Okaloosa County property record for 5186 Ray St, Baker, FL 32531
| Property Type | Mobile Home |
|---|---|
| Details | 3 bd · 2 ba · 1,110 sqft · built 2023 |
| Lot Size | 0.321 acres (13,966 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,426 (2025) |
| Deeds & Mortgages | Aug 2023 Line of Credit Jun 2022 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-596-2507-9 |
| Primary APN | C56-000-596-2507-9 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,110 sqft Living Area |
| 1st Floor Area | 1,110 sqft |
| Flooring | Vinyl/Resilient |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Architectural Style | Mobile Home |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 13,966 sqft (0.321 acres) |
| Lot Width | 100 ft Width |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 5186 RAY ST |
|---|---|
| City | BAKER |
| State | FL |
| Zip | 32531-9305 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Legal Description | HOME INV CO MILLIGAN LOTS 11 & 12 BLK G |
| Legal Range | 24W |
| Legal Township | 03N |
| Legal Section | 22 |
| Legal Subdivision | HOME INV CO MILLIGAN |
| Legal Block | G |
| Legal Lot Number | 110 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | BAKER |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 20101 |
Source: Okaloosa County records · APN C56-000-596-2507-9
Assessment roll updated December 31, 2025 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5186 RAY ST, BAKER, FL 32531-9305 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Aug 15, 2023 | Deed of Trust, Mortgage · Line of Credit FIRSTBANK |
| Jun 17, 2022 | Quit Claim Deed, Transfer Quitclaim |
| Jan 06, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Transfer Date | Jun 09, 2022 |
| Transfer Doc | 0003558351 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 5186 RAY ST, BAKER, FL 32531-9305 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2024 |
| Name | Verified Name |
|---|---|
| Address | 4370 HORSESHOE LN, HOLT, FL 32564-9553 |
| Document Number | 0036874245 |
|---|---|
| Date | Aug 15, 2023 |
| Book Page | 3687/4245 |
| Instrument | 3641506 |
| Name | FIRSTBANK |
|---|---|
| Type | Bank |
| Address | ASHEBORO, NC 27203 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 08, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jun 17, 2022 |
| Property Address | 5186 RAY ST, BAKER, FL 32531-9305 |
| Document Number | 0036281492 |
| Book / Page | 3628 / 1492 |
| Instrument Date | Jun 09, 2022 |
| Instrument | 3558351 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5178 RAY ST, BAKER, FL 32531-9305 |
| Name | Verified Name |
|---|---|
| Address | 5178 RAY ST, BAKER, FL 32531-9305 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jan 06, 2017 |
| Property Address | RAY ST, BAKER, FL 32531 |
| 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 August 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Unified School District | Okaloosa County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,426.00 (+724.28%) | $136,879 (+727.86%) Land $18,188 Building $118,691 | $136,879 (+727.86%) Land $18,188 Building $118,691 |
| 2023 | $173.00 (+5.49%) | $16,534 (+7%) Land $16,534 | $16,534 (+7%) Land $16,534 |
| 2022 | $164.00 | $15,452 Land $15,452 | $15,452 Land $15,452 |
Source: FEMA National Flood Hazard Layer as of March 8, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · 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 as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Communications Cable | 1,000 / 50 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 78 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of 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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