1668 Cobb Rd, Baker, FL 32531 Property Records

Okaloosa County property record for 1668 Cobb Rd, Baker, FL 32531

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,600 sqft · built 1989
Lot Size	12.6 acres (551,470 sqft)
Owner	Company Name on Record
Last Sale	$587,000 (Nov 2022)
Tax Bill	$117 (2025)
Deeds & Mortgages	Nov 2023 Transfer Nov 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-597-1333-9`

Property Details

APN / Parcel Number

Primary APN	`C56-000-597-1333-9`
Alternative APN	`28-4N-24-0000-0003-0000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,600 sqft Heated Area
Gross Area	4,319 sqft
1st Floor Area	3,600 sqft
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2010
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	551,470 sqft (12.6 acres)
Porch	Open Porch
Patio Area	348 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1668 COBB RD
City	BAKER
State	FL
Zip	32531-8136
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG SW COR OF NE1/4 OF NW1/4 N 1313.33FT E 393.45FT S 1317.33FT W 393.44FT TO POB
Legal Range	24
Legal Section	28
Jurisdiction	OKALOOSA FL
Township / Civil Division	BAKER
Census Block Group	2
Census Block	2009
Census Tract	20102

Owner

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	Company Name on Record
Co-owner	2 Co-owners on Record
Mailing Address	1668 COBB RD, BAKER, FL 32531-8136
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Nov 7, 2022	Warranty Deed, Transfer · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP
Nov 29, 2021	Special Warranty Deed, Construction Loan · Construction Mortgage KIAVI FUNDING INC
Oct 29, 2021	Special Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Nov 7, 2022 · Amount on Record
Deed Sale	Nov 7, 2022 · Amount on Record
Prior Sale	Nov 21, 2023
Deed Document Number	0036501968
Deed Book / Page	3650 / 1968
Last Transfer Date	Jun 30, 2025
Transfer Doc	0003761667
Record Updated	Jun 8, 2026

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OKALOOSA FL
Recording Date	Nov 21, 2023
Property Address	1668 COBB RD, BAKER, FL 32531-8136
Document Number	0003658546
Instrument Date	Nov 21, 2023
Instrument	3658546
Transaction Type	Transfer
Record Updated	Jan 12, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1668 COBB RD, BAKER, FL 32531-8136

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1668 COBB RD, BAKER, FL 32531-8136

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Nov 7, 2022
Property Address	1668 COBB RD, BAKER, FL 32531-8136
Document Number	0036501968
Book / Page	3650 / 1968
Instrument Date	Nov 2, 2022
Instrument	3589595
Transaction Type	Transfer
Record Updated	Dec 6, 2022
Title Company	BRIGHT LIGHT LAND TITLE COMPANY LLC, BRIGHT LIGHT LAND TTL CO LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,109.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	135 WESTVIEW AVE, 135, VALPARAISO, FL 32580-1388

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1668 COBB RD, BAKER, FL 32531-8136

Mortgage

Document Number	0036501970
Date	Nov 7, 2022
Instrument	3650/1970

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

November 2021: Special Warranty Deed, Construction Loan

Document Type	Special Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Nov 29, 2021
Property Address	1668 COBB RD, BAKER, FL 32531-8136
Document Number	0035893706
Book / Page	3589 / 3706
Instrument Date	Nov 9, 2021
Instrument	3508505
Transaction Type	Construction Loan
Record Updated	Apr 21, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,925.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9990 RICHMOND AVE STE 400, 9990, HOUSTON, TX 77042-4546

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2126 SYKESVILLE RD, WESTMINSTER, MD 21157-7314
Investor	Possibly a Property Investor

Mortgage

Document Number	0035893709
Date	Nov 29, 2021
Instrument	3589/3709

Lender

Name	KIAVI FUNDING INC
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

October 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Oct 29, 2021
Property Address	1668 COBB RD, BAKER, FL 32531-8136
Document Number	0035833309
Book / Page	3583 / 3309
Instrument Date	Oct 27, 2021
Instrument	3500976
Transaction Type	Transfer
Record Updated	Apr 21, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 67, BAKER, FL 32531-0067

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9990 RICHMOND AVE # 400M, 400M, HOUSTON, TX 77042-4559
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of July 1, 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	$117.00 (-97.29%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$507,408 (+5.99%)	$591,582 (+23.57%) Land $65,508 Building $526,074
2023	$4,321.00 (-2.06%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$478,746 (+8.18%) Land $46,893 Building $431,853	$478,746 (+8.18%) Land $46,893 Building $431,853
2022	$4,412.00	$442,553 Land $44,660 Building $397,893	$442,553 Land $44,660 Building $397,893

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
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.

Wildfire

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	0.2% annual chance
Exposure	Direct 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 System	BAKER WATER SYSTEM, INC. serves 2,930 people · EPA ID FL1460043
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6

Cell Coverage

4G LTE (outdoors only), no 5G reported

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