Okaloosa County property record for 5164 Kel Ray Ln, Baker, FL 32531
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 946 sqft · built 1935 |
| Lot Size | 0.72 acres (31,361 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $593 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-596-2520-2 |
| Primary APN | C56-000-596-2520-2 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 946 sqft Living Area |
| Gross Area | 1,066 sqft |
| 1st Floor Area | 946 sqft |
| Flooring | Wood |
| Year Built | Built 1935 |
|---|---|
| Effective Year Built | Effective 1935 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 31,361 sqft (0.72 acres) |
| Lot Width | 194 ft Width |
| Porch | Florida Room |
| Porch Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 5164 KEL RAY LN |
|---|---|
| City | BAKER |
| State | FL |
| Zip | 32531-9311 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOME INV CO MILLIGAN LOTS 6 TO 8 & 16 TO 21 INC BLK K RE 5164 KEL-RAY LN |
| Legal Range | 24W |
| Legal Township | 03N |
| Legal Section | 22 |
| Legal Subdivision | HOME INV CO MILLIGAN |
| Legal Block | K |
| Legal Lot Number | 60 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | BAKER |
| Census Block Group | 2 |
| Census Block | 2045 |
| Census Tract | 20101 |
Source: Okaloosa County records, as of December 31, 2025
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 | 5164 KEL RAY LN, BAKER, FL 32531-9311 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Mar 2, 2010 |
| Transfer Doc | 0029261575 |
| Record Updated | Jun 8, 2026 |
Source: Okaloosa County assessment roll, as of December 31, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Unified School District | Okaloosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $593.00 (+9.81%) Homeowner's exemption | $85,510 (+5.99%) | $89,880 (+11.4%) Land $52,544 Building $37,336 |
| 2023 | $540.00 (+25.58%) Homeowner's exemption | $80,680 (+24.86%) Land $44,642 Building $36,038 | $80,680 (+7.53%) Land $44,642 Building $36,038 |
| 2022 | $430.00 Homeowner's exemption | $64,616 | $75,031 Land $41,722 Building $33,309 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 56% of the US · lower than 72% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 78 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable | 1,000 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures