1271 Finkel Rd, Baker, FL 32531 Property Records

Okaloosa County property record for 1271 Finkel Rd, Baker, FL 32531

Property Summary

Property Type	General Agricultural/Rural
Details	4 bd · 3 ba · 3,924 sqft · built 2007
Lot Size	10 acres (435,600 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,964 (2025)
Deeds & Mortgages	Dec 2019 Second Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-963-6921-0`

Property Details

APN / Parcel Number

Primary APN	`C56-000-963-6921-0`
Alternative APNs	`03-5N-24-2770-0000-111C` `24N50327700000111C`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,924 sqft Gross Area
1st Floor Area	2,490 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	435,600 sqft (10 acres)
Garage Type	Attached
Garage Area	756 sqft
Porch	Florida Room
Porch Area	678 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1271 FINKEL RD
City	BAKER
State	FL
Zip	32531-7503
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > General Agricultural/Rural
Legal Description	ESCAMBIA FARMS PART OF LOT 111: COM SE COR OF 18-5N-24 N 46.1 FT TO N R/W S 77 DEG E 640 FT N 74 DEG E 831 FT E 921.9 FT E 100.2 FT N 4 DEG W 585.77 FT TO POB N 4 DEG W 757 FT S 78 DEG W 598.69 FT S 643.1 FT E 656.83 FT TO POB
Legal Range	24W
Legal Township	05N
Legal Section	03
Legal Subdivision	ESCAMBIA FARMS
Legal Lot Number	111
Jurisdiction	OKALOOSA FL
Township / Civil Division	BAKER
Census Block Group	1
Census Block	1042
Census Tract	20102

Owner

1271 Finkel Rd, an agricultural property, is owned by two individuals who acquired it in December 2021.

Source: Okaloosa County records, as of April 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1271 FINKEL RD, BAKER, FL 32531-7503
Owner Type	Individual
Vesting	Life Estate

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
Dec 4, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Mar 19, 2021	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Jul 7, 2020	Warranty Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Dec 19, 2021
Transfer Doc	0003514170
Record Updated	Jun 8, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	1271 FINKEL RD, BAKER, FL 32531-7503
Transaction Type	Mortgage
Record Updated	Sep 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0034314157
Date	Dec 4, 2019
Book Page	3431/4157
Instrument	3321916

Lender

Name	DISCOVER BANK
Type	Bank
Address	NEW CASTLE, DE 19720

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	Dec 2, 2039

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	1271 FINKEL RD, BAKER, FL 32531-7503
Transaction Type	Mortgage
Record Updated	Sep 24, 2021
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1271 FINKEL RD, BAKER, FL 32531-7503

Mortgage

Document Number	0035332371
Date	Mar 19, 2021
Book Page	3533/2371
Instrument	3439514

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jul 7, 2020
Property Address	1271 FINKEL RD, BAKER, FL 32531-7503
Document Number	0034734440
Book / Page	003473 / 004440
Instrument Date	Jun 27, 2020
Instrument	3371338
Transaction Type	Transfer
Record Updated	Aug 24, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1271 FINKEL RD BAKER FL 325317503, BAKER, FL 32531-7503

Tax Assessment & Valuation

The 2025 property tax bill for 1271 Finkel Rd was $1,964.

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	$1,964.00	$235,152	$436,226 Land $44,102 Building $392,124
2023	$1,849.00 (+2.49%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$221,998 (+3.1%) Land $9,660 Building $212,338	$422,583 (+8.01%)
2022	$1,804.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$215,329 Land $8,448 Building $206,881	$391,234

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

Flood

FEMA maps place 1271 Finkel Rd in Zone X, an area of minimal flood risk.

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	2 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

Wildfire risk around 1271 Finkel Rd 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	OKALOOSA WATERWORKS (FORMERLY BLACKMAN) private · serves 812 people · EPA ID FL1464068
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	6 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	1 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 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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