979 Hard Times Ln, Holt, FL 32564 Property Records

Okaloosa County property record for 979 Hard Times Ln, Holt, FL 32564

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,248 sqft · built 1951
Lot Size	5.25 acres (228,690 sqft)
Owner	Individual Name on Record
Tax Bill	$552 (2025)
Deeds & Mortgages	Feb 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`C56-000-596-5019-2`

Property Details

APN / Parcel Number

Primary APN	`C56-000-596-5019-2`
Alternative APNs	`23-3N-25-0000-0006-0000` `25N323000000060000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,248 sqft Living Area
1st Floor Area	1,248 sqft
Flooring	Plywood

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	228,690 sqft (5.25 acres)

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Convection
Heating Fuel	Gas

Location & Zoning

Street Address	979 HARD TIMES LN
City	HOLT
State	FL
Zip	32564-9369
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM NE COR OF NW1/4 S 1320FT W 779.99FT TO POB W 173.33FT N 660FT E 173.33FT S 660FT TO POB AND COM NE COR OF NW1/4 S 1320FT W 606.66FT TO POB W 173.33FT N 660FT E 173.33FT S 660FT TO POB
Legal Range	25W
Legal Township	03N
Legal Section	23
Legal Block	6
Jurisdiction	OKALOOSA FL
Township / Civil Division	BAKER
Census Block Group	1
Census Block	1000
Census Tract	20101

Owner

Source: Okaloosa County records, as of January 16, 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	Individual Name on Record
Mailing Address	976 HARD TIMES LN, HOLT, FL 32564-9368
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 21, 2018
Transfer Doc	0033382627
Record Updated	Jun 8, 2026

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OKALOOSA FL
Recording Date	Feb 22, 2018
Property Address	979 HARD TIMES LN, HOLT, FL 32564-9369
Document Number	0033382627
Book / Page	003338 / 002627
Instrument Date	Feb 22, 2018
Instrument	3190223
Transaction Type	Transfer
Record Updated	Mar 7, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	976 HARD TIMES LN HOLT FL 325649368, HOLT, FL 32564-9368

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	$552.00 (+13.11%)	$53,969 (+10.5%) Land $30,453 Building $23,516	$53,969 (+10.5%) Land $30,453 Building $23,516
2023	$488.00 (+6.78%)	$48,840 (+7.03%) Land $25,873 Building $22,967	$48,840 (+7.03%) Land $25,873 Building $22,967
2022	$457.00	$45,630 Land $24,180 Building $21,450	$45,630 Land $24,180 Building $21,450

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 65% of the US · above 41% 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	BAKER WATER SYSTEM, INC. serves 2,930 people · EPA ID FL1460043
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 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	None 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 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Starlink Satellite	280 / 30