1469 Mill Creek Dr, Baker, FL 32531 Property Records

Okaloosa County property record for 1469 Mill Creek Dr, Baker, FL 32531

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,943 sqft · built 2011
Lot Size	0.333 acres (14,520 sqft)
Owner	2 Individual Names on File
Last Sale	$203,800 (Jul 2011)
Tax Bill	$117 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jan 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C56-001-037-8439-3`

Property Details

APN / Parcel Number

Primary APN	`C56-001-037-8439-3`
Alternative APNs	`08-3N-24-1000-000A-0100` `24N3081000000A0100`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,943 sqft Living Area
Gross Area	3,499 sqft
1st Floor Area	1,943 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Wood
Lot Area	14,520 sqft (0.333 acres)
Garage Type	Attached
Garage Area	554 sqft
Porch	Finished/Open Porch
Porch Area	234 sqft
Patio Area	768 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1469 MILL CREEK DR
City	BAKER
State	FL
Zip	32531-8479
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MILL CREEK FARMS LOT 10 BLK A
Legal Range	24W
Legal Township	03N
Legal Section	08
Legal Subdivision	MILL CREEK FARMS
Legal Block	A
Legal Lot Number	10
Jurisdiction	OKALOOSA FL
Township / Civil Division	BAKER
Census Block Group	2
Census Block	2040
Census Tract	20102

Owner

1469 Mill Creek Dr is owned and occupied by two individuals who bought it in July 2011.

Source: Okaloosa County records, as of July 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1469 MILL CREEK DR, BAKER, FL 32531-8479
Occupancy	Owner Occupied
Owner Type	Individual

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
Jul 8, 2026	Deed of Trust, Mortgage · VA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Jan 27, 2022	Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK
Mar 18, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Aug 17, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2011 · Amount on File
Deed Sale	Jul 1, 2011 · Amount on File
Deed Document Number	20112713856
Deed Book / Page	2991 / 1822
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Recording Date	Jul 8, 2026
Property Address	1469 MILL CREEK DR, BAKER, FL 32531-8479
Document Number	0003826445
Instrument Date	Jun 29, 2026
Instrument	20263826445
Transaction Type	Mortgage
Record Updated	Jul 17, 2026
Title Company	DO NO USE, CARRINGTON MORTGAGE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1469 MILL CREEK DR, BAKER, FL 32531-8479

Mortgage

Document Number	0003826445,
Date	Jul 8, 2026
Instrument	20263826445

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.53%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	1469 MILL CREEK DR, BAKER, FL 32531-8479
Transaction Type	Mortgage
Record Updated	Mar 8, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1469 MILL CREEK DR, BAKER, FL 32531-8479

Mortgage

Document Number	0036011206
Date	Jan 27, 2022
Book Page	3601/1206
Instrument	3522732

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60639

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	1469 MILL CREEK DR, BAKER, FL 32531-8479
Transaction Type	Mortgage
Record Updated	Apr 26, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1469 MILL CREEK DR, BAKER, FL 32531-8479

Mortgage

Document Number	0035330900
Date	Mar 18, 2021
Book Page	3533/900
Instrument	3439040

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	310 Months
Due	Jan 1, 2047

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	1469 MILL CREEK DR, BAKER, FL 32531-8479
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0034841995
Date	Aug 17, 2020
Book Page	3484/1995
Instrument	3382923

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	316 Months
Due	Dec 1, 2046

Tax Assessment & Valuation

The 2025 property tax bill for 1469 Mill Creek Dr was $117 with exemptions applied.

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 Homeowner's exemption Veteran's exemption	$247,092	$353,633 Land $29,713 Building $323,920
2023	$103.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$233,134 (+3%)	$366,119 (+6.16%) Land $25,244 Building $340,875
2022	$103.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$226,344	$344,878 Land $23,592 Building $321,286

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

Flood

FEMA maps place 1469 Mill Creek Dr 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	7 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 1469 Mill Creek Dr is moderate, ranking above 58% 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 58% of the US · lower than 69% 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	MILLIGAN WATER SYSTEM, INC. private · serves 2,450 people · EPA ID FL1460472
Water Source	Groundwater
Last State Inspection	Jan 2026
Lead	1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 48 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

May also be available: CenturyLink.

Cell Coverage

5G (outdoors only) and 4G LTE

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