Okaloosa County property record for 5178 Ray St, Baker, FL 32531
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,230 sqft · built 1953 |
| Lot Size | 0.31 acres (13,498 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $190,000 (Mar 2023) |
| Tax Bill | $1,120 (2025) |
| Deeds & Mortgages | Mar 2023 Sale & Mortgage Jan 2017 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-596-2526-9 |
| Primary APN | C56-000-596-2526-9 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,230 sqft Living Area |
| Gross Area | 1,793 sqft |
| 1st Floor Area | 1,230 sqft |
| Flooring | Carpet |
| Interior Walls | Wood |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 13,498 sqft (0.31 acres) |
| Lot Width | 100 ft Width |
| Porch | Finished/Open Porch |
| Porch Area | 563 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 5178 RAY ST |
|---|---|
| City | BAKER |
| State | FL |
| Zip | 32531-9305 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOME INV CO MILLIGAN LOTS 1 TO 6 BLK L |
| Legal Range | 24W |
| Legal Township | 03N |
| Legal Section | 22 |
| Legal Subdivision | HOME INV CO MILLIGAN |
| Legal Block | L |
| Legal Lot Number | 50 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | BAKER |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 20101 |
Source: Okaloosa County records · APN C56-000-596-2526-9
Assessment roll updated December 31, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 5178 RAY ST, BAKER, FL 32531-9305 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Mar 15, 2023 | Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Jan 06, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 15, 2023 · Amount on Record |
| Deed Sale | Mar 15, 2023 · Amount on Record |
| Deed Document Number | 20233611843 |
| Deed Book / Page | 3666 / 1385 |
| Prior Transfer Date | Jan 05, 2017 |
| Prior Transfer Doc | 0032823744 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Mar 15, 2023 |
| Property Address | 5178 RAY ST, BAKER, FL 32531-9305 |
| Document Number | 0036661385 |
| Book / Page | 3666 / 1385 |
| Map Reference | MB 1 PG 11 |
| Instrument Date | Mar 10, 2023 |
| Instrument | 3611843 |
| Transaction Type | Transfer |
| Record Updated | Apr 06, 2023 |
| Title Company | MOULTON LAND TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,330.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6952 HIGHWAY 4 W, BAKER, FL 32531-8220 |
| Name | Verified Name |
|---|---|
| Address | 5178 RAY ST, BAKER, FL 32531-9305 |
| Document Number | 0036661387 |
|---|---|
| Date | Mar 15, 2023 |
| Book Page | 3666/1387 |
| Instrument | 3611844 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | CARROLLTON, TX 75007 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2053 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jan 06, 2017 |
| Property Address | 5178 RAY ST, BAKER, FL 32531-9305 |
| Document Number | 0032823744 |
| Book / Page | 003282 / 003744 |
| Instrument Date | Jan 05, 2017 |
| Instrument | 3110846 |
| Transaction Type | Transfer |
| Record Updated | Jan 24, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 5178 RAY ST BAKER FL 325319305, BAKER, FL 32531-9305 |
Source: Okaloosa County records · Assessment roll updated December 31, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Unified School District | Okaloosa County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,120.00 (-19.83%) Homeowner's exemption | $140,828 (+5.17%) | $145,898 (+8.95%) Land $60,329 Building $85,569 |
| 2023 | $1,397.00 (+279.62%) | $133,910 (+149.64%) Land $51,255 Building $82,655 | $133,910 (+46.11%) Land $51,255 Building $82,655 |
| 2022 | $368.00 Homeowner's exemption | $53,641 | $91,650 Land $15,452 Building $76,198 |
Source: FEMA National Flood Hazard Layer, Okaloosa County (12091C), updated March 8, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120910201012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 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 |
| Wildfire Risk | Moderate above 56% of the US · lower than 72% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 78 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Communications Cable | 1,000 / 50 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | MILLIGAN WATER SYSTEM, INC. private · serves 2,450 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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