12928 Red Cloud Rd, Baker, FL 32531 Property Records

Santa Rosa County property record for 12928 Red Cloud Rd, Baker, FL 32531

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,051 sqft · built 2011
Lot Size	5.59 acres (243,500 sqft)
Owner	Individual Name on Record
Last Sale	$185,900 (Dec 2020)
Tax Bill	$743 (2024)
Deeds & Mortgages	May 2020 Sale & Mortgage Dec 2020 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`24-4N-26-0000-00113-0000`

Property Details

APN / Parcel Number

Primary APN	`24-4N-26-0000-00113-0000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,051 sqft Heated Area
Gross Area	1,069 sqft
1st Floor Area	1,051 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2011
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Material	Shingle
Lot Area	243,500 sqft (5.59 acres)
Garage Area	1 sqft
Porch	Open Porch
Porch Area	18 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	244N260000001130000
Street Address	12928 RED CLOUD RD
City	BAKER
State	FL
Zip	32531-8541
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG-RR
Legal Description	DESCRIPTION UPDATED FOR 2021 BEG AT NW CORN OF NE4 OF SECTION 24 TOWNSHIP 4 NORTH RANGE 26 WEST THN S87*55'37E 522.76 FT
Legal Range	26W
Legal Township	04N
Legal Section	24
Legal Subdivision	WEST
Jurisdiction	SANTA ROSA FL
Township / Civil Division	MUNSON
Census Block Group	1
Census Block	1123
Census Tract	10100

Owner

Source: Santa Rosa County records, as of October 27, 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
Mailing Address	12928 RED CLOUD RD, BAKER, FL 32531-8541
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 13, 2020	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Dec 7, 2020	Correction Deed SETCO SERVICES LLC, SETCO SVCS LLC
Jun 19, 2018	Warranty Deed, Transfer OLD SOUTH LAND TITLE
Jun 19, 2018	Warranty Deed, Transfer · Conventional Mortgage AMERICAN FINANCIAL RESOURCES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 7, 2020 · Amount on Record
Deed Sale	Dec 7, 2020 · Amount on Record
Prior Sale	Jun 19, 2018 · Amount on Record
Deed Document Number	0004038956
Deed Book / Page	4038 / 956
Record Updated	Jun 8, 2026

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	May 13, 2020
Property Address	12928 RED CLOUD RD, BAKER, FL 32531-8541
Document Number	0039500175
Book / Page	003950 / 000175
Instrument Date	May 11, 2020
Instrument	22540
Transaction Type	Transfer
Record Updated	Jun 26, 2020
Title Company	SETCO SERVICES LLC, SETCO SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,301.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12928 RED CLOUD RD BAKER FL 325318541, BAKER, FL 32531-8541

Mortgage

Document Number	39500177
Date	May 13, 2020
Book Page	003950/000177
Instrument	22541

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 12, 2035

December 2020: Correction Deed

Document Type	Correction Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Dec 7, 2020
Property Address	12928 RED CLOUD RD, BAKER, FL 32531-8541
Document Number	0040380956
Book / Page	004038 / 000956
Instrument Date	May 11, 2020
Instrument	65380
Record Updated	Jan 8, 2021
Title Company	SETCO SERVICES LLC, SETCO SVCS LLC

Transaction

Amount	Amount Recorded
Tax	$1,301.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12928 RED CLOUD RD BAKER FL 325318541, BAKER, FL 32531-8541

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jun 19, 2018
Property Address	12928 RED CLOUD RD, BAKER, FL 32531-8541
Document Number	0037390522
Book / Page	003739 / 000522
Instrument Date	Jun 15, 2018
Instrument	25577
Transaction Type	Transfer
Record Updated	Sep 13, 2018
Title Company	OLD SOUTH LAND TITLE

Transaction

Amount	Amount Recorded
Tax	$12.60
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2400 OLD MARTIN RD BAKER FL 325318510, BAKER, FL 32531-8510

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jun 19, 2018
Property Address	12928 RED CLOUD RD, BAKER, FL 32531-8541
Document Number	0037390504
Book / Page	3739 / 0504
Instrument Date	Jun 15, 2018
Instrument	201825575
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	OLD SOUTH LAND TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$735.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1148 S CAMINO SANTIAGO DR, 1148, PUEBLO, CO 81007-1936

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12928 RED CLOUD RD, BAKER, FL 32531-8541

Mortgage

Document Number	0037390510
Date	Jun 19, 2018
Book Page	3739/0510
Instrument	201825576

Lender

Name	AMERICAN FINANCIAL RESOURCES INC
Type	Funding / Finance Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of July 1, 2024

Property Jurisdictions

Type	Name
State	Florida
County	Santa Rosa County
Unified School District	Santa Rosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2024	$743.00 (+3.05%) Homeowner's exemption	$93,853 (+3%)	$181,415 (+12.39%) Land $61,769 Building $119,646
2023	$721.00 (+3.3%) Homeowner's exemption	$91,119 (+3%)	$161,416 (+3.61%) Land $42,763 Building $118,653
2022	$698.00 Homeowner's exemption	$88,465	$155,797 Land $42,763 Building $113,034

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective November 18, 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
Nearby Flood Claims	1 (2009)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2009 · Severe Storms, Flooding, Tornadoes, And Straight-line Winds

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 67% of the US · above 45% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber	2,000 / 2,000
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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