Okaloosa County property record for 4226 Cooper Ln, Holt, FL 32564
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,870 sqft · built 1978 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | Individual Name on File |
| Last Sale | $94,500 (May 2017) |
| Tax Bill | $958 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit May 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-593-1050-8 |
| Primary APN | C56-000-593-1050-8 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,870 sqft Living Area |
| Gross Area | 3,094 sqft |
| 1st Floor Area | 1,870 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 87,120 sqft (2 acres) |
| Lot Width | 210 ft Width |
| Garage Type | Carport |
| Garage Area | 772 sqft |
| Carport | Carport |
| Carport Area | 772 sqft |
| Porch | Florida Room |
| Porch Area | 340 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 4226 COOPER LN |
|---|---|
| City | HOLT |
| State | FL |
| Zip | 32564-9475 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BEG 175 FT W OF NE COR SEC W210 FT S420 FT E210 FT N420 FT TO POB AS OR 1009-246 & 1380-1033 |
| Legal Range | 25W |
| Legal Township | 02N |
| Legal Section | 08 |
| Legal Block | 3 |
| Legal Lot Number | 20 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | BAKER |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 20101 |
4226 Cooper Ln is owned and occupied by an individual who bought it in May 2017.
Source: Okaloosa County records, as of May 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4226 COOPER LN, HOLT, FL 32564-9475 |
| 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.
| Date | Document |
|---|---|
| Dec 1, 2025 | Deed of Trust, Mortgage · Line of Credit FREEDOM MORTGAGE CORP |
| May 10, 2017 | Warranty Deed, Transfer · FHA Mortgage WATERSTONE MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 10, 2017 · Amount on File |
| Deed Sale | May 10, 2017 · Amount on File |
| Prior Sale | Dec 8, 2005 · Amount on File |
| Deed Document Number | 20173134109 |
| Deed Book / Page | 3298 / 4802 |
| Prior Transfer Date | Jan 3, 2001 |
| Prior Transfer Doc | 0001813371 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 4226 COOPER LN, HOLT, FL 32564-9475 |
| Transaction Type | Mortgage |
| Record Updated | Dec 24, 2025 |
| Name | Verified Name |
|---|---|
| Address | 4226 COOPER LN, HOLT, FL 32564-9475 |
| Document Number | 0003786401 |
|---|---|
| Date | Dec 1, 2025 |
| Instrument | 3786401 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Dec 15, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | May 10, 2017 |
| Property Address | 4226 COOPER LN, HOLT, FL 32564-9475 |
| Document Number | 0032984802 |
| Book / Page | 3298 / 4802 |
| Instrument Date | May 5, 2017 |
| Instrument | 3134109 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2022 |
| Title Company | MOULTON LAND TITLE INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3280 POINTE PKWY STE 1000, 3280, NORCROSS, GA 30092-3338 |
| Name | Verified Name |
|---|---|
| Address | 4226 COOPER LN, HOLT, FL 32564-9475 |
| Document Number | 0003134110 |
|---|---|
| Date | May 10, 2017 |
| Instrument | 3134110 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2047 |
The 2025 property tax bill for 4226 Cooper Ln was $958 with a homeowner's exemption.
Source: Okaloosa County assessment roll, as of December 31, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Unified School District | Okaloosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $958.00 Homeowner's exemption | $128,987 | $192,335 Land $22,846 Building $169,489 |
| 2023 | $892.00 (+3.24%) Homeowner's exemption | $121,701 (+3%) | $182,041 (+8.32%) Land $19,410 Building $162,631 |
| 2022 | $864.00 Homeowner's exemption | $118,156 | $168,061 Land $18,140 Building $149,921 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4226 Cooper Ln 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 risk around 4226 Cooper Ln is moderate, ranking above 59% 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 59% of the US · lower than 67% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 17 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable · Fixed Wireless | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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