4575 Luke Ave, Destin, FL 32541 Property Records

Okaloosa County property record for 4575 Luke Ave, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	11 bd · 12 ba · 6,391 sqft · built 2022
Lot Size	0.344 acres (15,014 sqft)
Owner	Company Name on Record
Tax Bill	$38,339 (2025)
Deeds & Mortgages	Jul 2021 Construction Loan Sep 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-6146-7`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-6146-7`
Alternative APN	`00-2S-22-0580-0030-0010`

Interior

Bedrooms	11 Beds
Full Baths	12 Baths
Stories	3 Stories
Building Area	6,391 sqft Heated Area
Gross Area	7,950 sqft
1st Floor Area	1,568 sqft
Flooring	Concrete/Cement
Interior Walls	Custom/Decorative
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Exterior Material	Fiber Cement Siding
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	15,014 sqft (0.344 acres)
Lot Width	97 ft Width
Porch	Porch
Porch Area	24 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	4575 LUKE AVE
City	DESTIN
State	FL
Zip	32541-3612
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CRYSTAL BEACH LOT 1 & W 1/2 LOT 2 BLK 30 & ADJACENT ELY 22.5FT OF VACATED LUKE AVE ORD# 16-02-CN BK 3246 PG 280
Legal Range	22
Legal Township	02S
Legal Subdivision	CRYSTAL BEACH
Legal Block	30
Legal Lot Number	1
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 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	1305 LOCUST AVE SE, HUNTSVILLE, AL 35801-2002
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2021	Deed of Trust, Mortgage · Construction Mortgage FNBT BANK
Sep 22, 2022	Deed of Trust, Mortgage RENASANT BANK
Apr 22, 2021	Warranty Deed, Transfer PROVIDENT TITLE
Dec 18, 2020	Warranty Deed, Transfer PRATT AYCOCK TITLE LLC
Aug 8, 2018	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 22, 2021
Deed Sale	Apr 22, 2021
Prior Sale	Dec 18, 2020 · Amount on Record
Deed Document Number	3448792
Deed Book / Page	3541 / 2022
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4575 LUKE AVE, DESTIN, FL 32541-3612
Transaction Type	Mortgage
Record Updated	Feb 13, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1203 DALE DR SE, HUNTSVILLE, AL 35801-2031

Mortgage

Document Number	0035601382
Date	Jul 14, 2021
Book Page	3560/1382
Instrument	3471661

Lender

Name	FNBT BANK
Type	Bank
Address	FORT WALTON BEACH, FL 32549

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4575 LUKE AVE, DESTIN, FL 32541-3612
Transaction Type	Mortgage
Record Updated	Feb 13, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1305 LOCUST AVE SE, HUNTSVILLE, AL 35801-2002

Mortgage

Document Number	0036434620
Date	Sep 22, 2022
Book Page	3643/4620
Instrument	3580298

Lender

Name	RENASANT BANK
Type	Bank
Address	DESTIN, FL 32541

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Sep 20, 2027

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Apr 22, 2021
Property Address	4575 LUKE AVE, DESTIN, FL 32541-3612
Document Number	0035412022
Book / Page	3541 / 2022
Map Reference	MB 1 PG 17
Instrument Date	Apr 9, 2021
Instrument	3448792
Transaction Type	Transfer
Record Updated	Feb 13, 2024
Title Company	PROVIDENT TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1203 DALE DR SE, HUNTSVILLE, AL 35801-2031

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1203 DALE DR SE, HUNTSVILLE, AL 35801-2031

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Dec 18, 2020
Property Address	4575 LUKE AVE, DESTIN, FL 32541-3612
Document Number	0035130859
Book / Page	003513 / 000859
Instrument Date	Dec 17, 2020
Instrument	3416047
Transaction Type	Transfer
Record Updated	Jan 14, 2021
Title Company	PRATT AYCOCK TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$3,395.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1203 DALE DR SE HUNTSVILLE AL 358012031, HUNTSVILLE, AL 35801-2031

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OKALOOSA FL
Recording Date	Aug 8, 2018
Property Address	4575 LUKE AVE, DESTIN, FL 32541-3612
Document Number	0033623464
Book / Page	003362 / 003464
Instrument Date	Jul 23, 2018
Instrument	3225116
Transaction Type	Transfer
Record Updated	Aug 27, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$3,150.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1300 TRAVIS CIR S IRVING TX 750386243, IRVING, TX 75038-6243

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	$38,339.00 (+1.14%)	$3,237,137 (+2.02%) Land $906,055 Building $2,331,082	$3,237,137 (+2.02%) Land $906,055 Building $2,331,082
2023	$37,905.00 (+320.89%)	$3,173,022 (+324.55%) Land $822,116 Building $2,350,906	$3,173,022 (+324.55%) Land $822,116 Building $2,350,906
2022	$9,006.00	$747,378 Land $747,378	$747,378 Land $747,378

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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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