4509 Cooper Ln, Holt, FL 32564 Property Records

Okaloosa County property record for 4509 Cooper Ln, Holt, FL 32564

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,568 sqft · built 1995
Lot Size	0.88 acres (38,333 sqft)
Owner	Individual Name on File
Last Sale	$175,000 (May 2021)
Tax Bill	$1,617 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage Oct 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`C56-000-592-3758-6`

Property Details

APN / Parcel Number

Primary APN	`C56-000-592-3758-6`
Alternative APN	`05-2N-25-0000-0012-002A`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,568 sqft Heated Area
1st Floor Area	1,568 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	38,333 sqft (0.88 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	4509 COOPER LN
City	HOLT
State	FL
Zip	32564-9639
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM SW COR N ALG W LINE 1846 FT E33 FT TO E R/W CO RD N3 DEG E263 FT TO POB CONT 335 FT TO S R/W U.S. 90 N65 DEG E146 FT S3 D
Legal Range	25
Legal Township	02N
Legal Section	05
Jurisdiction	OKALOOSA FL
Township / Civil Division	BAKER
Census Block Group	1
Census Block	1033
Census Tract	20101

Owner

4509 Cooper Ln is owned by an individual who bought it in May 2021.

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

Owner of Record	Individual Name on File
Mailing Address	4256 BREEZEWAY CIR, MILTON, FL 32583-2898
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
May 28, 2021	Warranty Deed, Transfer · FHA Mortgage EVERETT FINANCIAL INC
Oct 7, 2020	Warranty Deed, Transfer KNIGHT BARRY TITLE SOLUTIONS INC, KNIGHT BARRY TITLE SOLUTIONS I

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 28, 2021 · Amount on File
Deed Sale	May 28, 2021 · Amount on File
Prior Sale	Oct 7, 2020 · Amount on File
Deed Document Number	3459113
Deed Book / Page	3549 / 4355
Record Updated	Jun 8, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	May 28, 2021
Property Address	4509 COOPER LN, HOLT, FL 32564-9639
Document Number	0035494355
Book / Page	3549 / 4355
Instrument Date	Apr 13, 2021
Instrument	3459113
Transaction Type	Transfer
Record Updated	Jun 16, 2021
Title Company	AMERICS TITLE CORPORATION, AMERICAS TITLE CORPORATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,225.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5616 E BAY BLVD, 5616, GULF BREEZE, FL 32563-9408

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4256 BREEZEWAY CIR, MILTON, FL 32583-2898

Mortgage

Document Number	35494357
Date	May 28, 2021
Instrument	3549/4357

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Oct 7, 2020
Property Address	4509 COOPER LN, HOLT, FL 32564-9639
Document Number	0034970751
Book / Page	003497 / 000751
Instrument Date	Sep 11, 2020
Instrument	3396891
Transaction Type	Transfer
Record Updated	Oct 30, 2020
Title Company	KNIGHT BARRY TITLE SOLUTIONS INC, KNIGHT BARRY TITLE SOLUTIONS I

Transaction

Amount	Amount on Record
Tax	$462.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5616 E BAY BLVD GULF BREEZE FL 325639408, GULF BREEZE, FL 32563-9408

Tax Assessment & Valuation

The 2025 property tax bill for 4509 Cooper Ln was $1,617.

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	$1,617.00	$162,131 Land $18,477 Building $143,654	$162,131 Land $18,477 Building $143,654
2023	$1,563.00 (+6.76%)	$155,593 (+7.93%) Land $15,698 Building $139,895	$155,593 (+7.93%) Land $15,698 Building $139,895
2022	$1,464.00	$144,162 Land $14,671 Building $129,491	$144,162 Land $14,671 Building $129,491

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

Flood

FEMA maps place 4509 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 4509 Cooper Ln is moderate, ranking above 61% 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 61% of the US · lower than 64% 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 18 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: CenturyLink.

Nearby Properties on Cooper Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures