5045 Keyser Mill Rd, Baker, FL 32531 Property Records

Okaloosa County property record for 5045 Keyser Mill Rd, Baker, FL 32531

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,353 sqft · built 2015
Lot Size	1.19 acres (51,836 sqft)
Owner	Individual Name on Record
Last Sale	$279,900 (Jul 2024)
Tax Bill	$2,163 (2025)
Deeds & Mortgages	Jan 2020 Mortgage Oct 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-595-9310-3`

Property Details

APN / Parcel Number

Primary APN	`C56-000-595-9310-3`
Alternative APN	`19-3N-24-0000-0002-0430`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,353 sqft Heated Area
Gross Area	1,865 sqft
1st Floor Area	1,353 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	51,836 sqft (1.19 acres)
Lot Dimensions	228 ft deep x 224 ft wide
Garage Type	Finished
Garage Area	348 sqft
Porch	Open Porch
Porch Area	164 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	5045 KEYSER MILL RD
City	BAKER
State	FL
Zip	32531-5303
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 76-B COM SE COR W 4198.48 FT N 667 FT S 77 DEG E 1251.69 FT N 1397.36 FT TO POB S71 DEG W 224.95 FT N 228.61 FT N 72 DEG
Legal Range	24
Legal Township	03N
Legal Section	19
Legal Lot Number	76-B
Jurisdiction	OKALOOSA FL
Township / Civil Division	BAKER
Census Block Group	2
Census Block	2048
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
Mailing Address	5045 KEYSER MILL RD, BAKER, FL 32531-5303
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Oct 9, 2020	Warranty Deed, Transfer · Conventional Mortgage AMERIS BANK
Dec 28, 2018	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LNS
Dec 19, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2024 · Amount on Record
Deed Sale	Jul 1, 2024 · Amount on Record
Prior Sale	Oct 9, 2020 · Amount on Record
Deed Document Number	3696813
Record Updated	Jun 8, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	5045 KEYSER MILL RD, BAKER, FL 32531-5303
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0034372252
Date	Jan 8, 2020
Book Page	3437/2252
Instrument	3328836

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2050

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Oct 9, 2020
Property Address	5045 KEYSER MILL RD, BAKER, FL 32531-5303
Document Number	0034973890
Book / Page	3497 / 3890
Instrument Date	Oct 5, 2020
Instrument	3397538
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	OLD SOUTH LAND TITLE INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,330.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 103, BAKER, FL 32531-0103

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5045 KEYSER MILL RD, BAKER, FL 32531-5303

Mortgage

Document Number	0034973892
Date	Oct 9, 2020
Instrument	3497/3892

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Dec 28, 2018
Property Address	5045 KEYSER MILL RD, BAKER, FL 32531-5303
Document Number	0033794504
Book / Page	003379 / 004504
Instrument Date	Dec 27, 2018
Instrument	3250808
Transaction Type	Transfer
Record Updated	Jan 14, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,204.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6503 GRIFFIN VALLEY LN MC CALLA AL 351113854, MC CALLA, AL 35111-3854

Mortgage

Document Number	33794506
Date	Dec 28, 2018
Book Page	003379/004506
Instrument	3250809

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 27, 2048

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Dec 19, 2017
Property Address	5045 KEYSER MILL RD, BAKER, FL 32531-5303
Document Number	0033301587
Book / Page	003330 / 001587
Instrument Date	Dec 15, 2017
Instrument	3178509
Transaction Type	Transfer
Record Updated	Jan 5, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1,029.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	5045 KEYSER MILL RD BAKER FL 325315303, BAKER, FL 32531-5303

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	$2,163.00 (+86.95%)	$219,415 (+47.13%) Land $17,443 Building $201,972	$219,415 (+5.13%) Land $17,443 Building $201,972
2023	$1,157.00 (+3.03%) Homeowner's exemption	$149,135 (+3%)	$208,718 (+8.62%) Land $14,820 Building $193,898
2022	$1,123.00 Homeowner's exemption	$144,791	$192,162 Land $13,850 Building $178,312

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 59% of the US · lower than 67% 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	MILLIGAN WATER SYSTEM, INC. private · serves 2,450 people · EPA ID FL1460472
Water Source	Groundwater
Last State Inspection	Jan 2026
Lead	1 ppb (2024) 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 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
CenturyLink DSL	60 / 5

May also be available: AT&T.

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