4569 Luke Ave, Destin, FL 32541 Property Records

Okaloosa County property record for 4569 Luke Ave, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,260 sqft · built 1959
Lot Size	0.177 acres (7,699 sqft)
Owner	2 Individual Names on File
Last Sale	$1,725,000 (Jan 2023)
Tax Bill	$15,275 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage Aug 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-6152-5`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-6152-5`
Alternative APNs	`00-2S-22-0580-0031-0050` `22S200058000310050`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	3,260 sqft Living Area
Gross Area	3,910 sqft
1st Floor Area	780 sqft
Upper Floors Area	1,240 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1959
Effective Year Built	Effective 2000
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,699 sqft (0.177 acres)
Lot Width	50 ft Width
Porch	Porch
Porch Area	1,240 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4569 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 31
Legal Subdivision	CRYSTAL BEACH
Legal Block	31
Legal Lot Number	5
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1004
Census Tract	23308

Owner

4569 Luke Ave is owned by two individuals who bought it in January 2023.

Source: Okaloosa County records, as of September 1, 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	2 Individual Names on File
Mailing Address	915 LAURENS WAY, BRENTWOOD, TN 37027-8740
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Jan 3, 2023	Warranty Deed, Transfer · Conventional Mortgage COGENT BANK
Aug 3, 2021	Intrafamily Transfer, Transfer MEAD LAW AND TITLE, MEAD LAW AND TITLE PLLC
Apr 1, 2020	Warranty Deed, Transfer · Conventional Mortgage FIRST FEDERAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 3, 2023 · Amount on File
Deed Sale	Jan 3, 2023 · Amount on File
Prior Sale	Apr 1, 2020 · Amount on File
Deed Document Number	20233598915
Deed Book / Page	3657 / 428
Prior Transfer Date	Jul 8, 2021
Prior Transfer Doc	0035641634
Record Updated	Oct 29, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jan 3, 2023
Property Address	4569 LUKE AVE, DESTIN, FL 32541-3612
Document Number	0036570428
Book / Page	3657 / 428
Map Reference	MB 1 PG 17
Instrument Date	Dec 30, 2022
Instrument	3598915
Transaction Type	Transfer
Record Updated	Feb 13, 2024
Title Company	WAYPOINT TITLE, WAYPOINT TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$12,075.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6515 SHADY SLOPE, OSAGE BEACH, MO 65065-4701

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	915 LAURENS WAY, BRENTWOOD, TN 37027-8740

Mortgage

Document Number	0003657430
Date	Jan 3, 2023
Instrument	3657/430

Lender

Name	COGENT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Jan 1, 2030
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.8%
Index	Other
Margin	3
Max Rate	10.8%

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OKALOOSA FL
Recording Date	Aug 3, 2021
Property Address	4569 LUKE AVE, DESTIN, FL 32541-3612
Document Number	0035641634
Book / Page	3564 / 1634
Map Reference	MB 1 PG 17
Instrument Date	Jul 8, 2021
Instrument	3476871
Transaction Type	Transfer
Record Updated	Feb 13, 2024
Title Company	MEAD LAW AND TITLE, MEAD LAW AND TITLE PLLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2568 HOSEA L WILLIAMS DR NE, ATLANTA, GA 30317-2822

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2568 HOSEA L WILLIAMS DR NE, ATLANTA, GA 30317-2822

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Apr 1, 2020
Property Address	4569 LUKE AVE, DESTIN, FL 32541-3612
Document Number	0034532910
Book / Page	3453 / 2910
Map Reference	MB 1 PG 17
Instrument Date	Mar 31, 2020
Instrument	3349001
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,309.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2568 HOSEA L WILLIAMS DR NE, ATLANTA, GA 30317-2822

Mortgage

Document Number	0034532912
Date	Apr 1, 2020
Instrument	3453/2912

Lender

Name	FIRST FEDERAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 4569 Luke Ave was $15,275.

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	$15,275.00	$1,289,756 Land $453,027 Building $836,729	$1,289,756 Land $453,027 Building $836,729
2023	$16,091.00 (+60.54%)	$1,346,968 (+61.94%) Land $411,058 Building $935,910	$1,346,968 (+61.94%) Land $411,058 Building $935,910
2022	$10,023.00	$831,784 Land $373,689 Building $458,095	$831,784 Land $373,689 Building $458,095

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

Flood

FEMA maps place 4569 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	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

The area around 4569 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.

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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