 ISLAND GREEN LN W, MIRAMAR BEACH, FL 32550-4555
Owner Type	Company
Vesting	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 21, 2024	Deed of Trust, Mortgage · Construction Mortgage DEEPHAVEN MORTGAGE LLC
Apr 17, 2023	Deed of Trust, Mortgage · Commercial Mortgage DOMINION FINANCIAL SERVICES LLC
Feb 6, 2023	Warranty Deed, Transfer AQUA TITLE SERVICES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 6, 2023 · Amount on File
Deed Sale	Feb 6, 2023 · Amount on File
Deed Document Number	20233604653
Deed Book / Page	3661 / 432
Prior Transfer Date	Dec 13, 2002
Prior Transfer Doc	0001975315
Record Updated	Sep 20, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4451 LUKE AVE, DESTIN, FL 32541-3587
Transaction Type	Mortgage
Record Updated	Apr 10, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1535 ISLAND GREEN LN W, MIRAMAR BEACH, FL 32550-4555

Mortgage

Document Number	0003677899
Date	Mar 21, 2024
Instrument	3677899

Lender

Name	DEEPHAVEN MORTGAGE LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4451 LUKE AVE, DESTIN, FL 32541-3587
Transaction Type	Mortgage
Record Updated	May 9, 2023
Title Company	AQUA TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1535 ISLAND GREEN LN W, MIRAMAR BEACH, FL 32550-4555

Mortgage

Document Number	0036704321
Date	Apr 17, 2023
Book Page	3670/4321
Instrument	3617970

Lender

Name	DOMINION FINANCIAL SERVICES LLC
Type	Funding / Finance Company
Address	BALTIMORE, MD 21202

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	10 Months
Due	Feb 14, 2024

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Feb 6, 2023
Property Address	4451 LUKE AVE, DESTIN, FL 32541-3587
Document Number	0036610432
Book / Page	3661 / 432
Map Reference	MB 1 PG 17
Instrument Date	Feb 3, 2023
Instrument	3604653
Transaction Type	Transfer
Record Updated	Feb 27, 2023
Title Company	AQUA TITLE SERVICES

Transaction

Amount	Amount on Record
Tax	$4,921.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1568 WILLIAMSTOWN RD, FRANKLINVILLE, NJ 08322-2645

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1535 ISLAND GREEN LN W, MIRAMAR BEACH, FL 32550-4555

Tax Assessment & Valuation

The 2025 property tax bill for 4451 Luke Ave was $19,079.

Source: Okaloosa County assessment roll, as of December 31, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$19,079.00	$1,611,006 Land $453,027 Building $1,157,979	$1,611,006 Land $453,027 Building $1,157,979
2023	$3,961.00 (+8.82%)	$411,058 (+1%) Land $411,058	$411,058 (+1%) Land $411,058
2022	$3,640.00	$373,689 Land $373,689	$373,689 Land $373,689

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

Flood

FEMA maps place 4451 Luke Ave in Zone X, an area of minimal flood risk, though there have been 124 flood claims nearby since 1988.

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 File 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	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, May 2014 · 18 claims Hurricane Frances, Sep 2004 · 23 claims Hurricane Opal, Oct 1995 · 37 claims

Coastal Barrier Resources

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 2024) 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.

Wildfire

The area around 4451 Luke Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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