4138 Wilkerson Bluff Rd, Holt, FL 32564 Property Records

Okaloosa County property record for 4138 Wilkerson Bluff Rd, Holt, FL 32564

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,055 sqft · built 1998
Lot Size	3.45 acres (150,282 sqft)
Owner	2 Individual Names on File
Last Sale	$259,000 (Jul 2019)
Tax Bill	$2,197 (2025)
Deeds & Mortgages	Jul 2019 Sale & Mortgage Jan 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-592-9526-1`

Property Details

APN / Parcel Number

Primary APN	`C56-000-592-9526-1`
Alternative APNs	`07-2N-24-0000-0001-0030` `24N207000000010030`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,055 sqft Living Area
Gross Area	2,389 sqft
1st Floor Area	2,055 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	150,282 sqft (3.45 acres)
Porch	Florida Room
Porch Area	70 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4138 WILKERSON BLUFF RD
City	HOLT
State	FL
Zip	32564-9634
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG 660 FT S & 33 FT E OF NW COR SEC S660 FT E533.4 FT N158.89 FT NWLY ALG CO RD TO BEG 1005-449 LESS E 208.75 FT SOLD
Legal Range	24W
Legal Township	02N
Legal Section	07
Legal Block	1
Legal Lot Number	30
Jurisdiction	OKALOOSA FL
Township / Civil Division	BAKER
Census Block Group	1
Census Block	1069
Census Tract	20101

Owner

4138 Wilkerson Bluff Rd is owned and occupied by two individuals who bought it in July 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	4138 WILKERSON BLUFF RD, HOLT, FL 32564-9634
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
Jul 1, 2019	Warranty Deed, Transfer · VA Mortgage INTERLINC MORTGAGE SERVICES LLC
Jan 24, 2017	Warranty Deed, Transfer · Conventional Mortgage WR STARKEY MORTGAGE LLP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2019 · Amount on File
Deed Sale	Jul 1, 2019 · Amount on File
Prior Sale	Jan 24, 2017 · Amount on File
Deed Document Number	20193288253
Deed Book / Page	3406 / 3856
Record Updated	Oct 29, 2026

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jul 1, 2019
Property Address	4138 WILKERSON BLUFF RD, HOLT, FL 32564-9634
Document Number	0034063856
Book / Page	3406 / 3856
Map Reference	MB 2218 PG 675
Instrument Date	Jun 21, 2019
Instrument	3288253
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,813.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15 WINDSOR LN NE, 15, FORT WALTON BEACH, FL 32547-1772

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5417 JOSH DR, CRESTVIEW, FL 32536-2209

Mortgage

Document Number	0034063858
Date	Jul 1, 2019
Instrument	3406-3858

Lender

Name	INTERLINC MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2049

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jan 24, 2017
Property Address	4138 WILKERSON BLUFF RD, HOLT, FL 32564-9634
Document Number	0032843904
Book / Page	3284 / 3904
Map Reference	MB2218 PG675
Instrument Date	Jan 20, 2017
Instrument	3113923
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	THE MAIN STREET LAND TITLE C

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4138 WILKERSON BLUFF RD, 4138, HOLT, FL 32564-9634

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	336 SPRING SNOW DR, LOVELAND, CO 80538-2775

Mortgage

Document Number	0003113924
Date	Jan 24, 2017
Instrument	3113924

Lender

Name	WR STARKEY MORTGAGE LLP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 4138 Wilkerson Bluff Rd was $2,197.

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	$2,197.00	$223,070 Land $28,295 Building $194,775	$223,070 Land $28,295 Building $194,775
2023	$2,343.00 (+5.4%)	$240,029 (+4.15%) Land $24,039 Building $215,990	$240,029 (+4.15%) Land $24,039 Building $215,990
2022	$2,223.00	$230,459 Land $22,467 Building $207,992	$230,459 Land $22,467 Building $207,992

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

Flood

FEMA maps place 4138 Wilkerson Bluff Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1998.

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

Wildfire risk around 4138 Wilkerson Bluff Rd is moderate, ranking above 64% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 64% of the US · lower than 60% 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 22 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
CenturyLink DSL	10 / 1

Cell Coverage

5G (outdoors only) and 4G LTE

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