Okaloosa County property record for 5290 Old River Rd, Baker, FL 32531
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 4,464 sqft · built 2018 |
| Lot Size | 3 acres (130,680 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $775,000 (Sep 2024) |
| Tax Bill | $6,917 (2025) |
| Deeds & Mortgages | Jan 2026 Transfer Mar 2022 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-001-102-0104-3 |
| Primary APN | C56-001-102-0104-3 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 4,464 sqft Living Area |
| Gross Area | 6,256 sqft |
| 1st Floor Area | 4,464 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Wood |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Wood |
| Lot Area | 130,680 sqft (3 acres) |
| Garage Type | Attached |
| Garage Area | 600 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 688 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 5290 OLD RIVER RD |
|---|---|
| City | BAKER |
| State | FL |
| Zip | 32531-9499 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COM NW COR OF NE1/4 OF SW1/4 S 202.5FT TO POB E 339FT TO R/W S ALG R/W 344.72FT W 321.5FT N 344.24FT TO POB |
| Legal Range | 24W |
| Legal Township | 03N |
| Legal Section | 15 |
| Legal Block | 34 |
| Legal Lot Number | 10 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | BAKER |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 20101 |
Source: Okaloosa County records · APN C56-001-102-0104-3
Assessment roll updated December 31, 2025 · Last verified July 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 | 5290 OLD RIVER RD, BAKER, FL 32531-9499 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Jan 14, 2026 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Mar 29, 2022 | Warranty Deed, Transfer · Conventional Mortgage SIRVA MORTGAGE INC |
| May 29, 2018 | Deed of Trust, Mortgage · Construction Mortgage ONE SOUTH BANK |
| Jul 29, 2019 | Loan Modification, Mortgage ONE FLORIDA BK |
| Dec 06, 2018 | Loan Modification, Mortgage ONE SOUTH BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 19, 2024 · Amount on Record |
| Deed Sale | Sep 19, 2024 · Amount on Record |
| Prior Sale | Mar 29, 2022 · Amount on Record |
| Deed Document Number | 20243712252 |
| Last Transfer Date | Jan 09, 2026 |
| Transfer Doc | 0003793499 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jan 14, 2026 |
| Property Address | 5290 OLD RIVER RD, BAKER, FL 32531-9499 |
| Document Number | 0003793499 |
| Instrument Date | Jan 09, 2026 |
| Instrument | 3793499 |
| Transaction Type | Transfer |
| Record Updated | Feb 03, 2026 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5290 OLD RIVER RD, BAKER, FL 32531-9499 |
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 5290 OLD RIVER RD, BAKER, FL 32531-9499 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Mar 29, 2022 |
| Property Address | 5290 OLD RIVER RD, BAKER, FL 32531-9499 |
| Document Number | 0036130263 |
| Book / Page | 3613 / 263 |
| Instrument Date | Mar 25, 2022 |
| Instrument | 3538220 |
| Transaction Type | Transfer |
| Record Updated | May 02, 2022 |
| Title Company | NOT AVAILABLE, BRADLEY TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,005.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5290 OLD RIVER RD, 5290, BAKER, FL 32531-9499 |
| Name | Verified Name |
|---|---|
| Address | 4893 SW 4TH CIR, OCALA, FL 34471-7434 |
| Document Number | 0003613265 |
|---|---|
| Date | Mar 29, 2022 |
| Instrument | 3613/265 |
| Name | SIRVA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 5290 OLD RIVER RD, BAKER, FL 32531-9499 |
| Transaction Type | Mortgage |
| Record Updated | Feb 07, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0033514634 |
|---|---|
| Date | May 29, 2018 |
| Book Page | 3351/4634 |
| Instrument | 3209693 |
| Name | ONE SOUTH BANK |
|---|---|
| Type | Bank |
| Address | CHIPLEY, FL 32428 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | May 25, 2019 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 5290 OLD RIVER RD, BAKER, FL 32531-9499 |
| Document Number | 0034123354 |
| Instrument Date | Jul 29, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 5290 OLD RIVER RD BAKER FL 325319499, BAKER, FL 32531-9499 |
| Document Number | 0034123354 |
|---|---|
| Date | Aug 06, 2019 |
| Book Page | 003412/003354 |
| Instrument | 3296171 |
| Name | ONE FLORIDA BK |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Aug 05, 2049 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 5290 OLD RIVER RD, BAKER, FL 32531-9499 |
| Document Number | 0033784357 |
| Instrument Date | Dec 06, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 11, 2019 |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 5290 OLD RIVER RD BAKER FL 325319499, BAKER, FL 32531-9499 |
| Document Number | 0033784357 |
|---|---|
| Date | Dec 19, 2018 |
| Book Page | 003378/004357 |
| Instrument | 3249345 |
| Name | ONE SOUTH BK |
|---|---|
| Type | Bank |
| Address | CHIPLEY, FL 32428 |
| Amount | Amount Recorded |
|---|---|
| Term | 12 Months |
| Due | Dec 18, 2019 |
Source: Okaloosa County records · Assessment roll updated December 31, 2025 · Last verified July 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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,917.00 (+8.52%) | $736,951 (+6.58%) Land $32,684 Building $704,267 | $736,951 (-6.18%) Land $32,684 Building $704,267 |
| 2023 | $6,374.00 (+114.4%) Homeowner's exemption Disabled Person's exemption | $691,462 (+109.3%) | $785,532 (+31.83%) Land $27,768 Building $757,764 |
| 2022 | $2,973.00 Homeowner's exemption | $330,369 | $595,859 Land $25,952 Building $569,907 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 61% of the US · lower than 65% 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 32 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