1829 Gainer Rd, Baker, FL 32531 Property Records

Okaloosa County property record for 1829 Gainer Rd, Baker, FL 32531 · Last verified July 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	$155,000 (Jun 2020)
Tax Bill	$951 (2025)
Deeds & Mortgages	Jun 2020 Sale & Mortgage Sep 2017 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-596-2513-7`

Property Details

APN / Parcel Number

Primary APN	`C56-000-596-2513-7`
Alternative APNs	`22-3N-24-1200-000H-0150` `24N3221200000H0150`

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
Heating Fuel	Gas

Location & Zoning

Street Address	1829 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 15 BLK H
Legal Range	24W
Legal Township	03N
Legal Section	22
Legal Subdivision	HOMES INV CO ADD
Legal Block	H
Legal Lot Number	15
Jurisdiction	OKALOOSA FL
Township / Civil Division	BAKER
Census Block Group	2
Census Block	2044
Census Tract	20101

Owner

Source: Okaloosa County records · APN C56-000-596-2513-7

Assessment roll updated December 31, 2025 · Last verified July 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	1829 GAINER RD, BAKER, FL 32531-9347
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Jun 01, 2020	Warranty Deed, Transfer · Conventional Mortgage CERTAINTY HOME LOANS LLC
Sep 20, 2017	Quit Claim Deed, Transfer OLD SOUTH LAND TITLE
Aug 14, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage WR STARKEY MORTGAGE LLP

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 01, 2020 · Amount on Record
Deed Sale	Jun 01, 2020 · Amount on Record
Prior Sale	Jun 28, 2013
Deed Document Number	20203361862
Deed Book / Page	3465 / 2861
Last Transfer Date	Apr 11, 2025
Transfer Doc	0003748225
Record Updated	Sep 20, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jun 01, 2020
Property Address	1829 GAINER RD, BAKER, FL 32531-9347
Document Number	0034652861
Book / Page	3465 / 2861
Map Reference	MB 1 PG 11
Instrument Date	May 29, 2020
Instrument	3361862
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,085.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4621 MEADOW LAKE DR, 4621, CRESTVIEW, FL 32539-6376

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1959 DOVE LN, BAKER, FL 32531-8475

Mortgage

Document Number	0034652863
Date	Jun 01, 2020
Instrument	3465/2863

Lender

Name	CERTAINTY HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2050

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OKALOOSA FL
Recording Date	Sep 20, 2017
Property Address	1829 GAINER RD, BAKER, FL 32531-9347
Document Number	0033181372
Book / Page	003318 / 001372
Instrument Date	Sep 11, 2017
Instrument	3161054
Transaction Type	Transfer
Record Updated	Nov 17, 2017
Title Company	OLD SOUTH LAND TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 FOXCHASE WAY CRESTVIEW FL 32536, CRESTVIEW, FL 32536

August 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OKALOOSA FL
Recording Date	Aug 14, 2017
Property Address	1829 GAINER RD, BAKER, FL 32531-9347
Document Number	0033131087
Book / Page	3313 / 1087
Map Reference	MB1 PG11
Instrument Date	Aug 07, 2017
Instrument	3153780
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	233 FOXCHASE WAY, 233, CRESTVIEW, FL 32536-5440

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	233 FOXCHASE WAY, CRESTVIEW, FL 32536-5440

Mortgage

Document Number	0003153781
Date	Aug 14, 2017
Instrument	3153781

Lender

Name	WR STARKEY MORTGAGE LLP
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

Source: Okaloosa County records · Assessment roll updated December 31, 2025 · Last verified July 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	$951.00 (+7.82%)	$123,129 (+5.99%)	$163,117 (+4.85%) Land $9,730 Building $153,387
2023	$882.00 (+3.16%) Homeowner's exemption	$116,174 (+3%)	$155,574 (+8.38%) Land $8,267 Building $147,307
2022	$855.00 Homeowner's exemption	$112,790	$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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