1110 Melton Rd, Baker, FL 32531 Property Records

Okaloosa County property record for 1110 Melton Rd, Baker, FL 32531

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,537 sqft · built 1990
Lot Size	2.75 acres (119,790 sqft)
Owner	2 Individual Names on Record
Last Sale	$139,500 (Sep 2001)
Tax Bill	$117 (2025)
Deeds & Mortgages	May 2018 Mortgage Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-591-2700-1`

Property Details

APN / Parcel Number

Primary APN	`C56-000-591-2700-1`
Alternative APNs	`01-3N-25-0000-0002-0050` `25N301000000020050`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,537 sqft Living Area
Gross Area	3,148 sqft
1st Floor Area	1,537 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	119,790 sqft (2.75 acres)
Lot Width	10 ft Width
Garage Type	Attached
Garage Area	440 sqft
Porch	Florida Room
Porch Area	1,171 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1110 MELTON RD
City	BAKER
State	FL
Zip	32531-8310
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MIDDLE 1/3 OF W1/2 OF N1/2 OF NW1/4 OF NE1/4 OR 877-751
Legal Range	25W
Legal Township	03N
Legal Section	01
Legal Block	2
Legal Lot Number	50
Jurisdiction	OKALOOSA FL
Township / Civil Division	BAKER
Census Block Group	3
Census Block	3014
Census Tract	20102

Owner

Source: Okaloosa County records, as of August 27, 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	1110 MELTON RD, BAKER, FL 32531-8310
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 11, 2018	Deed of Trust, Mortgage · VA Mortgage CARDINAL FINANCIAL COMPANY LP
Oct 19, 2020	Deed of Trust, Mortgage · VA Mortgage CARDINAL FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 17, 2001 · Amount on Record
Deed Sale	Sep 17, 2001 · Amount on Record
Deed Document Number	20011867084
Deed Book / Page	2315 / 4252
Record Updated	Oct 29, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	1110 MELTON RD, BAKER, FL 32531-8310
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0033493786
Date	May 11, 2018
Book Page	3349/3786
Instrument	3206347

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	1110 MELTON RD, BAKER, FL 32531-8310
Document Number	0035073138
Instrument Date	Oct 19, 2020
Transaction Type	Mortgage
Record Updated	Dec 21, 2020
Title Company	OTHER

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1110 MELTON RD BAKER FL 325318310, BAKER, FL 32531-8310

Mortgage

Document Number	0035073138
Date	Nov 24, 2020
Book Page	003507/003138
Instrument	3409891

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 23, 2050

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	$117.00 (+13.59%) Homeowner's exemption Veteran's exemption	$187,252 (+5.99%)	$288,201 (+4.83%) Land $22,697 Building $265,504
2023	$103.00 (-92.52%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$176,675 (+3%)	$274,922 (+7.96%) Land $19,283 Building $255,639
2022	$1,377.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$171,529	$254,657 Land $18,022 Building $236,635

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	9 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 61% of the US · lower than 65% 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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
CenturyLink DSL	10 / 1

May also be available: AT&T.

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