1831 Gainer Rd, Baker, FL 32531 Property Records

Okaloosa County property record for 1831 Gainer Rd, Baker, FL 32531 · Last verified May 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	2 Individual Names on File
Last Sale	$167,500 (Apr 2021)
Tax Bill	$1,676 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Jan 2026 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`C56-001-097-6785-5`

Property Details

APN / Parcel Number

Primary APN	`C56-001-097-6785-5`
Alternative APNs	`22-3N-24-1200-000H-0140` `24N3221200000H0140`

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	1831 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 14 BLK H
Legal Range	24W
Legal Township	03N
Legal Section	22
Legal Subdivision	THE HOME INVESTMENT CO ADDITION
Legal Block	H
Legal Lot Number	14
Jurisdiction	OKALOOSA FL
Township / Civil Division	BAKER
Census Block Group	2
Census Block	2044
Census Tract	20101

Owner

Source: Okaloosa County records · APN C56-001-097-6785-5

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

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

Owner of Record	2 Individual Names on File
Mailing Address	1831 GAINER RD, BAKER, FL 32531-9347
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 09, 2026	Intrafamily Transfer, Transfer
Apr 12, 2021	Warranty Deed, Transfer · VA Mortgage MORTGAGE ONE OF THE SOUTH INC
Apr 13, 2020	Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO
Sep 20, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage WR STARKEY MORTGAGE LLP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 12, 2021 · Amount on Record
Deed Sale	Apr 12, 2021 · Amount on Record
Prior Sale	Apr 13, 2020 · Amount on Record
Deed Document Number	20213445636
Deed Book / Page	3538 / 4278
Prior Transfer Date	Sep 11, 2017
Prior Transfer Doc	0033181372
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Recording Date	Apr 30, 2026
Property Address	1831 GAINER RD, BAKER, FL 32531-9347
Document Number	0003813863
Instrument Date	Apr 25, 2026
Instrument	20263813863
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	ROCKET MORTGAGE LLC

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1831 GAINER RD, BAKER, FL 32531-9347
Investor	Possibly a Property Investor

Mortgage

Document Number	0003813863,
Date	Apr 30, 2026
Instrument	20263813863

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 01, 2046

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OKALOOSA FL
Recording Date	Jan 09, 2026
Property Address	1831 GAINER RD, BAKER, FL 32531-9347
Document Number	0003792697
Instrument Date	Dec 18, 2025
Instrument	3792697
Transaction Type	Transfer
Record Updated	Jan 28, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1831 GAINER RD, BAKER, FL 32531-9347

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1831 GAINER RD, BAKER, FL 32531-9347

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Apr 12, 2021
Property Address	1831 GAINER RD, BAKER, FL 32531-9347
Document Number	0035384278
Book / Page	3538 / 4278
Map Reference	MB 1 PG 11
Instrument Date	Mar 22, 2021
Instrument	3445636
Transaction Type	Transfer
Record Updated	Jan 28, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,172.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1831 GAINER RD, BAKER, FL 32531-9347

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1831 GAINER RD, BAKER, FL 32531-9347

Mortgage

Document Number	0035384280
Date	Apr 12, 2021
Instrument	3538/4280

Lender

Name	MORTGAGE ONE OF THE SOUTH INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2051

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Apr 13, 2020
Property Address	1831 GAINER RD, BAKER, FL 32531-9347
Document Number	0034554127
Book / Page	3455 / 4127
Map Reference	MB 1 PG 11
Instrument Date	Feb 28, 2020
Instrument	3351311
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,081.50
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	1831 GAINER RD, BAKER, FL 32531-9347

Mortgage

Document Number	0034554129
Date	Apr 13, 2020
Instrument	3455/4129

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Mar 01, 2050

September 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OKALOOSA FL
Recording Date	Sep 20, 2017
Property Address	1831 GAINER RD, BAKER, FL 32531-9347
Document Number	0033181372
Book / Page	3318 / 1372
Map Reference	MB1 PG11
Instrument Date	Sep 11, 2017
Instrument	3161054
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	0003161055
Date	Sep 20, 2017
Instrument	3161055

Lender

Name	WR STARKEY MORTGAGE LLP
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

Source: Okaloosa County records · Assessment roll updated December 31, 2025 · Last verified May 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 (+6.92%)	$155,574 (+8.38%) Land $8,267 Building $147,307	$155,574 (+8.38%) Land $8,267 Building $147,307
2022	$1,502.00	$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

Nearby Properties on Gainer Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures