5198 Ray St, Baker, FL 32531 Property Records

Okaloosa County property record for 5198 Ray St, Baker, FL 32531

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,553 sqft · built 1955
Lot Size	0.77 acres (33,558 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,352 (2025)
Deeds & Mortgages	Dec 2025 Transfer
Flood Zone	Zone X (minimal risk)
APN	`C56-000-596-2503-8`

Property Details

APN / Parcel Number

Primary APN	`C56-000-596-2503-8`
Alternative APN	`22-3N-24-1200-000F-0090`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,553 sqft Heated Area
Gross Area	2,876 sqft
1st Floor Area	1,553 sqft
Flooring	Hardwood
Interior Walls	Plywood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	33,558 sqft (0.77 acres)
Lot Width	250 ft Width
Garage Type	Detached
Garage Area	864 sqft
Porch	Open Porch
Porch Area	120 sqft
Patio Area	339 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	5198 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 9 TO 13 INC BLK F
Legal Range	24
Legal Township	03N
Legal Section	22
Legal Subdivision	HOMES INV CO ADDN
Legal Block	F
Legal Lot Number	9-13
Jurisdiction	OKALOOSA FL
Township / Civil Division	BAKER
Census Block Group	2
Census Block	2017
Census Tract	20101

Owner

Source: Okaloosa County records · APN C56-000-596-2503-8

Assessment roll updated July 1, 2025 · Last verified January 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
Co-owner	2 Verified Secondary Owners
Mailing Address	4267 HORSESHOE LN, HOLT, FL 32564-9545
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	4 Verified Names on Deed
Prior Sale	Jul 23, 2002
Last Transfer Date	Dec 05, 2025
Transfer Doc	0003787347
Record Updated	Jun 08, 2026

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OKALOOSA FL
Recording Date	Dec 05, 2025
Property Address	5198 RAY ST, BAKER, FL 32531-9305
Document Number	0003787347
Map Reference	MB 1 PG 11
Instrument Date	Nov 26, 2025
Instrument	3787347
Transaction Type	Transfer
Record Updated	Dec 24, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4267 HORSESHOE LN, HOLT, FL 32564-9545

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4267 HORSESHOE LN, HOLT, FL 32564-9545

Tax Assessment & Valuation

Source: Okaloosa County records · Assessment roll updated July 1, 2025 · Last verified January 2026

Property Jurisdictions

Type	Name
State	Florida
County	Okaloosa County
Unified School District	Okaloosa County School District (PK - 12)

Tax Bill & Assessment History

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	$1,352.00 (+6.29%)	$129,061 (+6.72%) Land $29,191 Building $99,870	$129,061 (+6.72%) Land $29,191 Building $99,870
2023	$1,272.00 (+6.53%)	$120,930 (+8.02%) Land $24,801 Building $96,129	$120,930 (+8.02%) Land $24,801 Building $96,129
2022	$1,194.00	$111,948 Land $23,178 Building $88,770	$111,948 Land $23,178 Building $88,770

Flood & Wildfire

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

Flood

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

Wildfire Risk	Moderate above 55% of the US · lower than 73% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

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.

Drinking Water

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

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 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.