Okaloosa County property record for 4472 Luke Ave, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,110 sqft · built 1994 |
| Lot Size | 0.136 acres (5,913 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $7,695 (2025) |
| Deeds & Mortgages | Sep 2026 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-6228-3 |
| Primary APN | C56-000-589-6228-3 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,110 sqft Living Area |
| Gross Area | 1,706 sqft |
| 1st Floor Area | 1,110 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 5,913 sqft (0.136 acres) |
| Garage Type | Attached |
| Garage Area | 240 sqft |
| Porch | Slab |
| Porch Area | 356 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4472 LUKE AVE |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-3581 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CRYSTAL BCH COTTAGES PH II LOT 4 |
| Legal Subdivision | CRYSTAL BCH COTTAGES PH II |
| Legal Phase | 2 |
| Legal Lot Number | 4 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1043 |
| Census Tract | 23304 |
4472 Luke Ave, a single family home, is held in a trust.
Source: Okaloosa County records, as of October 21, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 63 MALLARD LN, SANTA ROSA BEACH, FL 32459-3779 |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Sep 29, 2026 |
| Property Address | 4472 LUKE AVE, DESTIN, FL 32541-3581 |
| Document Number | 0003841238 |
| Instrument Date | Sep 23, 2026 |
| Instrument | 20263841238 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Tax | $70.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 63 MALLARD LN, SANTA ROSA BEACH, FL 32459-3779 |
The 2025 property tax bill for 4472 Luke Ave was $7,695.
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 | $7,695.00 | $649,746 Land $471,904 Building $177,842 | $649,746 Land $471,904 Building $177,842 |
| 2023 | $7,264.00 (+9.84%) | $613,417 (+11.78%) Land $428,185 Building $185,232 | $613,417 (+11.78%) Land $428,185 Building $185,232 |
| 2022 | $6,613.00 | $548,775 Land $389,259 Building $159,516 | $548,775 Land $389,259 Building $159,516 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4472 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 |
|
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 1994) 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.
The area around 4472 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.
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 579 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T.
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