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1839 Gainer Rd, Baker, FL 32531 Property Records

Okaloosa County property record for 1839 Gainer Rd, Baker, FL 32531 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,358 sqft · built 2008
Lot Size0.172 acres (7,500 sqft)
OwnerIndividual Name on File
Last Sale$235,000 (Nov 2022)
Tax Bill$1,284 (2025)
Deeds & MortgagesNov 2022 Sale & Mortgage
Mar 2017 Loan Modification
Flood ZoneZone X (minimal risk)
APNC56-000-991-0280-8

Property Details

APN / Parcel Number

Primary APNC56-000-991-0280-8
Alternative APN
  • 22-3N-24-1200-000H-0110

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,358 sqft Heated Area
Gross Area1,794 sqft
1st Floor Area624 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2008
Exterior MaterialVinyl
Roof TypeGable/Hip
Roof MaterialWood
Lot Area7,500 sqft (0.172 acres)
Lot Width50 ft Width
Garage Area320 sqft
PorchPorch
Porch Area192 sqft
Patio Area80 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address1839 GAINER RD
CityBAKER
StateFL
Zip32531-9347
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHOME INV CO MILLIGAN LOT 11 BLK H
Legal Range24
Legal Township03N
Legal Section22
Legal SubdivisionHOMES INV CO ADDN
Legal BlockH
Legal Lot Number11
JurisdictionOKALOOSA FL
Township / Civil DivisionBAKER
Census Block Group2
Census Block2044
Census Tract20101

Owner

Source: Okaloosa County records · APN C56-000-991-0280-8

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of RecordIndividual Name on File
Mailing Address1839 GAINER RD, BAKER, FL 32531-9347
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 01, 2022Warranty Deed, Subdivision Related Transfer · VA Mortgage
NAVY FCU
Mar 17, 2017Loan Modification, Mortgage · Conventional with PMI
PEOPLES NAT'L BK

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleNov 01, 2022 · Amount on Record
Deed SaleNov 01, 2022 · Amount on Record
Prior SaleMar 19, 2012 · Amount on Record
Deed Document Number3588321
Deed Book / Page3649 / 2058
Record UpdatedJun 08, 2026

November 2022: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionOKALOOSA FL
Recording DateNov 01, 2022
Property Address1839 GAINER RD, BAKER, FL 32531-9347
Document Number0036492058
Book / Page3649 / 2058
Map ReferenceMB 1 PG 11
Instrument DateOct 28, 2022
Instrument3588321
Transaction TypeSubdivision Related Transfer
Record UpdatedNov 21, 2022
Title CompanyBRIGHT LIGHT LAND TITLE COMPANY LLC, BRIGHT LIGHT LAND TTL CO LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,645.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address304 COUNTRY CLUB DR, 304, CRESTVIEW, FL 32536-8428

Transferred To (Grantee/Buyer)

NameVerified Name
Address1839 GAINER RD, BAKER, FL 32531-9347

Mortgage

Document Number0036492060
DateNov 01, 2022
Instrument3649/2060
Lender
NameNAVY FCU
TypeCredit Union
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueNov 01, 2052

March 2017: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOKALOOSA FL
Property Address1839 GAINER RD, BAKER, FL 32531-9347
Document Number0032922769
Instrument DateMar 17, 2017
Transaction TypeMortgage
Record UpdatedAug 18, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address304 COUNTRY CLUB DR CRESTVIEW FL 325368428, CRESTVIEW, FL 32536-8428

Mortgage

Document Number0032922769
DateMar 24, 2017
Book Page003292/002769
Instrument3125042
Lender
NamePEOPLES NAT'L BK
TypeBank
AddressNICEVILLE, FL 32578
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term36 Months
DueMar 23, 2020

Tax Assessment & Valuation

Source: Okaloosa County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOkaloosa County
Unified School DistrictOkaloosa 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.

YearTax BillAssessed ValueAssessed Market Value
2025$1,284.00 (+2.88%) Homeowner's exemption$158,119 (+2.56%)$161,766 (+4.92%) Land $9,730 Building $152,036
2023$1,248.00 (-10.47%) Homeowner's exemption$154,178 (+8.41%) Land $8,267 Building $145,911$154,178 (+8.41%) Land $8,267 Building $145,911
2022$1,394.00$142,222 Land $7,726 Building $134,496$142,222 Land $7,726 Building $134,496

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 ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 10 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies10 in force

Wildfire

Wildfire RiskModerate
above 56% of the US · above 27% of Florida
Wildfire LikelihoodAbout 1 in 662 per year
ExposureDirect
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

ProviderTechnologyDownload / Upload (Mbps)
Mediacom CommunicationsCable1,000 / 50
T-Mobile USAFixed Wireless100 / 20

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

Mobile Coverage

5G and 4G LTE

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