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4476 Luke Ave, Destin, FL 32541 Property Records

Okaloosa County property record for 4476 Luke Ave, Destin, FL 32541

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 1,556 sqft · built 1995
Lot Size0.135 acres (5,913 sqft)
OwnerCompany Name on Record
Last Sale$885,000 (May 2024)
Tax Bill$8,566 (2025)
Deeds & MortgagesMay 2024 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APNC56-000-589-6229-1

Property Details

APN / Parcel Number

Primary APNC56-000-589-6229-1
Alternative APN
  • 00-2S-22-0583-0000-0050

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories1 Story
Building Area1,556 sqft Heated Area
Gross Area2,236 sqft
1st Floor Area1,556 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1995
Exterior MaterialVinyl
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area5,913 sqft (0.135 acres)
PorchOpen Porch
Porch Area680 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address4476 LUKE AVE
CityDESTIN
StateFL
Zip32541-3581
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCRYSTAL BCH COTTAGES PH II LOT 5
Legal Range22
Legal Township02S
Legal SubdivisionCRYSTAL BEACH COTTAGES PH II
Legal Phase2
Legal Lot Number5
JurisdictionOKALOOSA FL
Township / Civil DivisionFORT WALTON BEACH
Census Block Group1
Census Block1043
Census Tract23304

Owner

Source: Okaloosa County records, as of December 8, 2025

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

Owner of RecordCompany Name on Record
Co-owner2 Co-owners on Record
Mailing Address1551 W HARPETH RD, FRANKLIN, TN 37064-9637
Owner TypeCompany, Secondary Individual
VestingTrust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names3 Names on Deed
Last SaleMay 14, 2024 · Amount on Record
Deed SaleMay 14, 2024 · Amount on Record
Prior SaleMay 14, 2024 · Amount on Record
Deed Document Number0003687498
Last Transfer DateJul 23, 2025
Transfer Doc0003765075
Record UpdatedJun 8, 2026

May 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOKALOOSA FL
Recording DateMay 14, 2024
Property Address4476 LUKE AVE, DESTIN, FL 32541-3581
Document Number0003687498
Map ReferenceMB 12 PG 81
Instrument DateMay 8, 2024
Instrument3687498
Transaction TypeTransfer
Record UpdatedApr 2, 2026
Title CompanyMCNEESE TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$6,195.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3791 CANVASBACK CT, MARIETTA, GA 30062-6204

Transferred To (Grantee/Buyer)

NameVerified Name
Address1551 W HARPETH RD, FRANKLIN, TN 37064-9637
InvestorPossibly a Property Investor

Mortgage

Document Number0003687499
DateMay 14, 2024
Instrument3687499
Lender
NameNORTHPOINTE BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 1, 2054

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOkaloosa County
MunicipalityDestin City
Unified School DistrictOkaloosa County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$8,566.00 (+18.71%)$723,308 (+5.35%) Land $471,904 Building $251,404$723,308 (+5.35%) Land $471,904 Building $251,404
2023$7,216.00 (+9.57%)$686,590 (+11.26%) Land $428,185 Building $258,405$686,590 (+11.26%) Land $428,185 Building $258,405
2022$6,586.00$617,109 Land $389,259 Building $227,850$617,109 Land $389,259 Building $227,850

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 117 individual policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies460 units insured
incl. 343 condo units
Nearby Flood Claims124 (1988–2020)
Claims Outside the SFHA83 of 124
Most Recent ClaimSep 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 SystemYes
UnitP32 “Moreno Point”
Unit TypeSystem Unit
DesignatedOct 18, 1982
NFIP EligibilityNot eligible (built 1995)
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 RiskNot 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 SystemDESTIN WATER USERS, INC.
private · serves 31,752 people · EPA ID FL1460202
Water SourceGroundwater
Last State InspectionJan 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 579 locations within half a mile, as of December 31, 2025

ProviderMax 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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