Okaloosa County property record for 1581 Lena St, Baker, FL 32531
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,987 sqft · built 2014 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $257,000 (Dec 2014) |
| Tax Bill | $4,157 (2025) |
| Deeds & Mortgages | Jan 2024 Mortgage Nov 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-001-038-8477-1 |
| Primary APN | C56-001-038-8477-1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,987 sqft Heated Area |
| Gross Area | 4,063 sqft |
| 1st Floor Area | 2,987 sqft |
| Interior Walls | Custom/Decorative |
| Year Built | Built 2014 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Wood |
| Lot Area | 21,780 sqft (0.5 acres) |
| Garage Type | Finished |
| Garage Area | 696 sqft |
| Porch | Open Porch |
| Porch Area | 140 sqft |
| Patio Area | 240 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 1581 LENA ST |
|---|---|
| City | BAKER |
| State | FL |
| Zip | 32531-8482 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MOSSY OAKS PLANTATION PH I LOT 17 BLK A |
| Legal Range | 24 |
| Legal Township | 03N |
| Legal Section | 17 |
| Legal Subdivision | MOSSY OAKS PLANTATION PH I |
| Legal Phase | 1 |
| Legal Block | A |
| Legal Lot Number | 17 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | BAKER |
| Census Block Group | 2 |
| Census Block | 2040 |
| Census Tract | 20102 |
Source: Okaloosa County records, as of December 8, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 1581 LENA ST, BAKER, FL 32531-8482 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Jan 9, 2024 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Nov 10, 2021 | Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 29, 2014 · Amount on File |
| Deed Sale | Dec 29, 2014 · Amount on File |
| Deed Document Number | 2970252 |
| Deed Book / Page | 3178 / 1452 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 1581 LENA ST, BAKER, FL 32531-8482 |
| Transaction Type | Mortgage |
| Record Updated | Feb 1, 2024 |
| Name | Verified Name |
|---|---|
| Address | 1581 LENA ST, BAKER, FL 32531-8482 |
| Document Number | 0003665319 |
|---|---|
| Date | Jan 9, 2024 |
| Instrument | 3665319 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 1581 LENA ST, BAKER, FL 32531-8482 |
| Transaction Type | Mortgage |
| Record Updated | Dec 3, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1581 LENA ST, BAKER, FL 32531-8482 |
| Document Number | 0035861560 |
|---|---|
| Date | Nov 10, 2021 |
| Book Page | 3586/1560 |
| Instrument | 3504300 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | RICHMOND, VA 23224 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Dec 1, 2041 |
Source: Okaloosa County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Unified School District | Okaloosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,157.00 (+0.29%) | $424,493 (-4.57%) Land $30,373 Building $394,120 | $424,493 (-4.57%) Land $30,373 Building $394,120 |
| 2023 | $4,145.00 (+6.28%) | $444,807 (+6.23%) Land $25,805 Building $419,002 | $444,807 (+6.23%) Land $25,805 Building $419,002 |
| 2022 | $3,900.00 | $418,736 Land $24,117 Building $394,619 | $418,736 Land $24,117 Building $394,619 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 57% of the US · lower than 71% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 84 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 2,000 / 1,000 |
| Mediacom Xtream Cable · Fiber in parts of the area | 1,000 / 50 |
| Starlink Satellite | 280 / 30 |
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