Okaloosa County property record for 5478 Elzie Rd, Baker, FL 32531
| Property Type | Mobile Home |
|---|---|
| Details | 3 bd · 2 ba · 1,232 sqft · built 2007 |
| Lot Size | 2.74 acres (119,354 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $90,000 (Apr 2021) |
| Tax Bill | $1,034 (2025) |
| Deeds & Mortgages | Apr 2021 Sale & Mortgage Aug 2020 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-599-0295-7 |
| Primary APN | C56-000-599-0295-7 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,232 sqft Living Area |
| Gross Area | 1,432 sqft |
| 1st Floor Area | 1,232 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Mobile Home |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 119,354 sqft (2.74 acres) |
| Porch | Open/Unfinished Porch |
| Porch Area | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 5478 ELZIE RD |
|---|---|
| City | BAKER |
| State | FL |
| Zip | 32531-8302 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Legal Description | COM SW COR OF NE1/4 OF SE1/4 N 570.6 FT E 645.72 FT TO POB N 552 FT E 148.55 FT S 249.81 FT E 124.41 FT S 302.15 FT W 270. 56 FT TO POB |
| Legal Range | 25W |
| Legal Township | 03N |
| Legal Section | 12 |
| Legal Block | 4 |
| Legal Lot Number | 20 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | BAKER |
| Census Block Group | 3 |
| Census Block | 3029 |
| Census Tract | 20102 |
5478 Elzie Rd, a mobile home, is owned and occupied by two individuals who bought it in April 2021.
Source: Okaloosa County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5478 ELZIE RD, BAKER, FL 32531-8302 |
| 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.
| Date | Document |
|---|---|
| Apr 1, 2021 | Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL RESOURCES INC |
| Aug 31, 2020 | Deed of Trust, Construction Loan · Construction Mortgage BEACH CMNTY MTG SVCS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 1, 2021 · Amount on File |
| Deed Sale | Apr 1, 2021 · Amount on File |
| Prior Sale | Nov 27, 2013 · Amount on File |
| Deed Document Number | 20213442997 |
| Deed Book / Page | 3536 / 2756 |
| Prior Transfer Date | Jul 19, 2007 |
| Prior Transfer Doc | 0027992720 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Apr 1, 2021 |
| Property Address | 5478 ELZIE RD, BAKER, FL 32531-8302 |
| Document Number | 0035362756 |
| Book / Page | 3536 / 2756 |
| Instrument Date | Mar 31, 2021 |
| Instrument | 3442997 |
| Transaction Type | Transfer |
| Record Updated | Feb 24, 2023 |
| Title Company | SETCO SERVICES LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $630.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5478 ELZIE RD, BAKER, FL 32531-8302 |
| Name | Verified Name |
|---|---|
| Address | 5478 ELZIE RD, BAKER, FL 32531-8302 |
| Document Number | 0035362758 |
|---|---|
| Date | Apr 1, 2021 |
| Instrument | 3536/2758 |
| Name | AMERICAN FINANCIAL RESOURCES INC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Aug 31, 2020 |
| Property Address | 5478 ELZIE RD, BAKER, FL 32531-8302 |
| Document Number | 0034881166 |
| Book / Page | 003488 / 001166 |
| Instrument Date | Aug 28, 2020 |
| Instrument | 3387096 |
| Transaction Type | Construction Loan |
| Record Updated | Oct 6, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 5478 ELZIE RD BAKER FL 325318302, BAKER, FL 32531-8302 |
| Document Number | 34881166 |
|---|---|
| Date | Aug 31, 2020 |
| Book Page | 003488/001166 |
| Instrument | 3387096 |
| Name | BEACH CMNTY MTG SVCS |
|---|---|
| Type | Mortgage Company |
| Address | FORT WALTON BEACH, FL 32548 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 30, 2050 |
The 2025 property tax bill for 5478 Elzie Rd was $1,034.
Source: Okaloosa County assessment roll, as of December 31, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Unified School District | Okaloosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,034.00 | $101,830 Land $19,883 Building $81,947 | $101,830 Land $19,883 Building $81,947 |
| 2023 | $843.00 (+11.51%) | $79,065 (+17.95%) Land $16,892 Building $62,173 | $79,065 (+17.95%) Land $16,892 Building $62,173 |
| 2022 | $756.00 | $67,033 Land $15,787 Building $51,246 | $67,033 Land $15,787 Building $51,246 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5478 Elzie Rd 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 |
| 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 risk around 5478 Elzie Rd is moderate, ranking above 52% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 52% of the US · lower than 77% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable | 1,000 / 50 |
| Starlink Satellite | 280 / 30 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures