4474 Cooper Ln, Holt, FL 32564 Property Records

Okaloosa County property record for 4474 Cooper Ln, Holt, FL 32564

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,225 sqft · built 1981
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,881 (2025)
Deeds & Mortgages	Jul 2023 Mortgage May 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-592-7591-7`

Property Details

APN / Parcel Number

Primary APN	`C56-000-592-7591-7`
Alternative APN	`06-2N-25-0000-0010-003A`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,225 sqft Heated Area
Gross Area	1,405 sqft
1st Floor Area	1,225 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1981
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	43,560 sqft (1 acres)
Lot Width	100 ft Width
Porch	Open Porch
Porch Area	28 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	4474 COOPER LN
City	HOLT
State	FL
Zip	32564-9456
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG 1370 FT N & 9.2 FT W OF SE COR SEC W410.8 FT N100 FT E410.8 FT S100 FT TO BEG 1082-764
Legal Range	25
Legal Township	02N
Legal Section	06
Jurisdiction	OKALOOSA FL
Township / Civil Division	BAKER
Census Block Group	1
Census Block	1032
Census Tract	20101

Owner

4474 Cooper Ln is owned and occupied by two individuals who acquired it in September 2003.

Source: Okaloosa County records, as of December 8, 2025

Owner of Record	2 Individual Names on File
Mailing Address	4474 COOPER LN, HOLT, FL 32564-9456
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 11, 2023	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
May 5, 2022	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Jan 20, 2017	Loan Modification, Mortgage · FHA Mortgage US BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 9, 2003
Deed Sale	Sep 9, 2003
Deed Document Number	2053402
Record Updated	Jun 8, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4474 COOPER LN, HOLT, FL 32564-9456
Transaction Type	Mortgage
Record Updated	Jul 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4474 COOPER LN, HOLT, FL 32564-9456

Mortgage

Document Number	0036824943
Date	Jul 11, 2023
Book Page	3682/4943
Instrument	3634577

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	479 Months
Due	Jun 1, 2063

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4474 COOPER LN, HOLT, FL 32564-9456
Transaction Type	Mortgage
Record Updated	May 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4474 COOPER LN, HOLT, FL 32564-9456

Mortgage

Document Number	0036201256
Date	May 5, 2022
Book Page	3620/1256
Instrument	3547765

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	292 Months
Due	Sep 1, 2046

January 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OKALOOSA FL
Property Address	4474 COOPER LN, HOLT, FL 32564-9456
Document Number	0032930190
Book / Page	003293 / 000190
Instrument Date	Jan 20, 2017
Transaction Type	Mortgage
Record Updated	May 2, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4474 COOPER LN HOLT FL 325649456, HOLT, FL 32564-9456

Mortgage

Document Number	0032930190
Date	Mar 29, 2017
Book Page	003293/000190
Instrument	3125737

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 28, 2047

Interest

Rate Type	Fixed Rate
Rate	3.87%

Tax Assessment & Valuation

The 2025 property tax bill for 4474 Cooper Ln was $4,881.

Source: Okaloosa County assessment roll, as of July 1, 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	$4,881.00	$512,938 Land $19,115 Building $493,823	$512,938 Land $19,115 Building $493,823
2023	$4,671.00 (+7.93%)	$490,000 (+8.46%) Land $16,240 Building $473,760	$490,000 (+8.46%) Land $16,240 Building $473,760
2022	$4,328.00	$451,768 Land $15,178 Building $436,590	$451,768 Land $15,178 Building $436,590

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

Flood

FEMA maps place 4474 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 4474 Cooper Ln is moderate, ranking above 62% 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 62% of the US · lower than 62% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	100 / 20

May also be available: AT&T.

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