5655 Gerald Brooks Rd, Baker, FL 32531 Property Records

Okaloosa County property record for 5655 Gerald Brooks Rd, Baker, FL 32531

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,894 sqft · built 2020
Lot Size	12.6 acres (551,470 sqft)
Owner	2 Individual Names on Record
Last Sale	$153,050 (Feb 2021)
Tax Bill	$117 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Feb 2021 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`C56-001-123-5425-3`

Property Details

APN / Parcel Number

Primary APN	`C56-001-123-5425-3`
Alternative APNs	`04-3N-25-0000-0008-0010` `25N304000000080010`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,894 sqft Living Area
Gross Area	3,720 sqft
1st Floor Area	2,894 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	551,470 sqft (12.6 acres)
Garage Type	Attached
Garage Area	506 sqft
Porch	Finished/Open Porch
Porch Area	826 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	5655 GERALD BROOKS RD
City	BAKER
State	FL
Zip	32531-5327
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM SE COR OF SEC W 9.1 FT TO W R/W N 409.15 FT N ALG CURVE 219.7 FT N 6 DEG E 540.03 FT N ALG CURVE 127.52 FT N 3 DEG W 37.85 FT TO POB W 1164.91 FT N 12 DEG E 499.74 FT E 1084.21FT TO W R/W S3 DEG W ALG R/W 490. 58 FT TO POB
Legal Range	25W
Legal Township	03N
Legal Section	04
Legal Block	8
Legal Lot Number	10
Jurisdiction	OKALOOSA FL
Township / Civil Division	BAKER
Census Block Group	3
Census Block	3026
Census Tract	20102

Owner

Source: Okaloosa County records, as of December 31, 2025

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	5655 GERALD BROOKS RD, BAKER, FL 32531-5327
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 19, 2021	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Feb 19, 2021	Warranty Deed, Transfer ACCOMODATION, ACCOMMODATION
Jun 5, 2020	Loan Modification, Mortgage CCB CMNTY BK
Oct 7, 2019	Deed of Trust, Mortgage · Conventional Mortgage CCB CMNTY BK
Aug 1, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 19, 2021 · Amount on Record
Deed Sale	Feb 19, 2021 · Amount on Record
Deed Document Number	20213431416
Deed Book / Page	3526 / 4084
Prior Transfer Date	Feb 12, 2021
Prior Transfer Doc	0035264084
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	5655 GERALD BROOKS RD, BAKER, FL 32531-5327
Transaction Type	Mortgage
Record Updated	Apr 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5655 GERALD BROOKS RD, BAKER, FL 32531-5327

Mortgage

Document Number	0035402422
Date	Apr 19, 2021
Book Page	3540/2422
Instrument	3447703

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Feb 19, 2021
Property Address	5655 GERALD BROOKS RD, BAKER, FL 32531-5327
Document Number	0035264084
Book / Page	3526 / 4084
Instrument Date	Feb 12, 2021
Instrument	3431416
Transaction Type	Transfer
Record Updated	Apr 21, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Tax	$1,071.35
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5655 GERALD BROOKS RD, BAKER, FL 32531-5327

June 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OKALOOSA FL
Property Address	5655 GERALD BROOKS RD, BAKER, FL 32531-5327
Document Number	0034674900
Instrument Date	Jun 5, 2020
Transaction Type	Mortgage
Record Updated	Aug 6, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5677 GERALD BROOKS RD BAKER FL 325315327, BAKER, FL 32531-5327

Mortgage

Document Number	0034674900
Date	Jun 10, 2020
Book Page	003467/004900
Instrument	3364659

Lender

Name	CCB CMNTY BK
Type	Bank
Address	NICEVILLE, FL 32578

Agreement

Amount	Amount Recorded

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	5655 GERALD BROOKS RD, BAKER, FL 32531-5327
Document Number	0034231937
Instrument Date	Oct 7, 2019
Transaction Type	Mortgage
Record Updated	Oct 30, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5677 GERALD BROOKS RD BAKER FL 325315327, BAKER, FL 32531-5327

Mortgage

Document Number	0034231937
Date	Oct 10, 2019
Book Page	003423/001937
Instrument	3310448

Lender

Name	CCB CMNTY BK
Type	Bank
Address	NICEVILLE, FL 32578

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Aug 1, 2019
Property Address	5655 GERALD BROOKS RD, BAKER, FL 32531-5327
Document Number	0034113798
Book / Page	003411 / 003798
Instrument Date	Jul 30, 2019
Instrument	3295148
Transaction Type	Transfer
Record Updated	Aug 19, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5677 GERALD BROOKS RD BAKER FL 325315327, BAKER, FL 32531-5327

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	$117.00 (-11.36%) Homeowner's exemption Veteran's exemption	$523,019 (+34.85%)	$531,785 (+16.81%) Land $100,281 Building $431,504
2023	$132.00 (+2.33%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$387,866 (+3.07%) Land $10,174 Building $377,692	$455,242 (+7.49%)
2022	$129.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$376,306 Land $9,824 Building $366,482	$423,529

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	Moderate above 65% of the US · above 43% 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	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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Mediacom Xtream Fixed Wireless	25 / 3

Cell Coverage

5G and 4G LTE (outdoors only)

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