4541 Luke Ave, Destin, FL 32541 Property Records

Okaloosa County property record for 4541 Luke Ave, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	8 bd · 9 ba · 4,213 sqft · built 2023
Lot Size	0.353 acres (15,391 sqft)
Owner	Company Name on Record
Last Sale	$1,010,000 (Aug 2021)
Tax Bill	$18,458 (2025)
Deeds & Mortgages	Nov 2022 Mortgage Sep 2021 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-6163-2`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-6163-2`
Alternative APN	`00-2S-22-0580-0033-0050`

Interior

Bedrooms	8 Beds
Full Baths	9 Baths
Stories	2 Stories
Building Area	4,213 sqft Heated Area
Gross Area	4,672 sqft
1st Floor Area	1,701 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Exterior Material	Fiber Cement Siding
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	15,391 sqft (0.353 acres)
Lot Width	50 ft Width
Porch	Open Porch
Porch Area	779 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	4541 LUKE AVE
City	DESTIN
State	FL
Zip	32541-3660
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CRYSTAL BEACH LOT 5 BLK 33
Legal Range	22
Legal Township	02S
Legal Subdivision	CRYSTAL BEACH
Legal Block	33
Legal Lot Number	5 6
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1012
Census Tract	23308

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

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE BANK OF CALIFORNIA
Sep 14, 2021	Deed of Trust, Mortgage · Construction Mortgage DOMINION FINANCIAL SERVICES LLC
Aug 12, 2021	Warranty Deed, Transfer AQUA TITLE SERVICES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 10, 2021 · Amount on Record
Deed Sale	Aug 10, 2021 · Amount on Record
Deed Document Number	0035664944
Deed Book / Page	2480 / 1680
Prior Transfer Date	Oct 6, 2003
Prior Transfer Doc	2062114
Record Updated	Jun 8, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4541 LUKE AVE, DESTIN, FL 32541-3660
Transaction Type	Mortgage
Record Updated	Feb 13, 2024

Transferred To (Grantee/Buyer)

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

Mortgage

Document Number	0036500008
Date	Nov 3, 2022
Book Page	3650/8
Instrument	3589077

Lender

Name	MORTGAGE BANK OF CALIFORNIA
Type	Mortgage Company
Address	MANHATTAN BEACH, CA 90266

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2052

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4541 LUKE AVE, DESTIN, FL 32541-3660
Transaction Type	Mortgage
Record Updated	Feb 13, 2024
Title Company	AQUA TITLE SERVICES

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	0035734221
Date	Sep 14, 2021
Book Page	3573/4221
Instrument	3488470

Lender

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

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Sep 10, 2022

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Aug 12, 2021
Property Address	4541 LUKE AVE, DESTIN, FL 32541-3660
Document Number	0035664944
Book / Page	3566 / 4944
Map Reference	MB 1 PG 17
Instrument Date	Aug 10, 2021
Instrument	3480090
Transaction Type	Transfer
Record Updated	Feb 13, 2024
Title Company	AQUA TITLE SERVICES

Transaction

Amount	Amount Recorded
Tax	$7,070.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	506 HARBOR BLVD, DESTIN, FL 32541-2328

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1355 ISLAND GREEN LANE W, MIRAMAR BEACH, FL 32550
Investor	Possibly a Property Investor

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	$18,458.00 (+325.01%)	$1,558,519 (+328.64%) Land $339,771 Building $1,218,748	$1,558,519 (+328.64%) Land $339,771 Building $1,218,748
2023	$4,343.00 (+28.61%)	$363,593 (+29.73%) Land $308,293 Building $55,300	$363,593 (+29.73%) Land $308,293 Building $55,300
2022	$3,377.00	$280,267 Land $280,267	$280,267 Land $280,267

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 95 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	251 units insured incl. 156 condo units
Nearby Flood Claims	51 (1983–2005)
Claims Outside the SFHA	39 of 51
Most Recent Claim	Jul 2005 · Hurricane Dennis
Claims by Event	Hurricane Frances, Oct 2004 · 6 claims Hurricane Georges, Sep 1998 · 4 claims Hurricane Opal, Oct 1995 · 38 claims

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

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 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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