1827 Gainer Rd, Baker, FL 32531 Property Records

Okaloosa County property record for 1827 Gainer Rd, Baker, FL 32531 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,214 sqft · built 2017
Lot Size	0.161 acres (7,000 sqft)
Owner	Individual Name on File
Last Sale	$205,000 (Jun 2026)
Tax Bill	$1,676 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Dec 2022 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`C56-001-097-6786-3`

Property Details

APN / Parcel Number

Primary APN	`C56-001-097-6786-3`
Alternative APNs	`22-3N-24-1200-000H-0160` `24N3221200000H0160`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,214 sqft Living Area
Gross Area	1,728 sqft
1st Floor Area	1,214 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	7,000 sqft (0.161 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	345 sqft
Porch	Finished/Open Porch
Porch Area	169 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1827 GAINER RD
City	BAKER
State	FL
Zip	32531-9347
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOME INV CO OF MILLIGAN LOT 16 BLK H
Legal Range	24W
Legal Township	03N
Legal Section	22
Legal Subdivision	THE HOME INVESTMENT COMPANY ADDITION
Legal Block	H
Legal Lot Number	16
Jurisdiction	OKALOOSA FL
Township / Civil Division	BAKER
Census Block Group	2
Census Block	2044
Census Tract	20101

Owner

Source: Okaloosa County records · APN C56-001-097-6786-3

Assessment roll updated December 31, 2025 · Last verified June 2026

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

Owner of Record	Individual Name on File
Mailing Address	10000 BELLBROOK RD, MILTON, FL 32583-9302
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Jun 08, 2026	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CTR
Dec 01, 2022	Warranty Deed, Transfer CHAMPIONSHIP TITLE AGENCY LLC, CHAMPIONSHIP TITLE AGCY LLC
Mar 26, 2021	Warranty Deed, Transfer · USDA Mortgage PRIMARY RESIDENTIAL MORTGAGE INC
Dec 29, 2020	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB
Dec 27, 2019	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BK
Jul 11, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage WR STARKEY MORTGAGE LLP

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 08, 2026 · Amount on Record
Deed Sale	Jun 08, 2026 · Amount on Record
Prior Sale	Dec 01, 2022 · Amount on Record
Deed Document Number	20263821178
Prior Transfer Date	Jul 07, 2017
Prior Transfer Doc	0033073637
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jun 08, 2026
Property Address	1827 GAINER RD, BAKER, FL 32531-9347
Document Number	0003821178
Instrument Date	Jun 05, 2026
Instrument	20263821178
Transaction Type	Transfer
Record Updated	Jun 17, 2026
Title Company	SETCO SERVICES LLC, SETCO SERVICES LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$144,935.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10000 BELLBROOK RD, MILTON, FL 32583-9302

Mortgage

Document Number	0003821179,
Date	Jun 08, 2026
Instrument	20263821179

Lender

Name	MORTGAGE RESEARCH CTR

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.23%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Dec 01, 2022
Property Address	1827 GAINER RD, BAKER, FL 32531-9347
Document Number	0036530536
Book / Page	3653 / 536
Map Reference	MB 1 PG 11
Instrument Date	Nov 30, 2022
Instrument	3593523
Transaction Type	Transfer
Record Updated	Dec 30, 2022
Title Company	CHAMPIONSHIP TITLE AGENCY LLC, CHAMPIONSHIP TITLE AGCY LLC

Transaction

Amount	Amount Recorded
Tax	$1,610.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6385 COUNTY LINE RD, BAKER, FL 32531-8211

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1827 GAINER RD, BAKER, FL 32531-9347

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Mar 26, 2021
Property Address	1827 GAINER RD, BAKER, FL 32531-9347
Document Number	0035350680
Book / Page	3535 / 680
Map Reference	MB 1 PG 11
Instrument Date	Mar 19, 2021
Instrument	3441372
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,260.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1827 GAINER RD, 1827, BAKER, FL 32531-9347

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6343 COUNTY LINE RD, BAKER, FL 32531-8211

Mortgage

Document Number	0003535682
Date	Mar 26, 2021
Instrument	3535/682

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2051

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	1827 GAINER RD, BAKER, FL 32531-9347
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1827 GAINER RD, BAKER, FL 32531-9347

Mortgage

Document Number	0035144127
Date	Dec 29, 2020
Book Page	3514/4127
Instrument	3417794

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Jan 01, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	1827 GAINER RD, BAKER, FL 32531-9347
Instrument Date	Dec 27, 2019
Transaction Type	Mortgage
Record Updated	Feb 06, 2020
Title Company	SETCO SERVICES LLC, SETCO SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1423 VINSON RAY RD BAKER FL 325317901, BAKER, FL 32531-7901

Mortgage

Document Number	34371957
Date	Jan 08, 2020
Book Page	003437/001957
Instrument	3328748

Lender

Name	FLAGSTAR BK
Type	Bank
Address	TROY, MI 48098-2639

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 07, 2050

July 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OKALOOSA FL
Recording Date	Jul 11, 2017
Property Address	1827 GAINER RD, BAKER, FL 32531-9347
Document Number	0033073637
Book / Page	3307 / 3637
Map Reference	MB1 PG11
Instrument Date	Jul 07, 2017
Instrument	3146379
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	OLD SOUTH LAND TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4625 MEADOW LAKE DR, 4625, CRESTVIEW, FL 32539-6376

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1862 BAYSHORE DRIVE, CRESTVIEW, FL 32536

Mortgage

Document Number	0003146380
Date	Jul 11, 2017
Instrument	3146380

Lender

Name	WR STARKEY MORTGAGE LLP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2047

Tax Assessment & Valuation

Source: Okaloosa County records · Assessment roll updated December 31, 2025 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Florida
County	Okaloosa County
Unified School District	Okaloosa County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,676.00 (+4.36%)	$163,117 (+4.85%) Land $9,730 Building $153,387	$163,117 (+4.85%) Land $9,730 Building $153,387
2023	$1,606.00 (+39.05%)	$155,574 (+8.38%) Land $8,267 Building $147,307	$155,574 (+8.38%) Land $8,267 Building $147,307
2022	$1,155.00 Homeowner's exemption	$143,547 Land $7,726 Building $135,821	$143,547 Land $7,726 Building $135,821

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Okaloosa County (12091C), updated March 8, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120910201012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 10 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	10 in force

Wildfire

Wildfire Risk	Moderate above 56% of the US · above 27% of Florida
Wildfire Likelihood	About 1 in 662 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 78 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Mediacom Communications	Cable	1,000 / 50
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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