5345 Old River Rd, Baker, FL 32531 Property Records

Okaloosa County property record for 5345 Old River Rd, Baker, FL 32531

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 4,373 sqft · built 2017
Lot Size	24 acres (1,045,440 sqft)
Owner	2 Individual Names on File
Last Sale	$90,000 (May 2015)
Tax Bill	$6,022 (2025)
Deeds & Mortgages	Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-001-072-5586-1`

Property Details

APN / Parcel Number

Primary APN	`C56-001-072-5586-1`
Alternative APN	`15-3N-24-0000-0005-0010`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	4,373 sqft Heated Area
Gross Area	6,269 sqft
1st Floor Area	3,239 sqft
Attic Area	395 sqft
Interior Walls	Custom/Decorative
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Exterior Material	Stone
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	1,045,440 sqft (24 acres)
Garage Type	Finished
Garage Area	952 sqft
Porch	Finished/Screened Porch
Porch Area	522 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	5345 OLD RIVER RD
City	BAKER
State	FL
Zip	32531-9302
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S1/2 OF NW1/4 OF NE1/4 AND BEG AT THE SE COR OF NE1/4 OF NW1/4 W 660 FT N 197.8 FT TO R/W N 22 DEG E ALG R/W 218.37 E 581.8 F
Legal Range	24
Legal Township	03N
Legal Section	15
Jurisdiction	OKALOOSA FL
Township / Civil Division	BAKER
Census Block Group	2
Census Block	2006
Census Tract	20101

Owner

Source: Okaloosa County records · APN C56-001-072-5586-1

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
Co-owner	Verified Secondary Owner
Mailing Address	5345 OLD RIVER RD, BAKER, FL 32531-9302
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 20, 2015 · Amount on Record
Deed Sale	May 20, 2015 · Amount on Record
Deed Document Number	0031991709
Record Updated	Jun 08, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	5345 OLD RIVER RD, BAKER, FL 32531-9302
Transaction Type	Mortgage
Record Updated	Apr 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0034683590
Date	Jun 15, 2020
Book Page	3468/3590
Instrument	3365450

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2050

Tax Assessment & Valuation

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

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	$6,022.00 (+5.26%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$661,036 (+5.99%)	$984,719 (+5.57%) Land $105,247 Building $879,472
2023	$5,721.00 (+2.11%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$623,695 (+3%)	$932,745 (+7.95%) Land $83,160 Building $849,585
2022	$5,603.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$605,529	$864,072 Land $79,200 Building $784,872

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
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

Wildfire Risk	Moderate above 57% of the US · lower than 69% 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.

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 6 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.