Okaloosa County property record for 4583 Luke Ave, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 6 ba · 3,838 sqft · built 2002 |
| Lot Size | 0.354 acres (15,398 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $1,200,000 (Jul 2020) |
| Tax Bill | $16,609 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage Jul 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-6148-3 |
| Primary APN | C56-000-589-6148-3 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 6 Baths |
| Stories | 3 Stories |
| Building Area | 3,838 sqft Living Area |
| Gross Area | 6,310 sqft |
| 1st Floor Area | 2,078 sqft |
| Upper Floors Area | 1,540 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 15,398 sqft (0.354 acres) |
| Lot Width | 100 ft Width |
| Driveway | Driveway |
| Porch | Finished/Open Porch |
| Porch Area | 3,564 sqft |
| Patio Area | 156 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4583 LUKE AVE |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-3612 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CRYSTAL BEACH LOTS 4 & 5 BLK 30 |
| Legal Subdivision | CRYSTAL BEACH |
| Legal Block | 30 |
| Legal Lot Number | 40 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 23308 |
Source: Okaloosa County records, as of December 31, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 7004 WINDWARD AVE NE, TUSCALOOSA, AL 35406-1317 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 11, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA |
| Jul 8, 2020 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 8, 2020 · Amount on Record |
| Deed Sale | Jul 8, 2020 · Amount on Record |
| Prior Sale | Jun 20, 2014 · Amount on Record |
| Deed Document Number | 20203371737 |
| Deed Book / Page | 3474 / 1140 |
| Prior Transfer Date | Aug 15, 2016 |
| Prior Transfer Doc | 0032620452 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 4583 LUKE AVE, DESTIN, FL 32541-3612 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2024 |
| Name | Verified Name |
|---|---|
| Address | 7004 WINDWARD AVE NE, TUSCALOOSA, AL 35406-1317 |
| Document Number | 0035174000 |
|---|---|
| Date | Jan 11, 2021 |
| Book Page | 3517/4000 |
| Instrument | 3421157 |
| Name | MORGAN STANLEY PRIVATE BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45245 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | Oct 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.65% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Oct 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 2.5% |
| Max Rate At Change | 7.65% |
| Index | 1-Year LIBOR |
| Max Rate | 7.65% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jul 8, 2020 |
| Property Address | 4583 LUKE AVE, DESTIN, FL 32541-3612 |
| Document Number | 0034741140 |
| Book / Page | 003474 / 001140 |
| Instrument Date | Jul 7, 2020 |
| Instrument | 3371737 |
| Transaction Type | Transfer |
| Record Updated | Aug 26, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $8,400.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7004 WINDWARD AVE NE TUSCALOOSA AL 354061317, TUSCALOOSA, AL 35406-1317 |
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 | $16,609.00 (+10.04%) | $1,447,466 (+1.67%) Land $679,541 Building $767,925 | $1,447,466 (+1.67%) Land $679,541 Building $767,925 |
| 2023 | $15,094.00 (+10.94%) | $1,423,654 (+13.98%) Land $616,587 Building $807,067 | $1,423,654 (+13.98%) Land $616,587 Building $807,067 |
| 2022 | $13,605.00 | $1,249,075 Land $560,534 Building $688,541 | $1,249,075 Land $560,534 Building $688,541 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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 459 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| AT&T Fiber · Fixed Wireless | 5,000 / 5,000 |
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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