5364 Hwy 4, Baker, FL 32531 Property Records

Okaloosa County property record for 5364 Hwy 4, Baker, FL 32531

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,016 sqft · built 1996
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$210,000 (Jul 2019)
Tax Bill	$124 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Jul 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-595-3286-1`

Property Details

APN / Parcel Number

Primary APN	`C56-000-595-3286-1`
Alternative APNs	`16-3N-24-0000-0065-0000` `24N316000000650000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,016 sqft Living Area
Gross Area	2,364 sqft
1st Floor Area	2,016 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	43,560 sqft (1 acres)
Lot Width	210 ft Width
Porch	Florida Room
Porch Area	348 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	5364 HIGHWAY 4
City	BAKER
State	FL
Zip	32531-8423
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG NW COR NE1/4 OF SW1/4 S 366 FT SELY 210 YDS TO POB S 70YDS E 70YDS N 70 YDS W 70 YDS TO POB
Legal Range	24W
Legal Township	03N
Legal Section	16
Legal Block	65
Jurisdiction	OKALOOSA FL
Township / Civil Division	BAKER
Census Block Group	2
Census Block	2017
Census Tract	20101

Owner

5364 Hwy 4 is owned and occupied by two individuals who bought it in July 2019.

Source: Okaloosa County records, as of October 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5364 HIGHWAY 4, BAKER, FL 32531-8423
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
Feb 9, 2022	Deed of Trust, Mortgage · VA Mortgage CARDINAL FINANCIAL COMPANY LP
Jul 25, 2019	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Sep 26, 2018	Quit Claim Deed, Transfer · Conventional Mortgage EGLIN FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 25, 2019 · Amount on File
Deed Sale	Jul 25, 2019 · Amount on File
Prior Sale	Sep 22, 2016 · Amount on File
Deed Document Number	20193293770
Deed Book / Page	3410 / 4108
Prior Transfer Date	Sep 20, 2018
Prior Transfer Doc	0033684981
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	5364 HIGHWAY 4, BAKER, FL 32531-8423
Transaction Type	Mortgage
Record Updated	Mar 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5364 HIGHWAY 4, BAKER, FL 32531-8423

Mortgage

Document Number	0036032519
Date	Feb 9, 2022
Book Page	3603/2519
Instrument	3525554

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2052

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jul 25, 2019
Property Address	5364 HIGHWAY 4, BAKER, FL 32531-8423
Document Number	0034104108
Book / Page	3410 / 4108
Instrument Date	Jul 17, 2019
Instrument	3293770
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	OLD SOUTH LAND TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,470.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1448 PINE GROVE RD, 1448, STANLEY, VA 22851-4421

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5364 HIGHWAY 4, BAKER, FL 32531-8423

Mortgage

Document Number	0034104110
Date	Jul 25, 2019
Instrument	3410-4110

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OKALOOSA FL
Recording Date	Sep 26, 2018
Property Address	5364 HIGHWAY 4, BAKER, FL 32531-8423
Document Number	0033684981
Book / Page	3368 / 4981
Instrument Date	Sep 20, 2018
Instrument	3234495
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	MOUNTON LAND TILE INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5364 HIGHWAY 4, BAKER, FL 32531-8423

Mortgage

Document Number	0003234496
Date	Sep 26, 2018
Instrument	3234496

Lender

Name	EGLIN FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 9, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 5364 Hwy 4 was $124 with exemptions applied.

Source: Okaloosa County assessment roll, as of December 31, 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	$124.00 Homeowner's exemption Veteran's exemption	$250,292 Land $10,895 Building $239,397	$250,292 Land $10,895 Building $239,397
2023	$2,265.00 (+7.65%)	$239,884 (+8.58%) Land $9,256 Building $230,628	$239,884 (+8.58%) Land $9,256 Building $230,628
2022	$2,104.00	$220,937 Land $8,650 Building $212,287	$220,937 Land $8,650 Building $212,287

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5364 Hwy 4 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
Flood Insurance Cost	Premium on File median of 10 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	10 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 5364 Hwy 4 is moderate, ranking above 58% 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 58% of the US · lower than 68% 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	MILLIGAN WATER SYSTEM, INC. private · serves 2,450 people · EPA ID FL1460472
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, 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 123 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50

May also be available: CenturyLink.

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