4270 Cooper Ln, Holt, FL 32564 Property Records

Okaloosa County property record for 4270 Cooper Ln, Holt, FL 32564

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,777 sqft · built 2006
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$225,000 (Jan 2024)
Tax Bill	$1,928 (2025)
Deeds & Mortgages	Jul 2026 Sale May 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-599-0003-5`

Property Details

APN / Parcel Number

Primary APN	`C56-000-599-0003-5`
Alternative APNs	`08-2N-25-0000-0001-002A` `25N20800000001002A`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,777 sqft Living Area
Gross Area	2,392 sqft
1st Floor Area	1,777 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	43,560 sqft (1 acres)
Lot Dimensions	280 ft deep x 160 ft wide
Garage Type	Attached
Garage Area	460 sqft
Porch	Finished/Open Porch
Porch Area	55 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4270 COOPER LN
City	HOLT
State	FL
Zip	32564-9475
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM NW COR OF NE1/4 OF NE1/4 W 46 FT TO POB W 160 FT S 280 FT E 158.56 FT N 280 FT TO POB
Legal Range	25W
Legal Township	02N
Legal Section	08
Legal Block	1
Legal Lot Number	2A
Jurisdiction	OKALOOSA FL
Township / Civil Division	BAKER
Census Block Group	1
Census Block	1032
Census Tract	20101

Owner

4270 Cooper Ln is owned and occupied by two individuals who bought it in January 2024.

Source: Okaloosa County records, as of July 24, 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	4270 COOPER LN, HOLT, FL 32564-9475
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
May 4, 2022	Deed of Trust, Mortgage · USDA Mortgage USDA
Dec 2, 2025	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Jan 17, 2024	Warranty Deed, Transfer · FHA Mortgage HFG HOLDINGS INC
Feb 1, 2019	Loan Modification, Mortgage · Conventional Mortgage JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 17, 2024 · Amount on File
Deed Sale	Jan 17, 2024 · Amount on File
Prior Sale	Jul 6, 2012 · Amount on File
Deed Document Number	20243666509
Prior Transfer Date	Jan 20, 2006
Prior Transfer Doc	0026820572
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jul 7, 2026
Property Address	4270 COOPER LN, HOLT, FL 32564-9475
Document Number	0003826297
Instrument Date	Jul 3, 2026
Instrument	20263826297
Transaction Type	Transfer
Record Updated	Jul 24, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4270 COOPER LN, HOLT, FL 32564-9475

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4270 COOPER LN, HOLT, FL 32564-9475
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4270 COOPER LN, HOLT, FL 32564-9475

Mortgage

Document Number	0036194567
Date	May 4, 2022
Book Page	3619/4567
Instrument	3547342

Lender

Name	USDA
Type	Government Agency
Address	SAINT LOUIS, MO 63120

Agreement

Type	USDA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2052

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OKALOOSA FL
Recording Date	Dec 2, 2025
Property Address	4270 COOPER LN, HOLT, FL 32564-9475
Document Number	0003786769
Map Reference	MB 2615 PG 2545
Instrument Date	Nov 26, 2025
Instrument	3786769
Transaction Type	Transfer
Record Updated	Dec 24, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4270 COOPER LN, HOLT, FL 32564-9475

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jan 17, 2024
Property Address	4270 COOPER LN, HOLT, FL 32564-9475
Document Number	0003666509
Map Reference	MB 2615 PG 2545
Instrument Date	Jan 17, 2024
Instrument	3666509
Transaction Type	Transfer
Record Updated	Feb 15, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,575.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1930 HIDDEN SPRINGS DR, BAKER, FL 32531-9371

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4270 COOPER LN, HOLT, FL 32564-9475

Mortgage

Document Number	0003666510
Date	Jan 17, 2024
Instrument	3666510

Lender

Name	HFG HOLDINGS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2054

February 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OKALOOSA FL
Property Address	4270 COOPER LN, HOLT, FL 32564-9475
Document Number	0033861676
Instrument Date	Feb 1, 2019
Transaction Type	Mortgage
Record Updated	Mar 13, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4270 COOPER LN HOLT FL 325649475, HOLT, FL 32564-9475

Mortgage

Document Number	0033861676
Date	Feb 25, 2019
Book Page	003386/001676
Instrument	3260702

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43219-6009

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 24, 2049

Interest

Rate	4.12%

Tax Assessment & Valuation

The 2025 property tax bill for 4270 Cooper Ln was $1,928.

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	$1,928.00	$230,902 Land $19,115 Building $211,787	$230,902 Land $19,115 Building $211,787
2023	$2,047.00 (+7.79%)	$219,787 (+8.59%) Land $16,240 Building $203,547	$219,787 (+8.59%) Land $16,240 Building $203,547
2022	$1,899.00	$202,409 Land $15,178 Building $187,231	$202,409 Land $15,178 Building $187,231

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

Flood

FEMA maps place 4270 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

Wildfire risk around 4270 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.

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

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Mediacom Xtream Fixed Wireless · Cable in parts of the area	100 / 20

May also be available: AT&T.

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