5499 Galliver Cutoff, Baker, FL 32531 Property Records

Okaloosa County property record for 5499 Galliver Cutoff, Baker, FL 32531

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,550 sqft · built 1985
Lot Size	1.11 acres (48,352 sqft)
Owner	Individual Name on Record
Last Sale	$278,000 (Sep 2022)
Tax Bill	$1,318 (2025)
Deeds & Mortgages	Sep 2022 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`C56-000-593-0140-8`

Property Details

APN / Parcel Number

Primary APN	`C56-000-593-0140-8`
Alternative APN	`07-3N-24-0000-0008-0010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,550 sqft Heated Area
Gross Area	2,135 sqft
1st Floor Area	1,550 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	48,352 sqft (1.11 acres)
Garage Type	Finished
Garage Area	465 sqft
Porch	Open Porch
Porch Area	120 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	5499 GALLIVER CUTOFF
City	BAKER
State	FL
Zip	32531-8546
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM NE COR GOV LOT 6 N 79 DEG W 359.51 FT S 24 DEG W 30.74 FT TO POB S 24 DEG W 190.54 FT N 79 DEG W 252.51 FT TO R/ NE ALG R
Legal Range	24
Legal Township	03N
Legal Section	07
Legal Lot Number	6
Jurisdiction	OKALOOSA FL
Township / Civil Division	BAKER
Census Block Group	3
Census Block	3033
Census Tract	20102

Owner

Source: Okaloosa County records, as of December 8, 2025

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
Co-owner	Co-owner on Record
Mailing Address	5499 GALLIVER CUTOFF, BAKER, FL 32531-8546
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2022 · Amount on Record
Deed Sale	Sep 1, 2022 · Amount on Record
Prior Sale	Jul 1, 2004 · Amount on Record
Deed Document Number	3575881
Deed Book / Page	3640 / 4653
Record Updated	Jun 8, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Sep 1, 2022
Property Address	5499 GALLIVER CTO, BAKER, FL 32531-8546
Document Number	0036404653
Book / Page	3640 / 4653
Instrument Date	Aug 31, 2022
Instrument	3575881
Transaction Type	Transfer
Record Updated	Jun 1, 2023
Title Company	BRIGHT LIGHT LAND TTL CO LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,946.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	256 ECHO CIR, FORT WALTON BEACH, FL 32548-6316

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5499 GALLIVER CTO, BAKER, FL 32531-8546

Mortgage

Document Number	0036404655
Date	Sep 1, 2022
Book Page	3640/4655
Instrument	3575882

Lender

Name	PROGRESS BANK & TRUST
Type	Bank
Address	HUNTSVILLE, AL 35801

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2052

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of July 1, 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	$1,318.00 (-27.34%) Homeowner's exemption	$162,388 (-8.59%)	$187,786 (+5.7%) Land $21,216 Building $166,570
2023	$1,814.00 (+6.77%)	$177,655 (+8.36%) Land $18,025 Building $159,630	$177,655 (+8.36%) Land $18,025 Building $159,630
2022	$1,699.00	$163,954 Land $16,846 Building $147,108	$163,954 Land $16,846 Building $147,108

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	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach

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 10 locations within half a mile, as of December 31, 2025

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