Okaloosa County property record for 4549 Luke Ave, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,984 sqft · built 2003 |
| Lot Size | 0.177 acres (7,699 sqft) |
| Owner | 2 Company Names on File |
| Tax Bill | $3,581 (2025) |
| Deeds & Mortgages | Sep 2017 Line of Credit Jun 2019 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-6156-6 |
| Primary APN | C56-000-589-6156-6 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,984 sqft Living Area |
| Gross Area | 2,692 sqft |
| 1st Floor Area | 1,984 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 7,699 sqft (0.177 acres) |
| Garage Type | Detached |
| Garage Area | 460 sqft |
| Porch | Slab |
| Porch Area | 248 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4549 LUKE AVE |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-3612 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CRYSTAL BEACH LOT 3 BLK 32 |
| Legal Subdivision | CRYSTAL BEACH |
| Legal Block | 32 |
| Legal Lot Number | 3 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 23308 |
4549 Luke Ave is owned by a company that acquired it in May 2019 and is owner-occupied.
Source: Okaloosa County records, as of October 2, 2026
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 4549 LUKE AVE, DESTIN, FL 32541-3612 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 15, 2017 | Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA |
| Jun 13, 2019 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | May 3, 2019 |
| Transfer Doc | 0034034547 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 4549 LUKE AVE, DESTIN, FL 32541-3612 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMERICAN TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 0033173634 |
|---|---|
| Date | Sep 15, 2017 |
| Book Page | 3317/3634 |
| Instrument | 3160168 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 5, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jun 13, 2019 |
| Property Address | 4549 LUKE AVE, DESTIN, FL 32541-3612 |
| Document Number | 0034034547 |
| Book / Page | 003403 / 004547 |
| Instrument Date | May 3, 2019 |
| Instrument | 3284472 |
| Transaction Type | Transfer |
| Record Updated | Jul 8, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 4549 LUKE AVE DESTIN FL 325413612, DESTIN, FL 32541-3612 |
The 2025 property tax bill for 4549 Luke Ave was $3,581 with a homeowner's exemption.
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 | $3,581.00 Homeowner's exemption | $341,462 | $817,826 Land $453,027 Building $364,799 |
| 2023 | $3,388.00 (+2.48%) Homeowner's exemption | $322,174 (+3%) | $796,560 (+13.05%) Land $411,058 Building $385,502 |
| 2022 | $3,306.00 Homeowner's exemption | $312,790 | $704,608 Land $373,689 Building $330,919 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4549 Luke Ave in Zone X, an area of minimal flood risk, though there have been 51 flood claims nearby since 1983.
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 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 |
|
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 4549 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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