4963 Galliver Cutoff, Baker, FL 32531 Property Records

Okaloosa County property record for 4963 Galliver Cutoff, Baker, FL 32531

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,786 sqft · built 1978
Lot Size	1.04 acres (45,302 sqft)
Owner	Individual Name on File
Last Sale	$299,900 (Apr 2024)
Tax Bill	$75 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-596-6767-5`

Property Details

APN / Parcel Number

Primary APN	`C56-000-596-6767-5`
Alternative APN	`25-3N-25-0000-0002-0060`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,786 sqft Heated Area
Gross Area	2,084 sqft
1st Floor Area	1,786 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1995
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	45,302 sqft (1.04 acres)
Porch	Open Porch
Porch Area	298 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	4963 GALLIVER CUTOFF
City	BAKER
State	FL
Zip	32531-5337
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG 1614 FT E OF NW COR S1/2 OF NW1/4 E281.87 FT S150 FT W319 FT NE ALG HWY 154.54 FT TO BEG 1127-1972
Legal Range	25
Legal Township	03N
Legal Section	25
Jurisdiction	OKALOOSA FL
Township / Civil Division	BAKER
Census Block Group	2
Census Block	2049
Census Tract	20101

Owner

4963 Galliver Cutoff is owned and occupied by an individual who bought it in April 2024.

Source: Okaloosa County records, as of December 8, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	4963 GALLIVER CUTOFF, BAKER, FL 32531-5337
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2024	Deed of Trust, Mortgage · VA Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Jul 28, 2020	Warranty Deed, Transfer · VA Mortgage UNIVERSITY LENDING GROUP LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 23, 2024 · Amount on File
Deed Sale	Apr 23, 2024 · Amount on File
Prior Sale	Jul 28, 2020 · Amount on File
Deed Document Number	3683637
Record Updated	Jun 8, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4963 GALLIVER CTO, BAKER, FL 32531-5337
Transaction Type	Mortgage
Record Updated	May 21, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	116 BRENTWOOD LN, CRESTVIEW, FL 32539

Mortgage

Document Number	0003683638
Date	Apr 23, 2024
Instrument	3683638

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company
Address	5160 TENNYSON PKWY STE 1000, PLANO, TX 75024

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jul 28, 2020
Property Address	4963 GALLIVER CTO, BAKER, FL 32531-5337
Document Number	0034782858
Book / Page	3478 / 2858
Instrument Date	Jul 28, 2020
Instrument	3376715
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	PRATT AYCOCK TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,434.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	102 W EDNEY AVE, 102, CRESTVIEW, FL 32536-4122

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4963 GALLIVER CTO, BAKER, FL 32531-5337

Mortgage

Document Number	0034782860
Date	Jul 28, 2020
Instrument	3478/2860

Lender

Name	UNIVERSITY LENDING GROUP LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 4963 Galliver Cutoff was $75 with exemptions applied.

Source: Okaloosa County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Okaloosa County
Unified School District	Okaloosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$75.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$204,229 Land $17,854 Building $186,375	$204,229 Land $17,854 Building $186,375
2023	$1,823.00 (+7.74%)	$194,491 (+8.46%) Land $15,169 Building $179,322	$194,491 (+8.46%) Land $15,169 Building $179,322
2022	$1,692.00	$179,328 Land $14,176 Building $165,152	$179,328 Land $14,176 Building $165,152

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4963 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

Wildfire risk around 4963 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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