5116 Keyser Mill Rd, Baker, FL 32531 Property Records

Okaloosa County property record for 5116 Keyser Mill Rd, Baker, FL 32531

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,232 sqft · built 2005
Lot Size	5.4 acres (235,660 sqft)
Owner	Individual Name on Record
Last Sale	$309,000 (Mar 2024)
Tax Bill	$1,991 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-598-6286-2`

Property Details

APN / Parcel Number

Primary APN	`C56-000-598-6286-2`
Alternative APN	`19-3N-24-0000-0002-027B`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,232 sqft Heated Area
Gross Area	3,509 sqft
1st Floor Area	1,232 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	235,660 sqft (5.4 acres)
Porch	Open Porch
Porch Area	264 sqft
Patio Area	1,365 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	5116 KEYSER MILL RD
City	BAKER
State	FL
Zip	32531-8354
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM SE COR N 3956.22 FT NW 2109.72 FT TO POB S 485.74 FT W 451.62 FT N 575.21 FT S 77 DEG E 463.45 FT TO POB
Legal Range	24
Legal Township	03N
Legal Section	19
Legal Lot Number	47
Jurisdiction	OKALOOSA FL
Township / Civil Division	BAKER
Census Block Group	3
Census Block	3047
Census Tract	20102

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	5116 KEYSER MILL RD, BAKER, FL 32531-8354
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2024	Warranty Deed, Transfer · VA Mortgage AFI FINANCIAL INC
Nov 23, 2020	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LENDING
Jun 14, 2019	Warranty Deed, Transfer · VA Mortgage CERTAINTY HOME LOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 27, 2024 · Amount on Record
Deed Sale	Mar 27, 2024 · Amount on Record
Prior Sale	Jun 14, 2019 · Amount on Record
Deed Document Number	3678755
Record Updated	Jun 8, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Mar 27, 2024
Property Address	5116 KEYSER MILL RD, BAKER, FL 32531-8354
Document Number	0003678755
Map Reference	MB 2556 PG 575
Instrument Date	Mar 2, 2024
Instrument	3678755
Transaction Type	Transfer
Record Updated	May 15, 2024
Title Company	MOULTON LAND TITLE INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1236 HWY 218 #131131, 131131, NEW BERN, NC 28560

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5116 KEYSER MILL RD, BAKER, FL 32531-8354

Mortgage

Document Number	0003678756
Date	Mar 27, 2024
Instrument	3678756

Lender

Name	AFI FINANCIAL INC
Type	Mortgage Company
Address	42400 W 9 MILE RD # W5, NOVI, MI 48375

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	5116 KEYSER MILL RD, BAKER, FL 32531-8354
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5116 KEYSER MILL RD, BAKER, FL 32531-8354

Mortgage

Document Number	0035071053
Date	Nov 23, 2020
Book Page	3507/1053
Instrument	3409431

Lender

Name	CLEARPATH LENDING
Type	Lending Institution
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jun 14, 2019
Property Address	5116 KEYSER MILL RD, BAKER, FL 32531-8354
Document Number	0034040036
Book / Page	3404 / 0036
Instrument Date	Jun 12, 2019
Instrument	3284606
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	MOULTON LAND TITLE INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,382.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5118 KEYSN MILL RD, 5118, BAKER, FL 32531

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	178 CHRISTY DR, BEULAVILLE, NC 28518-7711

Mortgage

Document Number	0034040037
Date	Jun 14, 2019
Instrument	3404-0037

Lender

Name	CERTAINTY HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

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	$1,991.00 (+89.26%)	$196,898 (+36.49%) Land $35,971 Building $160,927	$196,898 (+14.43%) Land $35,971 Building $160,927
2023	$1,052.00 (-1.77%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$144,256 (+3%)	$172,075 (+7.96%) Land $30,561 Building $141,514
2022	$1,071.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$140,054	$159,393 Land $28,562 Building $130,831

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	9 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 61% of the US · lower than 63% 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.

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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