5081 Keyser Mill Rd, Baker, FL 32531 Property Records

Okaloosa County property record for 5081 Keyser Mill Rd, Baker, FL 32531

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,848 sqft · built 2007
Lot Size	12 acres (526,205 sqft)
Owner	Individual Name on Record
Last Sale	$390,000 (Jul 2022)
Tax Bill	$75 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Sep 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-595-9306-1`

Property Details

APN / Parcel Number

Primary APN	`C56-000-595-9306-1`
Alternative APN	`19-3N-24-0000-0002-0370`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,848 sqft Heated Area
Gross Area	2,642 sqft
1st Floor Area	1,848 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	526,205 sqft (12 acres)
Garage Type	Finished
Garage Area	644 sqft
Porch	Open Porch
Porch Area	150 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	5081 KEYSER MILL RD
City	BAKER
State	FL
Zip	32531-5303
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM N ALG E LINE 2128 FT S88 DEG W1236 FT N78 DEG W1271 FT TO POB S1158 FT N77 DEG W402 FT N1625 FT TO S R/W LINE 31 FT NE AL
Legal Range	24
Legal Township	03N
Legal Section	19
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
Co-owner	Co-owner on Record
Mailing Address	5081 KEYSER MILL RD, BAKER, FL 32531-5303
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2022	Warranty Deed, Transfer · VA Mortgage BROKER SOLUTIONS INC
Sep 7, 2021	Warranty Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB
Dec 17, 2019	Deed of Trust, Mortgage · Conventional Mortgage EGLIN FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2022 · Amount on Record
Deed Sale	Jul 14, 2022 · Amount on Record
Prior Sale	Sep 7, 2021 · Amount on Record
Deed Document Number	3564519
Deed Book / Page	3632 / 3687
Record Updated	Jun 8, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jul 14, 2022
Property Address	5081 KEYSER MILL RD, BAKER, FL 32531-5303
Document Number	0036323687
Book / Page	3632 / 3687
Instrument Date	Jul 13, 2022
Instrument	3564519
Transaction Type	Transfer
Record Updated	Aug 9, 2022
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,730.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5081 KEYSER MILL RD, 5081, BAKER, FL 32531-5303

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1158 HIGHWAY 90 W, HOLT, FL 32564-9437

Mortgage

Document Number	0036323689
Date	Jul 14, 2022
Instrument	3632/3689

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Sep 7, 2021
Property Address	5081 KEYSER MILL RD, BAKER, FL 32531-5303
Document Number	0035714186
Book / Page	3571 / 4186
Instrument Date	Sep 1, 2021
Instrument	3486193
Transaction Type	Transfer
Record Updated	Sep 24, 2021
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,611.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5081 KEYSER MILL RD, 5081, BAKER, FL 32531-5303

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	5081 KEYSER MILL RD, BAKER, FL 32531-5303

Mortgage

Document Number	35714188
Date	Sep 7, 2021
Instrument	3571/4188

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	5081 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	0034341270
Date	Dec 17, 2019
Book Page	3434/1270
Instrument	3324996

Lender

Name	EGLIN FCU
Type	Credit Union
Address	FORT WALTON BEACH, FL 32547

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 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	$75.00 (+15.38%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$335,951 (+2.45%)	$344,603 (+5.09%) Land $71,258 Building $273,345
2023	$65.00 (-97.85%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$327,922 (+7.98%) Land $63,622 Building $264,300	$327,922 (+7.98%) Land $63,622 Building $264,300
2022	$3,018.00	$303,699 Land $60,593 Building $243,106	$303,699 Land $60,593 Building $243,106

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 62% of the US · lower than 62% 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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