1620 Perry Smith Rd, Baker, FL 32531 Property Records

Okaloosa County property record for 1620 Perry Smith Rd, Baker, FL 32531

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,969 sqft · built 2019
Lot Size	5.01 acres (218,236 sqft)
Owner	2 Individual Names on Record
Last Sale	$40,000 (Jun 2017)
Tax Bill	$3,638 (2025)
Deeds & Mortgages	Nov 2019 Loan Modification Nov 2019 Loan Modification + 3 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-598-5799-5`

Property Details

APN / Parcel Number

Primary APN	`C56-000-598-5799-5`
Alternative APNs	`28-3N-24-0000-0009-0010` `24N328000000090010`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,969 sqft Living Area
Gross Area	4,151 sqft
1st Floor Area	2,969 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Wood
Lot Area	218,236 sqft (5.01 acres)
Lot Dimensions	631 ft deep x 343 ft wide
Garage Type	Attached
Garage Area	722 sqft
Porch	Florida Room
Porch Area	460 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1620 PERRY SMITH RD
City	BAKER
State	FL
Zip	32531-9411
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM SW COR OF NW1/4 OF NW1/4 E 665.62 FT TO POB N 631.45 FT E 343.72 FT S 631.76 FT W 346. 11 FT TO POB
Legal Range	24W
Legal Township	03N
Legal Section	28
Legal Block	9
Legal Lot Number	10
Jurisdiction	OKALOOSA FL
Township / Civil Division	BAKER
Census Block Group	2
Census Block	2017
Census Tract	20101

Owner

Source: Okaloosa County records, as of December 31, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1620 PERRY SMITH RD, BAKER, FL 32531-9411
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2019	Loan Modification, Mortgage FARM CREDIT SVCS
Nov 22, 2019	Loan Modification, Mortgage FARM CREDIT SVCS
Feb 14, 2019	Deed of Trust, Mortgage FARM CREDIT SVCS
Jun 6, 2017	Warranty Deed, Construction Loan · Line of Credit FARM CREDIT SVCS
Jan 12, 2017	Warranty Deed, Transfer MTI TITLE INSURANCE AGENCY INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 6, 2017 · Amount on Record
Deed Sale	Jun 6, 2017 · Amount on Record
Prior Sale	Jan 12, 2017 · Amount on Record
Deed Document Number	20173139210
Deed Book / Page	3302 / 3008
Prior Transfer Date	Jun 11, 2013
Prior Transfer Doc	0031002000
Record Updated	Jun 8, 2026

November 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OKALOOSA FL
Property Address	1620 PERRY SMITH RD, BAKER, FL 32531-9411
Document Number	0034303870
Instrument Date	Nov 22, 2019
Transaction Type	Mortgage
Record Updated	Dec 13, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1560 PERRY SMITH RD BAKER FL 325319491, BAKER, FL 32531-9491

Mortgage

Document Number	0034303870
Date	Nov 26, 2019
Book Page	003430/003870
Instrument	3320585

Lender

Name	FARM CREDIT SVCS
Type	Funding / Finance Company
Address	MARIANNA, FL 32447

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 25, 2049

Interest

Rate Type	Fixed Rate
Rate	4.5%

November 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OKALOOSA FL
Property Address	1620 PERRY SMITH RD, BAKER, FL 32531-9411
Document Number	0034674405
Instrument Date	Nov 22, 2019
Transaction Type	Mortgage
Record Updated	Aug 7, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1560 PERRY SMITH RD BAKER FL 325319491, BAKER, FL 32531-9491

Mortgage

Document Number	0034674405
Date	Jun 10, 2020
Book Page	003467/004405
Instrument	3364546

Lender

Name	FARM CREDIT SVCS
Type	Funding / Finance Company
Address	5052 HWY 90 E, MARIANNA, FL 32447

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 9, 2050

Interest

Rate Type	Fixed Rate
Rate	4.5%

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	1620 PERRY SMITH RD, BAKER, FL 32531-9411
Document Number	0033862525
Instrument Date	Feb 14, 2019
Transaction Type	Mortgage
Record Updated	Aug 7, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PERRY SMITH RD BAKER FL 32531, BAKER, FL 32531

Mortgage

Document Number	0033862525
Date	Feb 26, 2019
Book Page	003386/002525
Instrument	3260930

Lender

Name	FARM CREDIT SVCS
Type	Funding / Finance Company
Address	MARIANNA, FL 32447

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 25, 2049

June 2017: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jun 6, 2017
Property Address	1620 PERRY SMITH RD, BAKER, FL 32531-9411
Document Number	0033023008
Book / Page	003302 / 003008
Instrument Date	Jun 2, 2017
Instrument	3139210
Transaction Type	Construction Loan
Record Updated	Aug 2, 2017
Title Company	MTI TITLE INSURANCE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$280.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1560 PERRY RD BAKER FL 32531, BAKER, FL 32531

Mortgage

Document Number	33023010
Date	Jun 6, 2017
Book Page	003302/003010
Instrument	3139211

Lender

Name	FARM CREDIT SVCS
Type	Funding / Finance Company
Address	MARIANNA, FL 32447-7000

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Jun 5, 2022

Interest

Rate Type	Adjustable Rate

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jan 12, 2017
Property Address	1620 PERRY SMITH RD, BAKER, FL 32531-9411
Document Number	0032832776
Book / Page	003283 / 002776
Instrument Date	Jan 11, 2017
Instrument	3112065
Transaction Type	Transfer
Record Updated	Jan 24, 2017
Title Company	MTI TITLE INSURANCE AGENCY INC

Transaction

Amount	Amount Recorded
Tax	$269.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4631 HERMOSA RD CRESTVIEW FL 325396734, CRESTVIEW, FL 32539-6734

Tax Assessment & Valuation

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	$3,638.00 (+7.76%) Homeowner's exemption	$405,503 (+8.09%)	$580,222 (+6.96%) Land $40,222 Building $540,000
2023	$3,376.00 (+2.21%) Homeowner's exemption	$375,164 (+3%)	$542,456 (+8.62%) Land $34,173 Building $508,283
2022	$3,303.00 Homeowner's exemption	$364,237	$499,390 Land $31,937 Building $467,453

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
Flood Insurance Cost	Premium on Record median of 10 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	10 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 57% of the US · lower than 69% of Florida
Wildfire Likelihood	0.1% 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 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
Verizon Fixed Wireless	25 / 6
CenturyLink DSL	10 / 1

Cell Coverage

5G (outdoors only) and 4G LTE

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