4431 Luke Ave

Destin, FL 32541

$1,699,000
Price
7
Beds
2,829 Sq. Ft.
$601 / Sq. Ft.
2,829
Sq. Ft.
$601
per Sq. Ft.
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Description

Welcome to an exceptional coastal retreat in the heart of Crystal Beach, where location, flexibility, and investment potential converge. Just two blocks from beach access and positioned on a desirable south-facing homesite, this impressive property offers sunshine-filled living and outstanding versatility. Spanning approximately 2,869 square feet, the residence includes a 4-bedroom, 3-bath main home complemented by a separate 3-bedroom, 3-bath guest house—ideal for hosting extended family, accommodating...Welcome to an exceptional coastal retreat in the heart of Crystal Beach, where location, flexibility, and investment potential converge. Just two blocks from beach access and positioned on a desirable south-facing homesite, this impressive property offers sunshine-filled living and outstanding versatility. Spanning approximately 2,869 square feet, the residence includes a 4-bedroom, 3-bath main home complemented by a separate 3-bedroom, 3-bath guest house—ideal for hosting extended family, accommodating guests, or maximizing rental flexibility. Thoughtfully designed for comfort and function, the layout supports both personal enjoyment and income-producing use. Outdoor living shines with an in-ground pool, elegant paver driveway, and a rare 1.5-lot homesite, a true standout in Crystal Beach. Offered fully furnished, this turn-key property allows for immediate enjoyment or seamless continuation of its current use. The home has been utilized as a short-term rental and has demonstrated strong historical rental performance, with seller-provided figures indicating approximately $90,000-$110,000 in annual gross rental income (buyer to independently verify). Additionally, vacant lots in Crystal Beach have recently been marketed at approximately $1,000,000, underscoring the value of this location. Whether you're seeking a coastal second home, a multi-generational beach retreat, or a property with income potential, this Crystal Beach opportunity delivers on lifestyle and location.
  1. Listed by Kendra R Sheikho • Brokerage DRE #2028447 • Coldwell Banker Realty
    P: (315)-405-6744 C: (315)-405-6744 kendra.sheikho@cbrealty.com
  2. Listed by Terry J Pilcher • Brokerage DRE #1021152 • Merrifield & Pilcher Realty
    P: (850)-865-2541 C: (850)-865-2541 pilcher2002@yahoo.com

Property Details for 4431 Luke Avenue

Zoning
City, Resid Single Family
Architectural Style
Florida Cottage
Subdivision Name
CRYSTAL BEACH
LISTING UPDATED: 01/29/2026 10:40 AM

Property Details for 4431 Luke Avenue

StatusActive
MLS #971822
Days on Market288
Taxes$9,614 / year
HOA Fees-
Condo/Co-op Fees-
Compass TypeSingle Family
MLS TypeResidential / Detached Single Family
Year Built1991
Lot Size0.32 AC / 13,939 SF
CountyOkaloosa County

Location

Listing Courtesy of Coldwell Banker Realty; Merrifield & Pilcher Realty
Add your commute

Building Information for 4431 Luke Avenue

Stories1Year Built1991Building Size-Lot Size0.32 AC / 13,939 SF

Payment Calculator

$9,082 per month

30 year fixed, 6.15% Interest

Principal and Interest

$8,281

Property Taxes

$801

HOA Dues

$0

The Payment Calculator is for illustrative purposes only.

Property Information for 4431 Luke Avenue

Summary
Location and General Information
  • Directions: from I-10, take Exit 56 for FL-85 South and continue for 15 miles. Turn left onto FL-20 East, then right onto the Mid-Bay Bridge (FL-293 South). After crossing, continue on Danny Wuerffel Way, then turn right onto US-98 West. After 1 mile, turn left onto Hutchinson Street, then right onto Luke Avenue. Your destination will be on the right.
  • MLS Area Minor: 1404 - Destin Beach East
  • MLS Area Major: 14 - Destin
  • Latitude: 30.386279
  • Longitude: -86.42832
  • Location Tax and Legal:Sub Area: 1404 - Destin Beach East
  • Location Tax and Legal:Elementary School: Destin
  • Location Tax and Legal:Middle School: Destin
  • Location Tax and Legal:High School: Fort Walton Beach
  • Location Tax and Legal:Legal Description: CRYSTAL BEACH S/D LOT 6 BLK 39 & W 1/2 OF SHIRAH ST E OF LOT
  • Project Facilities: Short Term Rental - Allowed
  • Garage 2: false
Taxes and HOA
  • Tax Legal Description: CRYSTAL BEACH S/D LOT 6 BLK 39 & W 1/2 OF SHIRAH ST E OF LOT
  • Parcel Number: 00-2S-22-0580-0039-0060
  • Association Fee: $0
  • Tax Annual Amount: $9,614
  • Listing Info Tax Legal:Last Taxes: $9,614
  • Listing Info Tax Legal:Last Tax Year: 2023.0
School Information
  • Elementary School: Destin
  • Middle Or Junior School: Destin
  • High School: Fort Walton Beach
Parking
  • Carport YN: No
  • General Property Info:Driveway Spaces: 6.0
Property
Lot Information
  • Building Area Source: County PA Records
  • Lot Size Dimensions: 164x80
  • Lot Size Acres: 0.32
  • Lot Size Area: 0.32
  • Lot Size Units: Acres
  • Property Condition: Construction Complete
  • Other Structures: Guest Quarters
  • Building Area Total: 2829.0
  • Lot Size Square Feet: 13939.2
  • General Property Info:SqFt Source: County PA Records
Property and Assessments
  • Tax Year: 2023.0
  • Floor Plans Count: 0.0
  • Property Type: Residential
  • Year Built: 1991.0
  • Property Sub Type: Detached Single Family
  • New Construction YN: No
  • General Property Info:Sub-Type: Detached Single Family
  • General Property Info:Design: Florida Cottage
  • Listing Info Tax Legal:Homestead: false
  • Construction Status: Construction Complete
  • Construction Siding: Siding Vinyl
  • Occupancy Status: Vacation Rental
Utilities
  • Sewer: Public Sewer
  • Utilities: Public Water, TV Cable
  • Utilities: Public Sewer, Public Water, TV Cable
  • Energy: AC - Central Elect, Ceiling Fans, Double Pane Windows
Interior and Exterior Features
Exterior Features
  • Construction Materials: Siding Vinyl
  • Stories: 1.0
  • Pool Features: Pool - In-Ground, Pool Type
  • General Property Info:Pool: Yes
  • General Property Info:Pool Type: Private
  • Exterior: Guest Quarters, Pool - In-Ground
Interior Features
  • Cooling: Ceiling Fans, Central Air
  • Flooring: Floor Hardwood, Floor Tile
  • Window Features: Window Treatment All, Double Pane Windows
  • Room Type: Master Bedroom, Living Room, Kitchen, Bedroom, Full Bathroom, Other, Owner's Closet
  • Rooms Total: 9.0
  • Bathrooms Total Integer: 6.0
  • Bathrooms Total Decimal: 6.0
  • Bathrooms Total Notational: 6.0
  • Cooling YN: Yes
  • Bedrooms Total: 7.0
  • Bathrooms Full: 6.0
  • Bathrooms Half: 0.0
  • Interior: Floor Hardwood, Floor Tile, Window Treatment All
  • Appliances: Dishwasher, Oven Self Cleaning, Refrigerator WIceMk, Smoke Detector, StoveOven Electric
Room Information
Room 1
  • Room Type: Master Bedroom
  • Room Level: First
  • Room Length: 20.0
  • Room Width: 14.0
  • Room Dimensions: 20 x 14
Room 2
  • Room Type: Living Room
  • Room Level: First
  • Room Length: 24.0
  • Room Width: 18.0
  • Room Dimensions: 24 x 18
Room 3
  • Room Type: Kitchen
  • Room Level: First
  • Room Length: 10.0
  • Room Width: 9.0
  • Room Dimensions: 10 x 9
Room 4
  • Room Type: Bedroom
  • Room Level: First
  • Room Length: 14.0
  • Room Width: 11.0
  • Room Dimensions: 14 x 11
Room 5
  • Room Type: Bedroom
  • Room Level: First
  • Room Length: 12.0
  • Room Width: 12.0
  • Room Dimensions: 12 x 12
Room 6
  • Room Type: Master Bedroom
  • Room Level: First
  • Room Length: 13.0
  • Room Width: 12.0
  • Room Dimensions: 13 x 12
Room 7
  • Room Type: Full Bathroom
  • Room Level: First
  • Room Length: 1.0
  • Room Dimensions: 1 x 1
Room 8
  • Room Type: Other
  • Room Level: First
  • Room Length: 1.0
  • Room Width: 1.0
  • Room Dimensions: 1 x 1
Room 9
  • Room Type: Owner's Closet
  • Room Level: First
  • Room Length: 1.0
  • Room Width: 1.0
  • Room Dimensions: 1 x 1
Rental
Rent Information
  • Listing Info Tax Legal:Is Subject Leased: false

Property History for 4431 Luke Avenue

DateEvent & SourcePriceAppreciation
Jan 29, 2026

Listed (Active)

ECAR #971822

$1,799,000—
Jan 8, 2026

Withdrawn

ECAR #971822

$1,699,000—
Oct 13, 2025

Listed (Active)

ECAR #971822

$1,799,000—
Sep 30, 2025

Expired

ECAR #971822

$1,699,000—
Mar 21, 2025

Listed (Active)

ECAR #971822

$1,799,000—
Jul 29, 2011

Sold (Public Record)

Public Record #313778206

$379,900

-3.1% / yr

Jul 29, 2011

Sold

ECAR #554404

$379,900—
Jul 12, 2011

Pending

ECAR #554404

—
Mar 18, 2011

Listed (Active)

ECAR #554404

$419,000—
Apr 7, 2008

Sold (Public Record)

Public Record #235937077

$421,000—
Apr 7, 2008

Sold

ECAR #455261

$421,000—
Mar 26, 2008

Pending

ECAR #455261

—
Feb 11, 2007

Expired

ECAR #416519

$680,000—
Feb 11, 2007

Listed (Active)

ECAR #455261

$679,000—
Jan 31, 2007

Listed (Active)

ECAR #416519

$980,000—
Jan 18, 2006

Expired

ECAR #404497

$980,000—
Sep 20, 2005

Listed (Active)

ECAR #404497

$980,000—
Apr 20, 1999

Sold

ECAR #123184

$201,000—
Mar 12, 1999

Pending

ECAR #123184

—
Sep 9, 1998

Listed (Active)

ECAR #123184

$209,900—
Aug 4, 1994

Sold

ECAR #50790

$181,000—
Jul 8, 1994

Pending

ECAR #50790

—
Jun 10, 1994

Listed (Active)

ECAR #50790

$189,000—
DateEvent & SourcePrice
01/29/2026

Listed (Active)

ECAR #971822

$1,799,000
01/08/2026

Withdrawn

ECAR #971822

$1,699,000
10/13/2025

Listed (Active)

ECAR #971822

$1,799,000
09/30/2025

Expired

ECAR #971822

$1,699,000
03/21/2025

Listed (Active)

ECAR #971822

$1,799,000
07/29/2011

Sold (Public Record)

Public Record #313778206

$379,900

-3.1% / yr

07/29/2011

Sold

ECAR #554404

$379,900
07/12/2011

Pending

ECAR #554404

—
03/18/2011

Listed (Active)

ECAR #554404

$419,000
04/07/2008

Sold (Public Record)

Public Record #235937077

$421,000
04/07/2008

Sold

ECAR #455261

$421,000
03/26/2008

Pending

ECAR #455261

—
02/11/2007

Expired

ECAR #416519

$680,000
02/11/2007

Listed (Active)

ECAR #455261

$679,000
01/31/2007

Listed (Active)

ECAR #416519

$980,000
01/18/2006

Expired

ECAR #404497

$980,000
09/20/2005

Listed (Active)

ECAR #404497

$980,000
04/20/1999

Sold

ECAR #123184

$201,000
03/12/1999

Pending

ECAR #123184

—
09/09/1998

Listed (Active)

ECAR #123184

$209,900
08/04/1994

Sold

ECAR #50790

$181,000
07/08/1994

Pending

ECAR #50790

—
06/10/1994

Listed (Active)

ECAR #50790

$189,000

For completeness, Compass often displays two records for one sale: the MLS record and the public record.

Public Records for 4431 Luke Avenue

Taxable ValueLand$588,936Additions$384,035Total$972,971
Tax Record2025$10,768 ($897 / month)
Home Facts
Beds7Total Finished SqFt2,829 SqFtAbove Grade Finished SqFt2,829 SqFtStories1Lot Size13,118 SqFtStyleSingle Family ResidenceYear Built1991CountyOKALOOSAAPN00-2S-22-0580-0039-0060

Schools near 4431 Luke Avenue

This home is within Okaloosa County School District.
Rating
School
Type
Grades
Distance
Destin Elementary School
Public - PK to 4
Destin Middle School
Public - 5 to 8
Fort Walton Beach High School
Public - 9 to 12
Destin High School
Charter - 9 to 12
Rating
School
Distance
Destin Elementary School
PublicPK to 4

Destin Middle School
Public5 to 8

Fort Walton Beach High School
Public9 to 12

Destin High School
Charter9 to 12

School ratings and boundaries are provided by GreatSchools.org and Pitney Bowes. This information should only be used as a reference. Proximity or boundaries shown here are not a guarantee of enrollment. Please reach out to schools directly to verify all information and enrollment eligibility.

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More information about 4431 Luke Avenue, Destin, FL 32541

4431 Luke Avenue is a single family home for sale in Destin, FL 32541. This property was listed for sale on March 21, 2025 by Coldwell Banker Realty, it's currently listed at $1,699,000. It has been on the market for a total of 288 days and was last sold on July 29, 2011. This listing's school district is Okaloosa County School District. Nearby schools include Destin Elementary School, Destin Middle School and Fort Walton Beach High School. 4431 Luke Avenue is a 7-bed, 6-bath, 2,829 sqft single family home built in 1991.

No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of descriptions or measurements (including square footage measurements and property condition), such should be independently verified, and Compass, Inc., its subsidiaries, affiliates and their agents and associated third parties expressly disclaims any liability in connection therewith. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions. Offers of compensation are subject to change at the discretion of the seller. No financial or legal advice provided. Equal Housing Opportunity.

Listing Courtesy of Coldwell Banker Realty; Merrifield & Pilcher Realty

The data relating to real estate for sale/lease on this web site come in part from a cooperative data exchange program of the Emerald Coast Association of REALTORS, Central Panhandle Association of REALTORS, Pensacola Association of REALTORS and Capital Area Technology & REALTOR Services. The properties displayed may not be all of the properties in the MLS's database, or all of the properties listed with Brokers participating in the cooperative data exchange program. Information deemed reliable but not guaranteed. Copyright© 2026 Emerald Coast Association of REALTORS, Central Panhandle Association of REALTORS, Pensacola Association of REALTORS and Capital Area Technology & REALTOR Services. All Rights Reserved.