Okaloosa County property record for 4940 Galliver Cutoff, Baker, FL 32531
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,132 sqft · built 1981 |
| Lot Size | 6.19 acres (270,072 sqft) |
| Owner | 2 Owner Names on File |
| Tax Bill | $1,331 (2025) |
| Deeds & Mortgages | Jan 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-596-6765-9 |
| Primary APN | C56-000-596-6765-9 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,132 sqft Heated Area |
| Gross Area | 3,268 sqft |
| 1st Floor Area | 2,132 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1981 |
|---|---|
| Exterior Material | Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 270,072 sqft (6.19 acres) |
| Garage Type | Unfinished |
| Garage Area | 624 sqft |
| Porch | Open Porch |
| Porch Area | 252 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 4940 GALLIVER CUTOFF |
|---|---|
| City | BAKER |
| State | FL |
| Zip | 32531-5336 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BEG 654 FT N & 630 FT E OF SW COR NW1/4 N327 FT E 838.95 FT SW ALG HY 336 FT W741.9 FT TO BEG AS OR |
| Legal Range | 25 |
| Legal Township | 03N |
| Legal Section | 25 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | BAKER |
| Census Block Group | 2 |
| Census Block | 2050 |
| Census Tract | 20101 |
The current owner of 4940 Galliver Cutoff acquired it in September 1997.
Source: Okaloosa County records, as of December 8, 2025
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 4940 GALLIVER CUTOFF, BAKER, FL 32531-5336 |
| Occupancy | Owner Occupied |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Sep 2, 1997 |
| Transfer Doc | 0020941142 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 4940 GALLIVER CTO, BAKER, FL 32531-5336 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 4940 GALLIVER CTO, BAKER, FL 32531-5336 |
| Document Number | 0035170015 |
|---|---|
| Date | Jan 7, 2021 |
| Book Page | 3517/15 |
| Instrument | 3420313 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35211 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Dec 5, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 4940 Galliver Cutoff was $1,331 with a homeowner's exemption.
Source: Okaloosa County assessment roll, as of July 1, 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 | $1,331.00 Homeowner's exemption | $168,175 | $303,289 Land $55,307 Building $247,982 |
| 2023 | $1,187.00 (+2.95%) Homeowner's exemption | $152,260 (+3%) | $281,148 (+7.85%) Land $46,989 Building $234,159 |
| 2022 | $1,153.00 Homeowner's exemption | $147,825 | $260,676 Land $43,915 Building $216,761 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4940 Galliver Cutoff in Zone X, an area of minimal flood risk.
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 |
| Flood Insurance Cost | Premium on File median of 10 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 10 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.
Wildfire risk around 4940 Galliver Cutoff is moderate, ranking above 60% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 60% of the US · lower than 66% 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 | HOLT WATER WORKS, INC. serves 2,582 people · EPA ID FL1460352 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2023 |
| Lead | 4 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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 49 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable | 1,000 / 50 |
May also be available: Verizon.
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