Okaloosa County property record for 1654 Lady Ln, Baker, FL 32531
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,046 sqft · built 2005 |
| Lot Size | 0.525 acres (22,886 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $27,400 (Feb 2005) |
| Tax Bill | $1,587 (2025) |
| Deeds & Mortgages | Jul 2019 Mortgage Oct 2017 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-598-6264-9 |
| Primary APN | C56-000-598-6264-9 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,046 sqft Heated Area |
| Gross Area | 2,922 sqft |
| 1st Floor Area | 2,046 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 22,886 sqft (0.525 acres) |
| Garage Type | Finished |
| Garage Area | 529 sqft |
| Porch | Open Porch |
| Porch Area | 187 sqft |
| Patio Area | 160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 1654 LADY LN |
|---|---|
| City | BAKER |
| State | FL |
| Zip | 32531-9408 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MOORES PLACE II LOT 7 |
| Legal Range | 24 |
| Legal Township | 03N |
| Legal Section | 16 |
| Legal Subdivision | MOORE'S PLACE II |
| Legal Lot Number | 7 |
| 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 |
|---|---|
| Mailing Address | 1654 LADY LN, BAKER, FL 32531-9408 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 9, 2019 | Deed of Trust, Mortgage · Conventional Mortgage EGLIN FCU |
| Oct 9, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 16, 2005 · Amount on Record |
| Deed Sale | Feb 16, 2005 · Amount on Record |
| Prior Sale | Feb 16, 2005 · Amount on Record |
| Deed Document Number | 0025944473 |
| Last Transfer Date | Oct 9, 2017 |
| Transfer Doc | 0033204792 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 1654 LADY LN, BAKER, FL 32531-9408 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0034074188 |
|---|---|
| Date | Jul 9, 2019 |
| Book Page | 3407/4188 |
| Instrument | 3289742 |
| Name | EGLIN FCU |
|---|---|
| Type | Credit Union |
| Address | FORT WALTON BEACH, FL 32547 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Oct 9, 2017 |
| Property Address | 1654 LADY LN, BAKER, FL 32531-9408 |
| Document Number | 0033204792 |
| Book / Page | 003320 / 004792 |
| Instrument Date | Sep 22, 2017 |
| Instrument | 3164815 |
| Transaction Type | Transfer |
| Record Updated | Nov 22, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1654 LADY LN BAKER FL 325319408, BAKER, FL 32531-9408 |
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 | $1,587.00 (+6.58%) Homeowner's exemption | $189,910 (+5.99%) | $300,653 (+5.12%) Land $29,109 Building $271,544 |
| 2023 | $1,489.00 (+2.62%) Homeowner's exemption | $179,183 (+3%) | $286,007 (+8.56%) Land $24,731 Building $261,276 |
| 2022 | $1,451.00 Homeowner's exemption | $173,964 | $263,454 Land $23,113 Building $240,341 |
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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