5032 Galliver Cutoff, Baker, FL 32531 Property Records

Okaloosa County property record for 5032 Galliver Cutoff, Baker, FL 32531

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,864 sqft · built 1985
Lot Size	2.04 acres (88,862 sqft)
Owner	Individual Name on Record
Last Sale	$385,000 (Mar 2023)
Tax Bill	$2,198 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-596-6277-5`

Property Details

APN / Parcel Number

Primary APN	`C56-000-596-6277-5`
Alternative APN	`24-3N-25-0000-0005-0140`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,864 sqft Heated Area
Gross Area	2,064 sqft
1st Floor Area	1,424 sqft
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 2000
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	88,862 sqft (2.04 acres)
Garage Type	Carport
Carport	Carport
Porch	Open Porch
Porch Area	80 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	5032 GALLIVER CUTOFF
City	BAKER
State	FL
Zip	32531-8390
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM SE COR OF SW1/4 W 676.63FT N 16 DEG E 525 FT TO POB N 73 DEG W557.64 FT N 18 DEG E 156. 1 FT S 73 DEG E 552.7 FT S 16 DEG
Legal Range	25
Legal Township	03N
Legal Section	24
Jurisdiction	OKALOOSA FL
Township / Civil Division	BAKER
Census Block Group	2
Census Block	2050
Census Tract	20101

Owner

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

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	5032 GALLIVER CUTOFF, BAKER, FL 32531-8390
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2023	Warranty Deed, Transfer · Conventional Mortgage CHURCHILL MORTGAGE CORP
Nov 23, 2020	Warranty Deed, Transfer · VA Mortgage INTERLINC MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 15, 2023 · Amount on Record
Deed Sale	Mar 15, 2023 · Amount on Record
Prior Sale	Nov 23, 2020 · Amount on Record
Deed Document Number	3611664
Deed Book / Page	3666 / 916
Record Updated	Jun 8, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Mar 15, 2023
Property Address	5032 GALLIVER CTO, BAKER, FL 32531-8390
Document Number	0036660916
Book / Page	3666 / 916
Instrument Date	Mar 14, 2023
Instrument	3611664
Transaction Type	Transfer
Record Updated	Apr 6, 2023
Title Company	NOT AVAILABLE, FOUNDATION T&E SERIES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,695.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3036 TWISTED OAK DR, EGLIN, FL 32542-1441

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5032 GALLIVER CTO, BAKER, FL 32531-8390

Mortgage

Document Number	0003666918
Date	Mar 15, 2023
Instrument	3666/918

Lender

Name	CHURCHILL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2038

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Nov 23, 2020
Property Address	5032 GALLIVER CTO, BAKER, FL 32531-8390
Document Number	0035072723
Book / Page	3507 / 2723
Instrument Date	Oct 29, 2020
Instrument	3409815
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	BRIGHT LIGHT LAND TTL CO LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,715.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	37223 GRAYS AIRPORT RD, 37223, LADY LAKE, FL 32159-5306

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5032 GALLIVER CTO, BAKER, FL 32531-8390

Mortgage

Document Number	0035072725
Date	Nov 23, 2020
Instrument	3507/2725

Lender

Name	INTERLINC MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

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	$2,198.00 (-9.21%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$269,348 (-2.31%) Land $31,196 Building $238,152	$269,348 (-2.31%) Land $31,196 Building $238,152
2023	$2,421.00 (+25.12%)	$275,708 (+38.34%) Land $26,504 Building $249,204	$275,708 (+38.34%) Land $26,504 Building $249,204
2022	$1,935.00	$199,303 Land $24,770 Building $174,533	$199,303 Land $24,770 Building $174,533

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

Flood

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 Record 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 66% of the US · above 43% 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 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
CenturyLink DSL	100 / 10

May also be available: Mediacom Xtream, Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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