Okaloosa County property record for 1908 Cotton Creek Rd, Baker, FL 32531
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,997 sqft · built 2006 |
| Lot Size | 5.83 acres (253,955 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,480 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-596-9975-1 |
| Primary APN | C56-000-596-9975-1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,997 sqft Living Area |
| Gross Area | 2,995 sqft |
| 1st Floor Area | 1,997 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 253,955 sqft (5.83 acres) |
| Garage Type | Attached |
| Garage Area | 600 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 398 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1908 COTTON CREEK RD |
|---|---|
| City | BAKER |
| State | FL |
| Zip | 32531-8104 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PARCEL 9 RIVER RD PROJECT PHASE II UNREC AS OR |
| Legal Range | 24W |
| Legal Township | 04N |
| Legal Section | 27 |
| Legal Subdivision | RIVER RD PROJECT PHASE II |
| Legal Phase | 2 |
| Legal Block | 4 |
| Legal Lot Number | 40 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | BAKER |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 20102 |
Source: Okaloosa County records, as of August 27, 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 Record |
|---|---|
| Mailing Address | PO BOX 383, CRESTVIEW, FL 32536-0383 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jan 16, 2007 |
| Transfer Doc | 0027600885 |
| Record Updated | Oct 29, 2026 |
Source: Okaloosa County assessment roll, as of December 31, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Unified School District | Okaloosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,480.00 (+6.55%) Homeowner's exemption | $179,391 (+5.99%) | $278,587 (+5.77%) Land $34,645 Building $243,942 |
| 2023 | $1,389.00 (+2.43%) Homeowner's exemption | $169,257 (+3%) | $263,399 (+8.52%) Land $29,434 Building $233,965 |
| 2022 | $1,356.00 Homeowner's exemption | $164,327 | $242,720 Land $27,509 Building $215,211 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 65% of the US · above 42% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
5G (outdoors only) and 4G LTE
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