5287 Galliver Cutoff, Baker, FL 32531 Property Records

Okaloosa County property record for 5287 Galliver Cutoff, Baker, FL 32531

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,465 sqft · built 2022
Lot Size	1.07 acres (46,760 sqft)
Owner	Individual Name on File
Last Sale	$560,000 (Dec 2022)
Tax Bill	$117 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Sep 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`C56-000-594-4206-1`

Property Details

APN / Parcel Number

Primary APN	`C56-000-594-4206-1`
Alternative APN	`13-3N-25-2608-0000-0170`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,465 sqft Heated Area
Gross Area	3,600 sqft
Flooring	Concrete/Cement
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Wood
Lot Area	46,760 sqft (1.07 acres)
Garage Type	Finished
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	5287 GALLIVER CUTOFF
City	BAKER
State	FL
Zip	32531-8395
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WALKER ESTATES LOT 17
Legal Range	25
Legal Township	03N
Legal Section	13
Legal Subdivision	WALKER ESTATES
Legal Lot Number	17
Jurisdiction	OKALOOSA FL
Township / Civil Division	BAKER
Census Block Group	3
Census Block	3046
Census Tract	20102

Owner

5287 Galliver Cutoff is owned and occupied by an individual who bought it in December 2022.

Source: Okaloosa County records, as of December 8, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	5287 GALLIVER CUTOFF, BAKER, FL 32531-8395
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2022	Warranty Deed, Transfer · VA Mortgage NAVY FCU
Sep 22, 2020	Warranty Deed, Transfer MOULTON LAND TITLE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 16, 2022 · Amount on File
Deed Sale	Dec 16, 2022 · Amount on File
Prior Sale	Sep 22, 2020 · Amount on File
Deed Document Number	3596394
Deed Book / Page	3655 / 813
Record Updated	Jun 8, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Dec 16, 2022
Property Address	5287 GALLIVER CTO, BAKER, FL 32531-8395
Document Number	0036550813
Book / Page	3655 / 813
Map Reference	MB 9 PG 21&22
Instrument Date	Dec 12, 2022
Instrument	3596394
Transaction Type	Transfer
Record Updated	Jan 3, 2023
Title Company	KNIGHT BARRY TITLE SOLUTIONS INC, KNIGHT BARRY TITLE SLN INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,920.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5384 HIGHWAY 4, BAKER, FL 32531-8423

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5287 GALLIVER CTO, BAKER, FL 32531-8395

Mortgage

Document Number	0003655815
Date	Dec 16, 2022
Instrument	3655/815

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Sep 22, 2020
Property Address	5287 GALLIVER CTO, BAKER, FL 32531-8395
Document Number	0034925006
Book / Page	003492 / 005006
Instrument Date	Sep 17, 2020
Instrument	3392138
Transaction Type	Transfer
Record Updated	Oct 21, 2020
Title Company	MOULTON LAND TITLE INC

Transaction

Amount	Amount on Record
Tax	$350.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 463 CRESTVIEW FL 325360463, CRESTVIEW, FL 32536-0463

Tax Assessment & Valuation

The 2025 property tax bill for 5287 Galliver Cutoff was $117 with exemptions applied.

Source: Okaloosa County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$117.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$487,877	$500,113 Land $27,732 Building $472,381
2023	$4,282.00 (+1,837.56%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$474,736 (+2,055.93%) Land $23,561 Building $451,175	$474,736 (+2,055.93%) Land $23,561 Building $451,175
2022	$221.00	$22,020 Land $22,020	$22,020 Land $22,020

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 5287 Galliver Cutoff in Zone X, an area of minimal flood risk.

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	9 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.

Wildfire

Wildfire risk around 5287 Galliver Cutoff is moderate, ranking above 65% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 65% of the US · above 43% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HOLT WATER WORKS, INC. serves 2,582 people · EPA ID FL1460352
Water Source	Groundwater
Last State Inspection	Jul 2023
Lead	4 ppb (2023) 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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

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