4294 Nap Knob, Holt, FL 32564 Property Records

Okaloosa County property record for 4294 Nap Knob, Holt, FL 32564

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 2,310 sqft · built 2006
Lot Size	1.76 acres (76,666 sqft)
Owner	2 Individual Names on Record
Last Sale	$290,000 (Apr 2026)
Tax Bill	$75 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage May 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-963-7026-7`

Property Details

APN / Parcel Number

Primary APN	`C56-000-963-7026-7`
Alternative APNs	`07-2N-24-0000-0001-031A` `24N20700000001031A`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,310 sqft Living Area
Gross Area	2,814 sqft
1st Floor Area	2,310 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	76,666 sqft (1.76 acres)
Porch	Screened/Unfinished Porch
Porch Area	336 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4294 NAP KNOB
City	HOLT
State	FL
Zip	32564-9548
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	W 232 FT OF: COM NW COR E 1132 FT S 330 FT TO POB E 566 FT S 330 FT W 566 FT N 330 FT TO POB
Legal Range	24W
Legal Township	02N
Legal Section	07
Legal Block	1
Legal Lot Number	31A
Jurisdiction	OKALOOSA FL
Township / Civil Division	BAKER
Census Block Group	1
Census Block	1064
Census Tract	20101

Owner

Source: Okaloosa County records, as of April 13, 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 Record
Mailing Address	4960 US 90, PACE, FL 32571
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2026	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CTR
May 10, 2021	Warranty Deed, Transfer · VA Mortgage NAVY FCU
Jan 24, 2017	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2026 · Amount on Record
Deed Sale	Apr 1, 2026 · Amount on Record
Prior Sale	May 10, 2021 · Amount on Record
Deed Document Number	20263808019
Prior Transfer Date	Dec 5, 2024
Prior Transfer Doc	0003726617
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Apr 1, 2026
Property Address	4294 NAP KNOB, HOLT, FL 32564-9548
Document Number	0003808019
Instrument Date	Mar 30, 2026
Instrument	20263808019
Transaction Type	Transfer
Record Updated	Apr 14, 2026
Title Company	EMERALD COAST TITLE SERVICES INC, EMERALD COAST TITLE SERVICES

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$205,030.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003808020,
Date	Apr 1, 2026
Instrument	20263808020

Lender

Name	MORTGAGE RESEARCH CTR

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.01%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	May 10, 2021
Property Address	4294 NAP KNOB, HOLT, FL 32564-9548
Document Number	0035451543
Book / Page	3545 / 1543
Instrument Date	May 6, 2021
Instrument	3453543
Transaction Type	Transfer
Record Updated	Jun 14, 2021
Title Company	CITIZENS TITLE COMPANY, CITIZENS TITLE GROUP INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,166.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	211 THOMAS CT NW, 211, FT WALTON BCH, FL 32548-4131

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4294 NAP KNOB, HOLT, FL 32564-9548

Mortgage

Document Number	35451545
Date	May 10, 2021
Instrument	3545/1545

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2036

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jan 24, 2017
Property Address	4294 NAP KNOB, HOLT, FL 32564-9548
Document Number	0032844020
Book / Page	3284 / 4020
Instrument Date	Jan 17, 2017
Instrument	3113968
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	THE MAIN STREET LAND TITLE C

Transaction

Amount	Amount Recorded
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	3107 E CHESTNUT AVE, 3107, CRESTVIEW, FL 32539-7388

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4294 NAP KNOB, HOLT, FL 32564-9548

Mortgage

Document Number	0003113971
Date	Jan 24, 2017
Instrument	3113971

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

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

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	$75.00 (+15.38%)	$144,665 (+12.41%)	$188,817 (+46.72%) Land $17,126 Building $171,691
2023	$65.00 (-94.25%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$128,693 (+17.1%) Land $14,550 Building $114,143	$128,693 (+17.1%) Land $14,550 Building $114,143
2022	$1,131.00	$109,897 Land $13,598 Building $96,299	$109,897 Land $13,598 Building $96,299

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 Record 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 62% of the US · lower than 63% 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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