4320 Cooper Ln, Holt, FL 32564 Property Records

Okaloosa County property record for 4320 Cooper Ln, Holt, FL 32564

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,296 sqft · built 1965
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on Record
Tax Bill	$606 (2025)
Deeds & Mortgages	Aug 2020 Reverse Mortgage Jul 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-593-1068-0`

Property Details

APN / Parcel Number

Primary APN	`C56-000-593-1068-0`
Alternative APNs	`08-2N-25-0000-0008-0000` `25N208000000080000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,296 sqft Living Area
Gross Area	2,136 sqft
1st Floor Area	1,296 sqft
Flooring	Carpet
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	87,120 sqft (2 acres)
Lot Width	210 ft Width
Garage Type	Attached
Garage Area	450 sqft
Porch	Open/Unfinished Porch
Porch Area	390 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4320 COOPER LN
City	HOLT
State	FL
Zip	32564-9302
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM NE COR OF NW1/4 THC W 210 FT S 420 FT E 210 FT N 420 FT TO POB 2 ACRES 1111-1122
Legal Range	25W
Legal Township	02N
Legal Section	08
Legal Block	8
Jurisdiction	OKALOOSA FL
Township / Civil Division	BAKER
Census Block Group	1
Census Block	1032
Census Tract	20101

Owner

Source: Okaloosa County records, as of October 19, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4320 COOPER LN, HOLT, FL 32564-9302
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Person

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2020	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
Jul 27, 2020	Deed of Trust, Mortgage · FHA Mortgage FEDERAL HSNG COMMISSIONER
Jan 30, 2018	Deed of Trust, Mortgage · FHA Mortgage AMERICAN ADVISORS
Jan 30, 2018	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Feb 2, 2009
Transfer Doc	0028741263
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4320 COOPER LN, HOLT, FL 32564-9302
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4320 COOPER LN, HOLT, FL 32564-9302

Mortgage

Document Number	0034834156
Date	Aug 14, 2020
Book Page	3483/4156
Instrument	3382334

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	ORANGE, CA 92868

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	869 Months
Due	Jan 2, 2093

Interest

Rate Type	Adjustable Rate
Rate	2.84%
Type Change Date	Aug 1, 2021
Change Frequency	Annually
Index	1-Year LIBOR

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4320 COOPER LN, HOLT, FL 32564-9302
Document Number	0034834172
Instrument Date	Jul 27, 2020
Transaction Type	Mortgage
Record Updated	Sep 9, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4320 COOPER LN HOLT FL 325649302, HOLT, FL 32564-9302

Mortgage

Document Number	0034834172
Date	Aug 14, 2020
Book Page	003483/004172
Instrument	3382335

Lender

Name	FEDERAL HSNG COMMISSIONER
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	876 Months
Due	Aug 13, 2093

Interest

Rate Type	Adjustable Rate
Rate	2.84%

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4320 COOPER LN, HOLT, FL 32564-9302
Document Number	0033363927
Instrument Date	Jan 30, 2018
Transaction Type	Mortgage
Record Updated	Feb 21, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4320 COOPER LN HOLT FL 325649302, HOLT, FL 32564-9302

Mortgage

Document Number	0033363927
Date	Feb 8, 2018
Book Page	003336/003927
Instrument	3187652

Lender

Name	AMERICAN ADVISORS
Address	ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	900 Months
Due	Feb 7, 2093

Interest

Rate Type	Adjustable Rate
Rate	5%

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4320 COOPER LN, HOLT, FL 32564-9302
Document Number	0033363941
Instrument Date	Jan 30, 2018
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	4320 COOPER LN HOLT FL 325649302, HOLT, FL 32564-9302

Mortgage

Document Number	0033363941
Date	Feb 8, 2018
Book Page	003336/003941
Instrument	3187653

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	900 Months
Due	Feb 7, 2093

Interest

Rate Type	Adjustable Rate
Rate	5%

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	$606.00 (+8.8%) Homeowner's exemption	$92,063 (+5.99%)	$139,071 (+6.79%) Land $30,584 Building $108,487
2023	$557.00 (+4.11%) Homeowner's exemption	$86,862 (+3%)	$130,231 (+8.05%) Land $25,984 Building $104,247
2022	$535.00 Homeowner's exemption	$84,332	$120,524 Land $24,284 Building $96,240

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 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 60% of the US · lower than 66% 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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