5121 Keyser Mill Rd, Baker, FL 32531 Property Records

Okaloosa County property record for 5121 Keyser Mill Rd, Baker, FL 32531

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,728 sqft · built 2003
Lot Size	1.44 acres (62,726 sqft)
Owner	2 Individual Names on Record
Last Sale	$308,700 (Jul 2026)
Tax Bill	$935 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-595-9312-9`

Property Details

APN / Parcel Number

Primary APN	`C56-000-595-9312-9`
Alternative APNs	`19-3N-24-0000-0002-0450` `24N319000000020450`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,728 sqft Living Area
Gross Area	2,184 sqft
1st Floor Area	1,728 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	62,726 sqft (1.44 acres)
Porch	Open/Unfinished Porch
Porch Area	96 sqft
Patio Area	135 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	5121 KEYSER MILL RD
City	BAKER
State	FL
Zip	32531-8355
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9 COM SE COR N 2128.4 FT S 88 DEG W 1236.17 FT N 78 DEG W 713.43 FT N 772.52 FT S 69 D EG W 185.5 FT TO POB S 69 DEG W 335.05 FT N 233.04 FT N 69 D EG E 258.18 FT S 20 DEG E 220 FT TO POB
Legal Range	24W
Legal Township	03N
Legal Section	19
Legal Block	2
Legal Lot Number	9
Jurisdiction	OKALOOSA FL
Township / Civil Division	BAKER
Census Block Group	2
Census Block	2048
Census Tract	20101

Owner

Source: Okaloosa County records, as of August 13, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	5121 KEYSER MILL RD, BAKER, FL 32531-8355
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2026	Warranty Deed, Transfer · VA Mortgage GUILD MORTGAGE COMPANY
Dec 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2026 · Amount on Record
Deed Sale	Jul 31, 2026 · Amount on Record
Deed Document Number	20263830725
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jul 31, 2026
Property Address	5121 KEYSER MILL RD, BAKER, FL 32531-8355
Document Number	0003830725
Instrument Date	Jul 27, 2026
Instrument	20263830725
Transaction Type	Transfer
Record Updated	Aug 13, 2026
Title Company	OLD SOUTH LAND TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$218,250.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5121 KEYSER MILL RD, BAKER, FL 32531-8355

Mortgage

Document Number	0003830726,
Date	Jul 31, 2026
Instrument	20263830726

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.47%
Max Rate	-1%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	5121 KEYSER MILL RD, BAKER, FL 32531-8355
Document Number	0035130258
Instrument Date	Dec 12, 2020
Transaction Type	Mortgage
Record Updated	Jan 18, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5121 KEYSER MILL RD BAKER FL 325318355, BAKER, FL 32531-8355

Mortgage

Document Number	0035130258
Date	Dec 17, 2020
Book Page	003513/000258
Instrument	3415883

Lender

Name	ROYAL UNITED MTG
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46250

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 16, 2035

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of December 31, 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	$935.00 (+12.79%) Homeowner's exemption	$126,649 (+9.98%)	$203,232 (+8.03%) Land $21,108 Building $182,124
2023	$829.00 (+3.37%) Homeowner's exemption	$115,156 (+3%)	$188,131 (+8.54%) Land $17,933 Building $170,198
2022	$802.00 Homeowner's exemption	$111,802	$173,329 Land $16,760 Building $156,569

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
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 61% of the US · lower than 64% 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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