Okaloosa County property record for 4565 Luke Ave, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 7 bd · 6.5 ba · 2,888 sqft · built 1960 |
| Lot Size | 0.177 acres (7,699 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $271,000 (Nov 2014) |
| Tax Bill | $11,029 (2025) |
| Deeds & Mortgages | Mar 2021 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-6151-7 |
| Primary APN | C56-000-589-6151-7 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 7 Beds |
|---|---|
| Full Baths | 6.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,888 sqft Living Area |
| Gross Area | 3,336 sqft |
| 1st Floor Area | 1,016 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 7,699 sqft (0.177 acres) |
| Driveway | Driveway |
| Porch | Slab |
|---|---|
| Porch Area | 816 sqft |
| Patio Area | 40 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 4565 LUKE AVE |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-3612 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CRYSTAL BEACH LOT 4 BLK 31 |
| Legal Subdivision | CRYSTAL BEACH |
| Legal Block | 31 |
| Legal Lot Number | 4 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 23308 |
4565 Luke Ave is owned by two individuals who bought it in November 2014.
Source: Okaloosa County records, as of October 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 194 CASA GRANDE LN, SANTA ROSA BEACH, FL 32459-3162 |
| Owner Type | Individual |
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 |
|---|---|
| Last Sale | Nov 14, 2014 · Amount on File |
| Deed Sale | Nov 14, 2014 · Amount on File |
| Prior Sale | Apr 21, 2005 · Amount on File |
| Deed Document Number | 20142962727 |
| Deed Book / Page | 3172 / 3517 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 4565 LUKE AVE, DESTIN, FL 32541-3612 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2024 |
| Title Company | WFT NATIONAL TITLE, WFG NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0035350925 |
|---|---|
| Date | Mar 26, 2021 |
| Book Page | 3535/925 |
| Instrument | 3441452 |
| Name | FNBT BANK |
|---|---|
| Type | Bank |
| Address | FORT WALTON BEACH, FL 32549 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 4565 Luke Ave was $11,029.
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 | $11,029.00 | $1,107,493 Land $453,027 Building $654,466 | $1,107,493 Land $453,027 Building $654,466 |
| 2023 | $10,126.00 (+14.53%) | $1,082,840 (+20.21%) Land $411,058 Building $671,782 | $1,082,840 (+20.21%) Land $411,058 Building $671,782 |
| 2022 | $8,841.00 | $900,755 Land $373,689 Building $527,066 | $900,755 Land $373,689 Building $527,066 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4565 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 4565 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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