1321 Suzanne Cir, Holt, FL 32564 Property Records

Okaloosa County property record for 1321 Suzanne Cir, Holt, FL 32564

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,126 sqft · built 2003
Lot Size	4.84 acres (210,830 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,033 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Apr 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-597-4479-7`

Property Details

APN / Parcel Number

Primary APN	`C56-000-597-4479-7`
Alternative APN	`31-3N-24-0000-0002-0260`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,126 sqft Heated Area
Gross Area	3,029 sqft
1st Floor Area	2,126 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	210,830 sqft (4.84 acres)
Garage Type	Finished
Garage Area	529 sqft
Porch	Open Porch
Porch Area	374 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1321 SUZANNE CIR
City	HOLT
State	FL
Zip	32564-9459
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT A-28 CRYSTAL LAKE RANCHETTES AS OR
Legal Range	24
Legal Township	03N
Legal Section	31
Legal Subdivision	CRYSTAL LAKE RANCHETTES A-28
Legal Tract	A-28
Jurisdiction	OKALOOSA FL
Township / Civil Division	BAKER
Census Block Group	2
Census Block	2057
Census Tract	20101

Owner

1321 Suzanne Cir is owned and occupied by two individuals who acquired it in April 2025.

Source: Okaloosa County records, as of December 8, 2025

Owner of Record	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	1321 SUZANNE CIR, HOLT, FL 32564-9459
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2022	Deed of Trust, Mortgage · VA Mortgage PLANET HOME LENDING LLC
Apr 17, 2019	Deed of Trust, Mortgage · VA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Jun 20, 2020	Deed of Trust, Mortgage · VA Mortgage LOW VA RATES LLC

Assessor's Deed Record

Deed Names	3 Names on Deed
Prior Sale	Oct 10, 2002 · Amount on File
Last Transfer Date	Apr 24, 2025
Transfer Doc	0003749970
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	1321 SUZANNE CIR, HOLT, FL 32564-9459
Transaction Type	Mortgage
Record Updated	Feb 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1321 SUZANNE CIR, HOLT, FL 32564-9459

Mortgage

Document Number	0036403073
Date	Aug 31, 2022
Book Page	3640/3073
Instrument	3575509

Lender

Name	PLANET HOME LENDING LLC
Type	Mortgage Company
Address	MERIDEN, CT 06450

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	1321 SUZANNE CIR, HOLT, FL 32564-9459
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0033934607
Date	Apr 17, 2019
Book Page	3393/4607
Instrument	3271663

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	315 Months
Due	Jul 1, 2045

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	1321 SUZANNE CIR, HOLT, FL 32564-9459
Document Number	0034723643
Instrument Date	Jun 20, 2020
Transaction Type	Mortgage
Record Updated	Aug 13, 2020
Title Company	WORLDWIDE RECORDING INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1321 SUZANNE CIR HOLT FL 325649459, HOLT, FL 32564-9459

Mortgage

Document Number	0034723643
Date	Jul 1, 2020
Book Page	003472/003643
Instrument	3370011

Lender

Name	LOW VA RATES LLC
Address	LINDON, UT 84042

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 30, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1321 Suzanne Cir was $1,033 with exemptions applied.

Source: Okaloosa County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Okaloosa County
Unified School District	Okaloosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,033.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed	$162,068	$277,763 Land $30,839 Building $246,924
2023	$1,193.00 (+2.93%) Homeowner's exemption	$152,913 (+3%)	$263,099 (+8.53%) Land $26,201 Building $236,898
2022	$1,159.00 Homeowner's exemption	$148,459	$242,415 Land $24,487 Building $217,928

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

Flood

FEMA maps place 1321 Suzanne Cir in Zone X, an area of minimal flood risk.

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 10 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	10 in force

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

Wildfire risk around 1321 Suzanne Cir is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 57% of the US · lower than 71% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	HOLT WATER WORKS, INC. serves 2,582 people · EPA ID FL1460352
Water Source	Groundwater
Last State Inspection	Jul 2023
Lead	4 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	3 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 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T Fixed Wireless	25 / 3

May also be available: CenturyLink, T-Mobile.

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