5406 Steele Rd, Baker, FL 32531 Property Records

Okaloosa County property record for 5406 Steele Rd, Baker, FL 32531

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,947 sqft · built 2018
Lot Size	1.07 acres (46,609 sqft)
Owner	Individual Name on Record
Last Sale	$475,000 (May 2026)
Tax Bill	$2,766 (2025)
Deeds & Mortgages	Sep 2025 Mortgage May 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C56-001-015-8714-5`

Property Details

APN / Parcel Number

Primary APN	`C56-001-015-8714-5`
Alternative APNs	`10-3N-25-0000-0010-0030` `25N310000000100030`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,947 sqft Living Area
Gross Area	3,975 sqft
1st Floor Area	2,947 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	46,609 sqft (1.07 acres)
Garage Type	Attached
Garage Area	506 sqft
Porch	Finished/Open Porch
Porch Area	522 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	5406 STEELE RD
City	BAKER
State	FL
Zip	32531-8374
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM NW COR OF SW1/4 OF SE1/4 S 859.43 FT TO POB S 84 DEG E 187.12 FT TO R/W S 13 DEG W 3.75 FT S ALG CURVE 241.71 FT W 173.68 FT N 258.22 FT TO POB
Legal Range	25W
Legal Township	03N
Legal Section	10
Legal Block	10
Legal Lot Number	30
Jurisdiction	OKALOOSA FL
Township / Civil Division	BAKER
Census Block Group	3
Census Block	3041
Census Tract	20102

Owner

Source: Okaloosa County records, as of May 12, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	5406 STEELE RD, BAKER, FL 32531-8374
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2025	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
May 1, 2026	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE COMPANY
Mar 14, 2017	Deed of Trust, Mortgage · Commercial Mortgage FIRST NBC BANK
Feb 19, 2018	Deed of Trust, Mortgage · FHA Mortgage FIRST COMMUNITY MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2026 · Amount on Record
Deed Sale	May 1, 2026 · Amount on Record
Prior Sale	Jul 11, 2014 · Amount on Record
Deed Document Number	20263814275
Prior Transfer Date	Feb 27, 2013
Prior Transfer Doc	0002840541
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	5406 STEELE RD, BAKER, FL 32531-8374
Transaction Type	Mortgage
Record Updated	May 27, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5406 STEELE RD, BAKER, FL 32531-8374

Mortgage

Document Number	0003774047
Date	Sep 19, 2025
Instrument	3774047

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	270 Months
Due	Mar 1, 2048

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	May 1, 2026
Property Address	5406 STEELE RD, BAKER, FL 32531-8374
Document Number	0003814275
Instrument Date	Apr 30, 2026
Instrument	2026.3814275
Transaction Type	Transfer
Record Updated	May 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$335,825.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5406 STEELE RD, BAKER, FL 32531-8374

Mortgage

Document Number	0003814276,
Date	May 1, 2026
Instrument	2026..3814276

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	5406 STEELE RD, BAKER, FL 32531-8374
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032910035
Date	Mar 14, 2017
Book Page	3291/0035
Instrument	3122893

Lender

Name	FIRST NBC BANK
Type	Bank
Address	CRESTVIEW, FL 32539

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Mar 9, 2018

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	5406 STEELE RD, BAKER, FL 32531-8374
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0033374713
Date	Feb 19, 2018
Book Page	3337/4713
Instrument	3189335

Lender

Name	FIRST COMMUNITY MORTGAGE INC
Type	Mortgage Company
Address	MURFREESBORO, TN 37129

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2048

Tax Assessment & Valuation

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	$2,766.00 (+5.73%) Homeowner's exemption	$314,514 (+5.99%)	$468,978 (+3.41%) Land $15,543 Building $453,435
2023	$2,616.00 (+2.15%) Homeowner's exemption	$296,748 (+3%)	$453,516 (+8.65%) Land $13,205 Building $440,311
2022	$2,561.00 Homeowner's exemption	$288,105	$417,427 Land $12,341 Building $405,086

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

Flood

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

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

Wildfire Risk	Moderate above 60% of the US · lower than 66% 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	BAKER WATER SYSTEM, INC. serves 2,930 people · EPA ID FL1460043
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 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	None 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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	25 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

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