5439 Old River Rd, Baker, FL 32531 Property Records

Okaloosa County property record for 5439 Old River Rd, Baker, FL 32531

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,145 sqft · built 2020
Lot Size	7.5 acres (326,700 sqft)
Owner	2 Individual Names on Record
Last Sale	$75,000 (Dec 2018)
Tax Bill	$2,547 (2025)
Deeds & Mortgages	Nov 2020 Loan Modification Dec 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`C56-000-598-6798-6`

Property Details

APN / Parcel Number

Primary APN	`C56-000-598-6798-6`
Alternative APNs	`10-3N-24-0000-0018-0120` `24N310000000180120`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,145 sqft Living Area
Gross Area	2,241 sqft
1st Floor Area	2,145 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	326,700 sqft (7.5 acres)
Porch	Finished/Open Porch
Porch Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	5439 OLD RIVER RD
City	BAKER
State	FL
Zip	32531-8465
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM NE COR OF NW1/4 OF SE1/4 W 100 FT S 1006.58 FT TO POB S 300 FT W 1128.88 FT TO R/W N 19 DEG E 301.79 FT S 70 DEG E 348.58 FT N 19 DEG E 125.7 FT N 17 DEG E 74.3 FT S 82 DEG E 652.66 FT TO POB PARCEL 2
Legal Range	24W
Legal Township	03N
Legal Section	10
Legal Block	18
Legal Lot Number	120
Jurisdiction	OKALOOSA FL
Township / Civil Division	BAKER
Census Block Group	2
Census Block	2004
Census Tract	20101

Owner

Source: Okaloosa County records, as of August 27, 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 Record
Mailing Address	5439 OLD RIVER RD, BAKER, FL 32531-8465
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2020	Loan Modification, Mortgage PEN AIR FCU
Dec 7, 2018	Warranty Deed, Transfer OLD SOUTH LAND TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 7, 2018 · Amount on Record
Deed Sale	Dec 7, 2018 · Amount on Record
Deed Document Number	20183247343
Deed Book / Page	3377 / 3123
Prior Transfer Date	Sep 28, 2004
Prior Transfer Doc	0002175819
Record Updated	Oct 29, 2026

November 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OKALOOSA FL
Property Address	5439 OLD RIVER RD, BAKER, FL 32531-8465
Document Number	0035100531
Instrument Date	Nov 13, 2020
Transaction Type	Mortgage
Record Updated	Jan 6, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5439 OLD RIVER RD BAKER FL 325318465, BAKER, FL 32531-8465

Mortgage

Document Number	0035100531
Date	Dec 4, 2020
Book Page	003510/000531
Instrument	3412563

Lender

Name	PEN AIR FCU
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 3, 2050

Interest

Rate	3.87%

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Dec 7, 2018
Property Address	5439 OLD RIVER RD, BAKER, FL 32531-8465
Document Number	0033773123
Book / Page	3377 / 3123
Instrument Date	Dec 5, 2018
Instrument	3247343
Transaction Type	Transfer
Record Updated	Apr 21, 2022
Title Company	OLD SOUTH LAND TITLE

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4617 CHAEXPRESSIONS DRIVE, 4617, CRESTVIEW, FL 32539

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1959 COTTON CREEK RD, BAKER, FL 32531-8105

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	$2,547.00 (+5.86%) Homeowner's exemption	$290,817 (+5.99%)	$370,474 (+6.76%) Land $80,975 Building $289,499
2023	$2,406.00 (+2.34%) Homeowner's exemption	$274,389 (+3%)	$347,001 (+7.91%) Land $68,797 Building $278,204
2022	$2,351.00 Homeowner's exemption	$266,397	$321,564 Land $64,296 Building $257,268

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
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

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 61% of the US · lower than 63% 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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50

Cell Coverage

5G and 4G LTE (outdoors only)

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