4553 Luke Ave, Destin, FL 32541 Property Records

Okaloosa County property record for 4553 Luke Ave, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	8 bd · 8.5 ba · 4,510 sqft · built 2024
Lot Size	0.177 acres (7,699 sqft)
Owner	Company Name on Record
Last Sale	$850,000 (Aug 2023)
Tax Bill	$21,891 (2025)
Deeds & Mortgages	Aug 2023 Sale & Construction Loan May 2023 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-6158-2`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-6158-2`
Alternative APNs	`00-2S-22-0580-0032-0050` `22S200058000320050`

Interior

Bedrooms	8 Beds
Full Baths	8.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	4,510 sqft Living Area
Gross Area	5,730 sqft
1st Floor Area	4,510 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Hardboard
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	7,699 sqft (0.177 acres)
Garage Type	Attached
Garage Area	420 sqft
Porch	Slab
Porch Area	193 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4553 LUKE AVE
City	DESTIN
State	FL
Zip	32541-3612
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CRYSTAL BEACH LOT 5 BLK 32
Legal Subdivision	CRYSTAL BEACH
Legal Block	32
Legal Lot Number	5
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1004
Census Tract	23308

Owner

Source: Okaloosa County records, as of October 13, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

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

Deeds, Mortgages & Sale History

Date	Document
Aug 15, 2023	Warranty Deed, Transfer · Construction Mortgage KIAVI FUNDING INC
May 26, 2023	Warranty Deed, Transfer AQUA TITLE SERVICES
Feb 21, 2023	Warranty Deed, Transfer SOUTHERN OAKS TITLE LLC, SOUTHERN COAST TITLE LLC
Mar 29, 2023	Correction Deed SOUTHERN OAKS TITLE LLC, SOUTHERN COAST TITLE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 15, 2023 · Amount on Record
Deed Sale	Aug 15, 2023 · Amount on Record
Prior Sale	May 26, 2023 · Amount on Record
Deed Document Number	20233641410
Deed Book / Page	3687 / 3801
Prior Transfer Date	Jul 13, 2011
Prior Transfer Doc	0029930760
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Aug 15, 2023
Property Address	4553 LUKE AVE, DESTIN, FL 32541-3612
Document Number	0036873801
Book / Page	3687 / 3801
Map Reference	MB 1 PG 17
Instrument Date	Aug 14, 2023
Instrument	3641410
Transaction Type	Transfer
Record Updated	Feb 13, 2024
Title Company	AQUA TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,950.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	830 FRANKLIN ST, DOWNERS GROVE, IL 60515-3739

Transferred To (Grantee/Buyer)

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

Mortgage

Document Number	0036873803
Date	Aug 15, 2023
Book Page	3687/3803
Instrument	3641411

Lender

Name	KIAVI FUNDING INC
Type	Mortgage Company
Address	PITTSBURGH, PA 15212

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	May 26, 2023
Property Address	4553 LUKE AVE, DESTIN, FL 32541-3612
Document Number	0036763847
Book / Page	3676 / 3847
Map Reference	MB 1 PG 17
Instrument Date	Apr 28, 2023
Instrument	3626144
Transaction Type	Transfer
Record Updated	Feb 13, 2024
Title Company	AQUA TITLE SERVICES

Transaction

Amount	Amount Recorded
Tax	$5,775.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	73 BARRACUDA ST, DESTIN, FL 32541-3664

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	830 FRANKLIN ST, DOWNERS GROVE, IL 60515-3739

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Feb 21, 2023
Property Address	4553 LUKE AVE, DESTIN, FL 32541-3612
Document Number	0036624321
Book / Page	3662 / 4321
Map Reference	MB 1 PG 17
Instrument Date	Feb 16, 2023
Instrument	3607240
Transaction Type	Transfer
Record Updated	Feb 13, 2024
Title Company	SOUTHERN OAKS TITLE LLC, SOUTHERN COAST TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$5,425.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5943 E 36TH LN, YUMA, AZ 85365-6444

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	73 BARRACUDA ST, DESTIN, FL 32541-3664

March 2023: Correction Deed

Document Type	Correction Deed
Jurisdiction	OKALOOSA FL
Recording Date	Mar 29, 2023
Property Address	4553 LUKE AVE, DESTIN, FL 32541-3612
Document Number	0036681173
Book / Page	3668 / 1173
Map Reference	MB 1 PG 17
Instrument Date	Feb 14, 2023
Instrument	3614487
Record Updated	Feb 13, 2024
Title Company	SOUTHERN OAKS TITLE LLC, SOUTHERN COAST TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5943 E 36TH LN, YUMA, AZ 85365-6444

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	73 BARRACUDA ST, DESTIN, FL 32541-3664

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of December 31, 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	$21,891.00 (+807.59%)	$1,848,388 (+668.51%) Land $453,027 Building $1,395,361	$1,848,388 (+193.48%) Land $453,027 Building $1,395,361
2023	$2,412.00 (+2.64%) Homeowner's exemption	$240,516 (+3%)	$629,824 (+11.86%) Land $411,058 Building $218,766
2022	$2,350.00 Homeowner's exemption	$233,511	$563,046 Land $373,689 Building $189,357

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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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