4580 Durbin Ln, Holt, FL 32564 Property Records

Okaloosa County property record for 4580 Durbin Ln, Holt, FL 32564

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,369 sqft · built 2006
Lot Size	1.8 acres (78,422 sqft)
Owner	2 Individual Names on Record
Last Sale	$239,500 (Dec 2015)
Tax Bill	$75 (2025)
Deeds & Mortgages	May 2021 Mortgage Sep 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-599-1030-7`

Property Details

APN / Parcel Number

Primary APN	`C56-000-599-1030-7`
Alternative APN	`31-3N-24-1000-0000-0140`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,369 sqft Heated Area
Gross Area	3,059 sqft
1st Floor Area	2,369 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	78,422 sqft (1.8 acres)
Garage Type	Finished
Garage Area	440 sqft
Porch	Open Porch
Porch Area	250 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	4580 DURBIN LN
City	HOLT
State	FL
Zip	32564-9492
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VIRGINIA RIDGE LOT 14
Legal Range	24
Legal Township	03N
Legal Section	31
Legal Subdivision	VIRGINIA RIDGE
Legal Lot Number	14
Jurisdiction	OKALOOSA FL
Township / Civil Division	BAKER
Census Block Group	2
Census Block	2057
Census Tract	20101

Owner

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

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	4580 DURBIN LN, HOLT, FL 32564-9492
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 17, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Sep 10, 2021	Deed of Trust, Mortgage · VA Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 15, 2015 · Amount on Record
Deed Sale	Dec 15, 2015 · Amount on Record
Prior Sale	Jun 11, 2010 · Amount on Record
Deed Document Number	3038098
Deed Book / Page	3228 / 0500
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4580 DURBIN LN, HOLT, FL 32564-9492
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0035464099
Date	May 17, 2021
Book Page	3546/4099
Instrument	3455391

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	298 Months
Due	Mar 1, 2046

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4580 DURBIN LN, HOLT, FL 32564-9492
Transaction Type	Mortgage
Record Updated	Jun 24, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4580 DURBIN LN, HOLT, FL 32564-9492

Mortgage

Document Number	0035730469
Date	Sep 10, 2021
Book Page	3573/469
Instrument	3487539

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

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	$75.00 (+15.38%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$231,282 (+5.99%)	$379,182 (+10.48%) Land $47,433 Building $331,749
2023	$65.00 (-96.34%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$218,217 (+3%)	$343,199 (+8.3%) Land $23,561 Building $319,638
2022	$1,776.00 Homeowner's exemption	$211,861	$316,891 Land $22,020 Building $294,871

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

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 56% of the US · lower than 72% 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 21 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

May also be available: CenturyLink, T-Mobile.

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