5649 Old River Rd, Baker, FL 32531 Property Records

Okaloosa County property record for 5649 Old River Rd, Baker, FL 32531

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,596 sqft · built 2023
Lot Size	2.01 acres (87,556 sqft)
Owner	Individual Name on Record
Last Sale	$67,500 (Jul 2022)
Tax Bill	$1,915 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Jun 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`C56-000-591-7931-7`

Property Details

APN / Parcel Number

Primary APN	`C56-000-591-7931-7`
Alternative APNs	`03-3N-24-0000-0008-0000` `24N303000000080000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,596 sqft Living Area
Gross Area	2,080 sqft
1st Floor Area	1,596 sqft
Flooring	Tile
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	87,556 sqft (2.01 acres)
Lot Width	210 ft Width
Porch	Finished/Open Porch
Porch Area	24 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	5649 OLD RIVER RD
City	BAKER
State	FL
Zip	32531-8469
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG SE COR NE1/4 OF SW1/4 W 330 FT N 210 FT E 330 FT S 210 FT TO BEG OR 91 PG 690 & BEG 330FT W OF SE COR OF NE1/4 OF SW1/4 CONT W 98.64FT TO E R/W OLD RIVER RD THC N 4 DEG E 210.01FT E 83.61FT S 210 FT TO POB
Legal Range	24W
Legal Township	03N
Legal Section	03
Legal Block	8
Jurisdiction	OKALOOSA FL
Township / Civil Division	BAKER
Census Block Group	2
Census Block	2000
Census Tract	20101

Owner

Source: Okaloosa County records, as of March 17, 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 Record
Mailing Address	491 MACHINERY CIR, HOLT, FL 32564-9557
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Woman, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Mar 6, 2026	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Jun 21, 2022	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 8, 2022 · Amount on Record
Deed Sale	Jul 8, 2022 · Amount on Record
Deed Document Number	20223563125
Deed Book / Page	3631 / 3986
Prior Transfer Date	Jun 15, 2022
Prior Transfer Doc	0036283436
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	5649 OLD RIVER RD, BAKER, FL 32531-8469
Transaction Type	Mortgage
Record Updated	Mar 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5649 OLD RIVER RD, BAKER, FL 32531-8469

Mortgage

Document Number	0003802580
Date	Mar 6, 2026
Instrument	3802580

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

June 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jun 21, 2022
Property Address	5649 OLD RIVER RD, BAKER, FL 32531-8469
Document Number	0036283436
Book / Page	3628 / 3436
Instrument Date	Jun 15, 2022
Instrument	3558947
Transaction Type	Transfer
Record Updated	Jul 11, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1413 GRANDVIEW DR, 1413, CRESTVIEW, FL 32539-8520

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4661 ADAMS RD, LAUREL HILL, FL 32567-2523

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	$1,915.00 (+596.36%) Homeowner's exemption Widower's exemption	$229,412 (+1,221.19%)	$235,549 (+1,256.54%) Land $20,438 Building $215,111
2023	$275.00 (-44.89%)	$17,364 (-60.08%) Land $17,364	$17,364 (-60.08%) Land $17,364
2022	$499.00	$43,499 Land $12,837 Building $30,662	$43,499 Land $12,837 Building $30,662

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
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 62% 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 8 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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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