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1655 Lady Ln, Baker, FL 32531 Property Records

Okaloosa County property record for 1655 Lady Ln, Baker, FL 32531

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,631 sqft · built 2005
Lot Size0.525 acres (22,894 sqft)
OwnerIndividual Name on File
Last Sale$230,000 (Jan 2021)
Tax Bill$1,787 (2025)
Deeds & MortgagesOct 2017 Mortgage
Jan 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APNC56-000-598-6267-2

Property Details

APN / Parcel Number

Primary APNC56-000-598-6267-2
Alternative APN
  • 16-3N-24-1447-0000-0100

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,631 sqft Heated Area
Gross Area2,352 sqft
1st Floor Area1,631 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2005
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialWood
Lot Area22,894 sqft (0.525 acres)
Garage TypeFinished
Garage Area484 sqft
PorchOpen Porch
Porch Area21 sqft
Patio Area216 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address1655 LADY LN
CityBAKER
StateFL
Zip32531-9409
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionMOORES PLACE II LOT 10
Legal Range24
Legal Township03N
Legal Section16
Legal SubdivisionMOORE'S PLACE II
Legal Lot Number10
JurisdictionOKALOOSA FL
Township / Civil DivisionBAKER
Census Block Group2
Census Block2017
Census Tract20101

Owner

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 RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address1655 LADY LN, BAKER, FL 32531-9409
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 24, 2017Deed of Trust, Mortgage · Commercial Mortgage
REGIONS BANK
Jan 22, 2021Warranty Deed, Transfer · FHA Mortgage
BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 22, 2021 · Amount on File
Deed SaleJan 22, 2021 · Amount on File
Prior SaleApr 1, 2013 · Amount on File
Deed Document Number3423999
Deed Book / Page3520 / 1389
Record UpdatedJun 8, 2026

October 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOKALOOSA FL
Property Address1655 LADY LN, BAKER, FL 32531-9409
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0033230327
DateOct 24, 2017
Book Page3323/0327
Instrument3168061
Lender
NameREGIONS BANK
TypeBank
AddressBIRMINGHAM, AL 35211
Agreement
TypeCommercial Mortgage
AmountAmount on Record
Term360 Months
DueOct 12, 2047

January 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOKALOOSA FL
Recording DateJan 22, 2021
Property Address1655 LADY LN, BAKER, FL 32531-9409
Document Number0035201389
Book / Page3520 / 1389
Map ReferenceMB 21 PG 52
Instrument DateJan 15, 2021
Instrument3423999
Transaction TypeTransfer
Record UpdatedJan 10, 2022
Title CompanyOLD SOUTH LAND TITLE, OLD SOUTH LAND TITLE INC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,610.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3161 GRIER RD, 3161, WETUMPKA, AL 36092-4209

Transferred To (Grantee/Buyer)

NameVerified Name
Address1665 LADY LN, BAKER, FL 32531-9409

Mortgage

Document Number0035201394
DateJan 22, 2021
Instrument3520/1394
Lender
NameBROKER SOLUTIONS INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueFeb 1, 2051

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOkaloosa County
Unified School DistrictOkaloosa County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,787.00 (+6.37%) Homeowner's exemption$210,975 (+5.99%)$222,626 (+6.17%) Land $29,109 Building $193,517
2023$1,680.00 (+2.5%) Homeowner's exemption$199,057 (+3%)$209,698 (+8.51%) Land $24,731 Building $184,967
2022$1,639.00 Homeowner's exemption$193,259 Land $23,113 Building $170,146$193,259 Land $23,113 Building $170,146

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 10 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies10 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 RiskModerate
above 54% of the US · lower than 74% of Florida
Wildfire Likelihood0.1% annual chance
ExposureDirect
burnable vegetation

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 SystemMILLIGAN WATER SYSTEM, INC.
private · serves 2,450 people · EPA ID FL1460472
Water SourceGroundwater
Last State InspectionJan 2026
Lead1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting3
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 123 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Mediacom Xtream
Cable · Fiber in parts of the area		1,000 / 50

May also be available: CenturyLink.

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