4457 Luke Ave, Destin, FL 32541 Property Records

Okaloosa County property record for 4457 Luke Ave, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	8 bd · 8 ba · 4,265 sqft · built 2021
Lot Size	0.376 acres (16,398 sqft)
Owner	Company Name on File
Last Sale	$2,400,000 (Jan 2022)
Tax Bill	$25,045 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Oct 2020 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-6179-8`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-6179-8`
Alternative APNs	`00-2S-22-0580-0037-0050` `22S200058000370050`

Interior

Bedrooms	8 Beds
Full Baths	8 Baths
Stories	2 Stories
Building Area	4,265 sqft Living Area
Gross Area	4,772 sqft
1st Floor Area	2,005 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	16,398 sqft (0.376 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	4457 LUKE AVE
City	DESTIN
State	FL
Zip	32541-3587
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CRYSTAL BEACH LOT 5 BLK 37
Legal Subdivision	CRYSTAL BEACH
Legal Block	37
Legal Lot Number	5
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1037
Census Tract	23304

Owner

4457 Luke Ave is owned by a company that bought it in January 2022.

Source: Okaloosa County records, as of April 14, 2026

Owner of Record	Company Name on File
Mailing Address	25025 CHICAGO ST, WATERLOO, NE 68069-4686
Owner Type	Company
Vesting	Limited Liability 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
Jan 10, 2022	Warranty Deed, Transfer · Commercial Mortgage STRONGHILL CAPITAL LLC
Oct 22, 2020	Warranty Deed, Construction Loan · Construction Mortgage FNB BANK
Aug 27, 2020	Quit Claim Deed, Transfer KNIGHT BARRY TITLE SOLUTIONS INC, KNIGHT BARRY TITLE SOLUTIONS I
Sep 3, 2020	Warranty Deed, Transfer KNIGHT BARRY TITLE SOLUTIONS INC, KNIGHT BARRY TITLE SOLUTIONS I

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 10, 2022 · Amount on File
Deed Sale	Jan 10, 2022 · Amount on File
Prior Sale	Sep 3, 2020 · Amount on File
Deed Document Number	20223518560
Deed Book / Page	3597 / 4304
Prior Transfer Date	Aug 25, 2020
Prior Transfer Doc	0034873283
Record Updated	Oct 29, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jan 10, 2022
Property Address	4457 LUKE AVE, DESTIN, FL 32541-3587
Document Number	0035974304
Book / Page	3597 / 4304
Map Reference	MB 1 PG 17
Instrument Date	Jan 4, 2022
Instrument	3518560
Transaction Type	Transfer
Record Updated	Apr 21, 2022
Title Company	MCNEESE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$16,800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	46 HIDEAWAY BAY DR, 46, MIRAMAR BEACH, FL 32550

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25025 CHICAGO ST, WATERLOO, NE 68069-4686

Mortgage

Document Number	0035974307
Date	Jan 10, 2022
Instrument	3597/4307

Lender

Name	STRONGHILL CAPITAL LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

October 2020: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Oct 22, 2020
Property Address	4457 LUKE AVE, DESTIN, FL 32541-3587
Document Number	0035001384
Book / Page	3500 / 1384
Map Reference	MB 1 PG 17
Instrument Date	Oct 6, 2020
Instrument	3400945
Transaction Type	Construction Loan
Record Updated	Feb 7, 2021
Title Company	MEAD LAW & TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 HIDEAWAY BAY DR, MIRAMAR BEACH, FL 32550-6009

Mortgage

Document Number	35001386
Date	Oct 22, 2020
Instrument	3500/1386

Lender

Name	FNB BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OKALOOSA FL
Recording Date	Aug 27, 2020
Property Address	4457 LUKE AVE, DESTIN, FL 32541-3587
Document Number	0034873283
Book / Page	003487 / 003283
Instrument Date	Aug 25, 2020
Instrument	3386336
Transaction Type	Transfer
Record Updated	Oct 6, 2020
Title Company	KNIGHT BARRY TITLE SOLUTIONS INC, KNIGHT BARRY TITLE SOLUTIONS I

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	109 GARDENIA CT NW FORT WALTON BEACH FL 325484324, FORT WALTON BEACH, FL 32548-4324

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Sep 3, 2020
Property Address	4457 LUKE AVE, DESTIN, FL 32541-3587
Document Number	0034892382
Book / Page	003489 / 002382
Instrument Date	Aug 25, 2020
Instrument	3388463
Transaction Type	Transfer
Record Updated	Oct 13, 2020
Title Company	KNIGHT BARRY TITLE SOLUTIONS INC, KNIGHT BARRY TITLE SOLUTIONS I

Transaction

Amount	Amount on Record
Tax	$4,550.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	46 HIDEAWAY BAY DR MIRAMAR BEACH FL 32550, MIRAMAR BEACH, FL 32550

Tax Assessment & Valuation

The 2025 property tax bill for 4457 Luke Ave was $25,045.

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	$25,045.00	$2,114,662 Land $453,027 Building $1,661,635	$2,114,662 Land $453,027 Building $1,661,635
2023	$24,917.00 (+28.87%)	$2,085,835 (+26.16%) Land $411,058 Building $1,674,777	$2,085,835 (+26.16%) Land $411,058 Building $1,674,777
2022	$19,335.00	$1,653,300 Land $373,689 Building $1,279,611	$1,653,300 Land $373,689 Building $1,279,611

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

Flood

FEMA maps place 4457 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 2021) 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 4457 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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