Okaloosa County property record for 4585 Luke Ave, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 7 bd · 5 ba · 2,992 sqft · built 1998 |
| Lot Size | 0.176 acres (7,699 sqft) |
| Owner | Company Name on File |
| Last Sale | $1,140,400 (Jan 2024) |
| Tax Bill | $14,470 (2025) |
| Deeds & Mortgages | Jan 2024 Second Mortgage Jan 2024 Sale + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-6149-1 |
| Primary APN | C56-000-589-6149-1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 7 Beds |
|---|---|
| Full Baths | 5 Baths |
| Stories | 3 Stories |
| Building Area | 2,992 sqft Heated Area |
| Gross Area | 3,544 sqft |
| 1st Floor Area | 2,134 sqft |
| Upper Floors Area | 858 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1998 |
|---|---|
| Exterior Material | Fiber Cement Siding |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 7,699 sqft (0.176 acres) |
| Lot Width | 50 ft Width |
| Porch | Open Porch |
| Porch Area | 328 sqft |
| Patio Area | 224 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 4585 LUKE AVE |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-3612 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CRYSTAL BEACH LOT 6 BLK 30 |
| Legal Range | 22 |
| Legal Township | 02S |
| Legal Subdivision | CRYSTAL BEACH |
| Legal Block | 30 |
| Legal Lot Number | 6 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 23308 |
4585 Luke Ave is owned by a company that bought it in January 2024.
Source: Okaloosa County records, as of December 8, 2025
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 1201 HAYS ST, TALLAHASSEE, FL 32301-2699 |
| Owner Type | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 3, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage CITIZENS NATIONAL BANK OF TEXAS |
| Jan 29, 2024 | Special Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Jul 15, 2022 | Correction Deed · Commercial Mortgage ANCHOR NATIONWIDE LOANS LLC |
| Feb 2, 2022 | Warranty Deed, Transfer SETCO SERVICES LLC |
| Mar 15, 2022 | Correction Deed SETCO SERVICES LLC |
| Jul 29, 2020 | Loan Modification, Mortgage TRUSTMARK NAT'L BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 29, 2024 · Amount on File |
| Deed Sale | Jan 29, 2024 · Amount on File |
| Prior Sale | Feb 2, 2022 · Amount on File |
| Deed Document Number | 3668090 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 4585 LUKE AVE, DESTIN, FL 32541-3612 |
| Transaction Type | Mortgage |
| Record Updated | Feb 26, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0003664660 |
|---|---|
| Date | Jan 3, 2024 |
| Instrument | 3664660 |
| Name | CITIZENS NATIONAL BANK OF TEXAS |
|---|---|
| Type | Bank |
| Address | WAXAHACHIE, TX 75168 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jan 29, 2024 |
| Property Address | 4585 LUKE AVE, DESTIN, FL 32541-3612 |
| Document Number | 0003668090 |
| Map Reference | MB 1 PG 17 |
| Instrument Date | Jan 24, 2024 |
| Instrument | 3668090 |
| Transaction Type | Transfer |
| Record Updated | Feb 26, 2024 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Tax | $7,982.80 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 655 IRWIN ST # 1034, 1034, SAN RAFAEL, CA 94901-4071 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jul 15, 2022 |
| Property Address | 4585 LUKE AVE, DESTIN, FL 32541-3612 |
| Document Number | 0036324043 |
| Book / Page | 3632 / 4043 |
| Map Reference | MB 1 PG 17 |
| Instrument Date | Jul 13, 2022 |
| Instrument | 3564598 |
| Record Updated | Feb 26, 2024 |
| Title Company | COASTLINE TITLE/PINELLAS LLC, COASTLINE TITLE OF PINELLAS |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|---|
| Address | 51 SANDY COVE WAY, SANTA ROSA BEACH, FL 32459-2641 |
| Name | Verified Name |
|---|---|
| Address | 251 LITTLE FALLS DR, WILMINGTON, DE 19808-1674 |
| Mail Care Of | CORPORATION SERVICE COMPANY |
| Document Number | 0036324045 |
|---|---|
| Date | Jul 15, 2022 |
| Instrument | 3632/4045 |
| Name | ANCHOR NATIONWIDE LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Jul 14, 2023 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Feb 2, 2022 |
| Property Address | 4585 LUKE AVE, DESTIN, FL 32541-3612 |
| Document Number | 0036022263 |
| Book / Page | 3602 / 2263 |
| Map Reference | MB 1 PG 17 |
| Instrument Date | Jan 28, 2022 |
| Instrument | 3524174 |
| Transaction Type | Transfer |
| Record Updated | Feb 26, 2024 |
| Title Company | SETCO SERVICES LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $10,675.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 51 SANDY COVE WAY, SANTA ROSA BEACH, FL 32459-2641 |
| Name | Verified Name |
|---|---|
| Address | 655 IRWIN ST # 1034, 1034, SAN RAFAEL, CA 94901-4071 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Mar 15, 2022 |
| Property Address | 4585 LUKE AVE, DESTIN, FL 32541-3612 |
| Document Number | 0036101606 |
| Book / Page | 3610 / 1606 |
| Map Reference | MB 1 PG 17 |
| Instrument Date | Jan 28, 2022 |
| Instrument | 3534510 |
| Record Updated | Feb 26, 2024 |
| Title Company | SETCO SERVICES LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|---|
| Address | 51 SANDY COVE WAY, SANTA ROSA BEACH, FL 32459-2641 |
| Name | Verified Name |
|---|---|
| Address | 655 IRWIN ST # 1034, 1034, SAN RAFAEL, CA 94901-4071 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 4585 LUKE AVE, DESTIN, FL 32541-3612 |
| Document Number | 0034852142 |
| Instrument Date | Jul 29, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 2, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 4585 LUKE AVE DESTIN FL 325413612, DESTIN, FL 32541-3612 |
| Document Number | 0034852142 |
|---|---|
| Date | Aug 20, 2020 |
| Book Page | 003485/002142 |
| Instrument | 3384022 |
| Name | TRUSTMARK NAT'L BK |
|---|---|
| Type | Bank |
| Address | SANTA ROSA BEACH, FL 32459 |
| Term | 60 Months |
|---|---|
| Due | Aug 19, 2025 |
The 2025 property tax bill for 4585 Luke Ave was $14,470.
Source: Okaloosa County assessment roll, as of July 1, 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 | $14,470.00 | $1,221,808 Land $453,027 Building $768,781 | $1,221,808 Land $453,027 Building $768,781 |
| 2023 | $14,281.00 (+37.85%) | $1,195,522 (+22.97%) Land $411,058 Building $784,464 | $1,195,522 (+22.97%) Land $411,058 Building $784,464 |
| 2022 | $10,360.00 | $972,235 Land $373,689 Building $598,546 | $972,235 Land $373,689 Building $598,546 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4585 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 4585 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 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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