4458 Luke Ave, Destin, FL 32541 Property Records

Okaloosa County property record for 4458 Luke Ave, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	7 bd · 7 ba · 3,320 sqft · built 2021
Lot Size	0.172 acres (7,498 sqft)
Owner	Company Name on File
Last Sale	$1,650,000 (Jul 2021)
Tax Bill	$20,374 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Jul 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-001-048-1008-0`

Property Details

APN / Parcel Number

Primary APN	`C56-001-048-1008-0`
Alternative APN	`00-2S-22-0640-0000-0010`

Interior

Bedrooms	7 Beds
Full Baths	7 Baths
Stories	2 Stories
Building Area	3,320 sqft Heated Area
Gross Area	3,560 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Exterior Material	Fiber Cement Siding
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	7,498 sqft (0.172 acres)
Lot Width	75 ft Width
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	4458 LUKE AVE
City	DESTIN
State	FL
Zip	32541-3580
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CRYSTAL BEACH PH 7 LOT 9A BLK 19
Legal Range	22
Legal Township	02S
Legal Subdivision	CRYSTAL BEACH PH 7
Legal Phase	7
Legal Block	19
Legal Lot Number	9A
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1042
Census Tract	23304

Owner

Source: Okaloosa County assessment roll, as of July 1, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

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

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2022	Deed of Trust, Mortgage · Commercial Mortgage DOMINION FINANCIAL SERVICES LLC
Jul 19, 2021	Warranty Deed, Transfer · Commercial Mortgage LENDINGHOME FUNDING CORP
Aug 19, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 19, 2021 · Amount on Record
Deed Sale	Jul 19, 2021 · Amount on Record
Prior Sale	Aug 19, 2020 · Amount on Record
Deed Document Number	3473001
Deed Book / Page	3561 / 1188
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4458 LUKE AVE, DESTIN, FL 32541-3580
Transaction Type	Mortgage
Record Updated	Jul 11, 2022
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	0036283577
Date	Jun 21, 2022
Book Page	3628/3577
Instrument	3558998

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jul 19, 2021
Property Address	4458 LUKE AVE, DESTIN, FL 32541-3580
Document Number	0035611188
Book / Page	3561 / 1188
Map Reference	MB 26 PG 18
Instrument Date	Jul 15, 2021
Instrument	3473001
Transaction Type	Transfer
Record Updated	Apr 21, 2022
Title Company	AQUA TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$11,550.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	72 BARRACUDA ST, 72, DESTIN, FL 32541-3663

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1535 ISLAND GREEN LN W, MIRAMAR BEACH, FL 32550-4555
Investor	Possibly a Property Investor

Mortgage

Document Number	0035611190
Date	Jul 19, 2021
Instrument	3561/1190

Lender

Name	LENDINGHOME FUNDING CORP
Type	Mortgage Company

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Aug 19, 2020
Property Address	4458 LUKE AVE, DESTIN, FL 32541-3580
Document Number	0034844957
Book / Page	003484 / 004957
Instrument Date	Aug 17, 2020
Instrument	3383570
Transaction Type	Transfer
Record Updated	Oct 5, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$2,415.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	72 BARRACUDA ST DESTIN FL 325413663, DESTIN, FL 32541-3663

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of July 1, 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	$20,374.00 (+6.14%)	$1,720,289 (+0.4%) Land $509,656 Building $1,210,633	$1,720,289 (+0.4%) Land $509,656 Building $1,210,633
2023	$19,195.00 (+15.54%)	$1,713,462 (+24.29%) Land $462,440 Building $1,251,022	$1,713,462 (+24.29%) Land $462,440 Building $1,251,022
2022	$16,613.00	$1,378,632 Land $420,400 Building $958,232	$1,378,632 Land $420,400 Building $958,232

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

Flood

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	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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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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