1275 Finkel Rd, Baker, FL 32531 Property Records

Okaloosa County property record for 1275 Finkel Rd, Baker, FL 32531

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,625 sqft · built 1963
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Tax Bill	$1,577 (2025)
Deeds & Mortgages	Jan 2022 Construction Loan Sep 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`C56-000-591-8235-2`

Property Details

APN / Parcel Number

Primary APN	`C56-000-591-8235-2`
Alternative APN	`03-5N-24-2770-0000-111B`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,625 sqft Heated Area
Gross Area	1,786 sqft
1st Floor Area	1,505 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 2018
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	43,560 sqft (1 acres)
Porch	Open Porch
Porch Area	161 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1275 FINKEL RD
City	BAKER
State	FL
Zip	32531-7503
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ESCAMBIA FARMS 1 AC ON FINKEL RD AS OR
Legal Range	24
Legal Township	05N
Legal Section	03
Legal Subdivision	ESCAMBIA FARMS
Jurisdiction	OKALOOSA FL
Township / Civil Division	BAKER
Census Block Group	1
Census Block	1042
Census Tract	20102

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	1275 FINKEL RD, BAKER, FL 32531-7503
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 14, 2022	Deed of Trust, Mortgage · Construction Mortgage AMERIS BANK
Sep 7, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Prior Sale	Jan 26, 2006
Last Transfer Date	Aug 7, 2024
Transfer Doc	0003704034
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	1275 FINKEL RD, BAKER, FL 32531-7503
Transaction Type	Mortgage
Record Updated	Feb 28, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

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

Mortgage

Document Number	0035990111
Date	Jan 14, 2022
Book Page	3599/111
Instrument	3520113

Lender

Name	AMERIS BANK
Type	Bank
Address	MARIETTA, GA 30067

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OKALOOSA FL
Recording Date	Sep 7, 2021
Property Address	1275 FINKEL RD, BAKER, FL 32531-7503
Document Number	0035713893
Book / Page	3571 / 3893
Instrument Date	Sep 3, 2021
Instrument	3486132
Transaction Type	Transfer
Record Updated	Apr 21, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

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

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	$1,577.00 (-4.25%) Homeowner's exemption	$189,547 (+2.69%)	$194,127 (+5.17%) Land $8,669 Building $185,458
2023	$1,647.00 (+75.03%)	$184,585 (+100.57%) Land $7,365 Building $177,220	$184,585 (+100.57%) Land $7,365 Building $177,220
2022	$941.00	$92,028 Land $6,883 Building $85,145	$92,028 Land $6,883 Building $85,145

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	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

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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