Okaloosa County property record for 1651 Lady Ln, Baker, FL 32531
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,546 sqft · built 2022 |
| Lot Size | 0.489 acres (21,321 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $32,000 (Oct 2021) |
| Tax Bill | $2,418 (2025) |
| Deeds & Mortgages | Oct 2021 Sale & Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-598-6266-4 |
| Primary APN | C56-000-598-6266-4 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,546 sqft Heated Area |
| Gross Area | 2,445 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Custom/Decorative |
| Year Built | Built 2022 |
|---|---|
| Exterior Material | Wood |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Wood |
| Lot Area | 21,321 sqft (0.489 acres) |
| Garage Type | Finished |
| Porch | Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 1651 LADY LN |
|---|---|
| City | BAKER |
| State | FL |
| Zip | 32531-9409 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MOORES PLACE II LOT 9 |
| Legal Range | 24 |
| Legal Township | 03N |
| Legal Section | 16 |
| Legal Subdivision | MOORE'S PLACE II |
| Legal Lot Number | 9 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | BAKER |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 20101 |
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 | 1651 LADY LN, BAKER, FL 32531-9409 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 15, 2021 · Amount on Record |
| Deed Sale | Oct 15, 2021 · Amount on Record |
| Prior Sale | Apr 14, 2005 · Amount on Record |
| Deed Document Number | 3497422 |
| Deed Book / Page | 3580 / 4705 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Oct 15, 2021 |
| Property Address | 1651 LADY LN, BAKER, FL 32531-9409 |
| Document Number | 0035804705 |
| Book / Page | 3580 / 4705 |
| Map Reference | MB 21 PG 52&53 |
| Instrument Date | Oct 14, 2021 |
| Instrument | 3497422 |
| Transaction Type | Construction Loan |
| Record Updated | Feb 13, 2024 |
| Title Company | MOULTON LAND TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $224.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4373 S FERDON BLVD, CRESTVIEW, FL 32536-5226 |
| Name | Verified Name |
|---|---|
| Address | 3098 ZACH AVE, CRESTVIEW, FL 32536-7214 |
| Document Number | 0035804706 |
|---|---|
| Date | Oct 15, 2021 |
| Instrument | 3580/4706 |
| Name | UNIVERSITY LENDING GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Nov 1, 2052 |
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 | $2,418.00 (+2.68%) Homeowner's exemption | $277,303 (+3.05%) | $284,901 (+5.87%) Land $29,109 Building $255,792 |
| 2023 | $2,355.00 (+613.64%) Homeowner's exemption | $269,100 (+1,064.28%) Land $24,731 Building $244,369 | $269,100 (+1,064.28%) Land $24,731 Building $244,369 |
| 2022 | $330.00 | $23,113 Land $23,113 | $23,113 Land $23,113 |
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 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 54% of the US · lower than 74% 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.
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 123 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable · Fiber in parts of the area | 1,000 / 50 |
May also be available: CenturyLink.
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