4056 Cooper Ln, Holt, FL 32564 Property Records

Okaloosa County property record for 4056 Cooper Ln, Holt, FL 32564

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,310 sqft · built 2002
Lot Size	3.59 acres (156,380 sqft)
Owner	2 Individual Names on File
Last Sale	$575,000 (Sep 2021)
Tax Bill	$4,588 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Sep 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-591-8952-2`

Property Details

APN / Parcel Number

Primary APN	`C56-000-591-8952-2`
Alternative APNs	`04-2N-25-0000-0037-004C` `25N20400000037004C`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,310 sqft Living Area
Gross Area	5,977 sqft
1st Floor Area	3,310 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Wood
Lot Area	156,380 sqft (3.59 acres)
Garage Type	Attached
Garage Area	1,500 sqft
Porch	Florida Room
Porch Area	687 sqft
Patio Area	408 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4056 COOPER LN
City	HOLT
State	FL
Zip	32564-9304
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM NW COR S 5 DEG W 1371.38 FT TO POB E 508.35 FT S 5 DEG W 304.55 FT W 508.35 FT N 5 DEG E 304.55 FT TO POB
Legal Range	25W
Legal Township	02N
Legal Section	04
Legal Block	37
Legal Lot Number	4C
Jurisdiction	OKALOOSA FL
Township / Civil Division	BAKER
Census Block Group	1
Census Block	1032
Census Tract	20101

Owner

Source: Okaloosa County records, as of August 27, 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	4056 COOPER LN, HOLT, FL 32564-9304
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 3, 2024	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Sep 2, 2021	Warranty Deed, Transfer · Conventional Mortgage UNIVERSITY LENDING GROUP LLC
Jun 25, 2021	Warranty Deed, Transfer MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC
Jul 30, 2020	Warranty Deed, Transfer · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 2, 2021 · Amount on File
Deed Sale	Sep 2, 2021 · Amount on File
Prior Sale	Jun 25, 2021 · Amount on File
Deed Document Number	20213485535
Deed Book / Page	3571 / 1308
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4056 COOPER LN, HOLT, FL 32564-9304
Transaction Type	Mortgage
Record Updated	Jan 25, 2024
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4056 COOPER LN, HOLT, FL 32564-9304

Mortgage

Document Number	0003664445
Date	Jan 3, 2024
Instrument	3664445

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jan 5, 2044

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Sep 2, 2021
Property Address	4056 COOPER LN, HOLT, FL 32564-9304
Document Number	0035711308
Book / Page	3571 / 1308
Instrument Date	Aug 26, 2021
Instrument	3485535
Transaction Type	Transfer
Record Updated	Sep 24, 2021
Title Company	EMERALD COAST TITLE SERVICES INC, EMERALD COAST TITLE SVCS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,025.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4056 COOPER LN, 4056, HOLT, FL 32564-9304

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	811 COLDWATER CREEK CIR, NICEVILLE, FL 32578-1653

Mortgage

Document Number	35711310
Date	Sep 2, 2021
Instrument	3571/1310

Lender

Name	UNIVERSITY LENDING GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jun 25, 2021
Property Address	4056 COOPER LN, HOLT, FL 32564-9304
Document Number	0035554935
Book / Page	3555 / 4935
Instrument Date	Jun 24, 2021
Instrument	3466591
Transaction Type	Transfer
Record Updated	Jul 12, 2021
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC

Transaction

Amount	Amount on Record
Tax	$3,500.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2746 SANTA ROSA DR, 2746, LILLIAN, AL 36549-5220

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4056 COOPER LN, HOLT, FL 32564-9304

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jul 30, 2020
Property Address	4056 COOPER LN, HOLT, FL 32564-9304
Document Number	0034792113
Book / Page	003479 / 002113
Instrument Date	Jul 28, 2020
Instrument	3377682
Transaction Type	Transfer
Record Updated	Sep 1, 2020
Title Company	MOULTON LAND TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,954.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4056 COOPER LN HOLT FL 325649304, HOLT, FL 32564-9304

Mortgage

Document Number	34792114
Date	Jul 30, 2020
Book Page	003479/002114
Instrument	3377683

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 29, 2050

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of December 31, 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	$4,588.00 (+5.28%) Homeowner's exemption	$510,424 (+5.99%)	$593,960 (+4.74%) Land $36,599 Building $557,361
2023	$4,358.00 (+2.18%) Homeowner's exemption	$481,591 (+3%)	$567,069 (+8.06%) Land $31,095 Building $535,974
2022	$4,265.00 Homeowner's exemption	$467,564	$524,792 Land $29,060 Building $495,732

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 File median of 10 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	1 (1998)
Most Recent Claim	Sep 1998 · Hurricane Georges

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	Moderate above 54% of the US · lower than 74% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fixed Wireless in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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