Okaloosa County property record for 5208 Harmony Ln, Baker, FL 32531
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,922 sqft · built 1982 |
| Lot Size | 1.03 acres (44,866 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $65,900 (Sep 1995) |
| Tax Bill | $124 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Sep 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-595-3186-3 |
| Primary APN | C56-000-595-3186-3 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,922 sqft Heated Area |
| Gross Area | 2,564 sqft |
| 1st Floor Area | 396 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1982 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 44,866 sqft (1.03 acres) |
| Lot Width | 229 ft Width |
| Garage Type | Finished |
| Garage Area | 440 sqft |
| Porch | Open Porch |
| Porch Area | 90 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 5208 HARMONY LN |
|---|---|
| City | BAKER |
| State | FL |
| Zip | 32531-8438 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COM SE COR OF NE1/4 OF SW1/4 N 397.08FT TO NLY R/W HWY 4 N 63 DEG W ALG HWY 839.33FT N 5 DEG E 187.55FT TO POB CONT N 5 DEG E |
| Legal Range | 24 |
| Legal Township | 03N |
| Legal Section | 16 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | BAKER |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 20101 |
Source: Okaloosa County records · APN C56-000-595-3186-3
Assessment roll updated July 1, 2025 · Last verified December 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 File |
|---|---|
| Mailing Address | 5208 HARMONY LN, BAKER, FL 32531-8438 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 09, 2021 | Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC |
| Sep 06, 2019 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Jun 16, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 01, 1995 · Amount on Record |
| Deed Sale | Sep 01, 1995 · Amount on Record |
| Deed Document Number | 0019511351 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 5208 HARMONY LN, BAKER, FL 32531-8438 |
| Transaction Type | Mortgage |
| Record Updated | May 19, 2021 |
| Title Company | TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 5208 HARMONY LN, BAKER, FL 32531-8438 |
| Document Number | 0035382022 |
|---|---|
| Date | Apr 09, 2021 |
| Book Page | 3538/2022 |
| Instrument | 3445228 |
| Name | NEW DAY FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | FULTON, MD 20759 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 5208 HARMONY LN, BAKER, FL 32531-8438 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0034173140 |
|---|---|
| Date | Sep 06, 2019 |
| Book Page | 3417/3140 |
| Instrument | 3302963 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | DRAPER, UT 84020 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 329 Months |
| Due | Feb 01, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 5208 HARMONY LN, BAKER, FL 32531-8438 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0034691094 |
|---|---|
| Date | Jun 16, 2020 |
| Book Page | 3469/1094 |
| Instrument | 3366049 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 321 Months |
| Due | Mar 01, 2047 |
Source: Okaloosa County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| 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 | $124.00 (-86.57%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $130,849 (+8.61%) | $209,057 (+6.43%) Land $11,221 Building $197,836 |
| 2023 | $923.00 (+3.01%) Homeowner's exemption | $120,477 (+3%) | $196,419 (+7.04%) Land $6,849 Building $189,570 |
| 2022 | $896.00 Homeowner's exemption | $116,968 | $183,496 Land $8,823 Building $174,673 |
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 | 0.1% 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Communications Cable · Fiber in parts of the area | 1,000 / 50 |
May also be available: Lumen Technologies.
Based on FCC filings for 123 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures