Okaloosa County property record for 5540 Old River Rd, Baker, FL 32531
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,280 sqft · built 1992 |
| Lot Size | 3.91 acres (170,320 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $450,000 (Nov 2024) |
| Tax Bill | $3,479 (2025) |
| Deeds & Mortgages | Mar 2024 Construction Loan Mar 2024 Sale & Construction Loan + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-593-7470-2 |
| Primary APN | C56-000-593-7470-2 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,280 sqft Living Area |
| Gross Area | 3,976 sqft |
| 1st Floor Area | 2,112 sqft |
| Upper Floors Area | 168 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 170,320 sqft (3.91 acres) |
| Garage Type | Carport |
| Garage Area | 960 sqft |
| Carport | Carport |
| Carport Area | 960 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 1,056 sqft |
| Patio Area | 640 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 5540 OLD RIVER RD |
|---|---|
| City | BAKER |
| State | FL |
| Zip | 32531-8467 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ALL W1/2 OF SW1/4 OF NE1/4 W OF RD & N OF GIDDEON BRANCH |
| Legal Range | 24W |
| Legal Township | 03N |
| Legal Section | 10 |
| Legal Block | 9 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | BAKER |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 20101 |
Source: Okaloosa County records · APN C56-000-593-7470-2
Assessment roll updated December 31, 2025 · Last verified June 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 File |
|---|---|
| Mailing Address | 5540 OLD RIVER RD, BAKER, FL 32531-8467 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Mar 20, 2024 | Deed of Trust, Mortgage · Construction Mortgage SILVER HILL FINANCIAL LLC |
| Mar 18, 2024 | Warranty Deed, Transfer · Construction Mortgage SILVER HILL FINANCIAL LLC |
| Mar 17, 2021 | Deed of Trust, Mortgage · Line of Credit THE FIRST A NATIONAL BANKING ASSN |
| Nov 01, 2018 | Grant Deed, Transfer PARAMOUNT TITLE |
| May 23, 2018 | Trustee's Deed, Foreclosure |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 18, 2024 · Amount on Record |
| Deed Sale | Nov 18, 2024 · Amount on Record |
| Prior Sale | May 10, 2024 · Amount on Record |
| Deed Document Number | 20243723036 |
| Prior Transfer Date | Aug 03, 2015 |
| Prior Transfer Doc | 0032150001 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 5540 OLD RIVER RD, BAKER, FL 32531-8467 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2024 |
| Name | Verified Name |
|---|---|
| Address | 3311 GULF BREEZE PKWY, GULF BREEZE, FL 32563-3351 |
| Document Number | 0003677575 |
|---|---|
| Date | Mar 20, 2024 |
| Instrument | 3677575 |
| Name | SILVER HILL FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | MIAMI, FL 33146 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 13 Months |
| Due | Apr 01, 2025 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Mar 18, 2024 |
| Property Address | 5540 OLD RIVER RD, BAKER, FL 32531-8467 |
| Document Number | 0003677070 |
| Instrument Date | Mar 18, 2024 |
| Instrument | 3677070 |
| Transaction Type | Transfer |
| Record Updated | Apr 10, 2024 |
| Title Company | PURE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,030.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7641 MARSHALL RD, MILTON, FL 32583-8695 |
| Name | Verified Name |
|---|---|
| Address | 3311 GULF BREEZE PKWY # 231, 231, GULF BREEZE, FL 32563-3351 |
| Document Number | 0003677071 |
|---|---|
| Date | Mar 18, 2024 |
| Instrument | 3677071 |
| Name | SILVER HILL FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | MIAMI, FL 33146 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 13 Months |
| Due | Apr 01, 2025 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 5540 OLD RIVER RD, BAKER, FL 32531-8467 |
| Transaction Type | Mortgage |
| Record Updated | Sep 20, 2023 |
| Name | Verified Name |
|---|---|
| Address | 5540 OLD RIVER RD, BAKER, FL 32531-8467 |
| Document Number | 0035324284 |
|---|---|
| Date | Mar 17, 2021 |
| Book Page | 3532/4284 |
| Instrument | 3438694 |
| Name | THE FIRST A NATIONAL BANKING ASSN |
|---|---|
| Type | Bank |
| Address | MILTON, FL 32571 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 59 Months |
| Due | Feb 26, 2026 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Nov 01, 2018 |
| Property Address | 5540 OLD RIVER RD, BAKER, FL 32531-8467 |
| Document Number | 0033732689 |
| Book / Page | 003373 / 002689 |
| Instrument Date | Oct 23, 2018 |
| Instrument | 3241296 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2018 |
| Title Company | PARAMOUNT TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,183.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5540 OLD RIVER RD BAKER FL 325318467, BAKER, FL 32531-8467 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | May 23, 2018 |
| Property Address | 5540 OLD RIVER RD, BAKER, FL 32531-8467 |
| Document Number | 0033510996 |
| Book / Page | 003351 / 000996 |
| Instrument Date | May 11, 2018 |
| Instrument | 3208635 |
| Transaction Type | Foreclosure |
| Record Updated | Jun 21, 2018 |
| Amount | Amount Recorded |
|---|---|
| Tax | $385.70 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Corporate Trust |
| Address | 16745 W BERNARDO DR SAN DIEGO CA 921271907, SAN DIEGO, CA 92127-1907 |
| Investor | Possibly a Property Investor |
Source: Okaloosa County records · Assessment roll updated December 31, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Unified School District | Okaloosa County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,479.00 (+144.83%) | $352,607 (+99.01%) Land $80,510 Building $272,097 | $352,607 (+13.44%) Land $80,510 Building $272,097 |
| 2023 | $1,421.00 (+4.33%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $177,183 (+4.33%) | $310,824 (+9.98%) Land $54,232 Building $256,592 |
| 2022 | $1,362.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $169,822 | $282,612 Land $48,271 Building $234,341 |
Source: FEMA National Flood Hazard Layer as of March 8, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Moderate above 60% of the US · lower than 66% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Communications Cable · Fiber in parts of the area | 1,000 / 50 |
| Starlink Satellite | 280 / 30 |
Based on FCC filings for 14 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | MILLIGAN WATER SYSTEM, INC. private · serves 2,450 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2026 |
| Lead | 1 ppb (2024) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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