Okaloosa County property record for 5437 Torchwood Dr, Baker, FL 32531 · Last verified January 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,875 sqft · built 2025 |
| Owner | Individual Name on File |
| Last Sale | $304,900 (Dec 2025) |
| Tax Bill | $289 (2025) |
| Deeds & Mortgages | Dec 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-001-197-8411-4 |
| Primary APN | C56-001-197-8411-4 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,875 sqft Heated Area |
| Gross Area | 2,574 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2025 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Garage Type | Finished |
| Porch | Open Porch |
| Porch Area | 258 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 5437 TORCHWOOD DR |
|---|---|
| City | BAKER |
| State | FL |
| Zip | 32531-8551 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CHARLIE DAY ESTATES LOT 19 |
| Legal Subdivision | CHARLIE DAY ESTATES |
| Legal Lot Number | 19 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | BAKER |
| Census Block Group | 3 |
| Census Block | 3033 |
| Census Tract | 20102 |
Source: Okaloosa County records · APN C56-001-197-8411-4
Assessment roll updated July 1, 2025 · Last verified January 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 5437 TORCHWOOD DR, BAKER, FL 32531-8551 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 02, 2025 · Amount on Record |
| Deed Sale | Dec 02, 2025 · Amount on Record |
| Deed Document Number | 3786740 |
| Record Updated | Jun 08, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Dec 02, 2025 |
| Property Address | 5437 TORCHWOOD DR, BAKER, FL 32531-8551 |
| Document Number | 0003786740 |
| Map Reference | MB 31 PG 70&71 |
| Instrument Date | Nov 25, 2025 |
| Instrument | 3786740 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 24, 2025 |
| Title Company | DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,134.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 400 SCHUBERT DR, PENSACOLA, FL 32504-6961 |
| Name | Verified Name |
|---|---|
| Address | 5437 TORCHWOOD DR, BAKER, FL 32531-8551 |
| Document Number | 0003786741 |
|---|---|
| Date | Dec 02, 2025 |
| Instrument | 3786741 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.87% |
| Type Change Date | Apr 01, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 2.87% |
| Max Rate At Change | 4.87% |
| Index | 1-Year CMT |
| Margin | 2 |
| Max Rate | 8.87% |
Source: Okaloosa County records · Assessment roll updated July 1, 2025 · Last verified January 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Unified School District | Okaloosa County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $289.00 | $29,713 Land $29,713 | $29,713 Land $29,713 |
Source: FEMA National Flood Hazard Layer, Okaloosa County (12091C), updated March 8, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120910201023, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 9 in force |
| Wildfire Risk | Moderate above 56% of the US · above 27% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 680 per year |
| 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, availability as of December 31, 2025 · Published October 2026 · based on 12 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Mediacom Communications | Cable | 1,000 / 50 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
5G (outdoors only) and 4G LTE
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