5811 Monroe St, Baker, FL 32531 Property Records

Okaloosa County property record for 5811 Monroe St, Baker, FL 32531

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,124 sqft · built 1987
Lot Size	1.38 acres (60,113 sqft)
Owner	2 Individual Names on Record
Last Sale	$290,000 (Jul 2026)
Tax Bill	$2,179 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Apr 2023 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-597-4866-5`

Property Details

APN / Parcel Number

Primary APN	`C56-000-597-4866-5`
Alternative APNs	`31-4N-24-0095-0000-0050` `24N431009500000050`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,124 sqft Living Area
Gross Area	2,384 sqft
1st Floor Area	2,124 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	60,113 sqft (1.38 acres)
Porch	Finished/Open Porch
Porch Area	388 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	5811 MONROE ST
City	BAKER
State	FL
Zip	32531-2619
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BAKER HTS S/D COM NW COR LOT 5 S 8 DEG W 20FT TO POB S 78 DEG E 291.8FT S 7 DEG W 184.21FT N 86 DEG W 292.88FT TO E R/W MONROE ST THC N 8 DEGE 222.89FT TO POB
Legal Range	24W
Legal Township	04N
Legal Section	31
Legal Subdivision	BAKER HTS S/D
Legal Lot Number	5
Jurisdiction	OKALOOSA FL
Township / Civil Division	BAKER
Census Block Group	2
Census Block	2035
Census Tract	20102

Owner

Source: Okaloosa County records, as of July 14, 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 Record
Mailing Address	5811 MONROE ST, BAKER, FL 32531-2619
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2026	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE
Apr 12, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Apr 12, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Apr 12, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Dec 8, 2022	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Sep 15, 2022	Warranty Deed, Transfer NOT AVAILABLE, FOUNDATION T&E SERIES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2026 · Amount on Record
Deed Sale	Jul 2, 2026 · Amount on Record
Prior Sale	Sep 15, 2022 · Amount on Record
Deed Document Number	20263825706
Prior Transfer Date	Apr 12, 2023
Prior Transfer Doc	0036701123
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jul 2, 2026
Property Address	5811 MONROE ST, BAKER, FL 32531-2619
Document Number	0003825706
Instrument Date	Jun 24, 2026
Instrument	20263825706
Transaction Type	Transfer
Record Updated	Jul 14, 2026
Title Company	MOULTON LAND TITLE INC, MOULTON LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$205,030.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5811 MONROE ST, BAKER, FL 32531-2619

Mortgage

Document Number	0003825707,
Date	Jul 2, 2026
Instrument	20263825707

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.51%
Max Rate	-1%

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OKALOOSA FL
Recording Date	Apr 12, 2023
Property Address	5811 MONROE ST, BAKER, FL 32531-2619
Document Number	0036701127
Book / Page	3670 / 1127
Map Reference	MB 6 PG 13
Instrument Date	Apr 12, 2023
Instrument	3617131
Transaction Type	Transfer
Record Updated	May 9, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6541 SPICEWOOD LN, TALLAHASSEE, FL 32312-6762

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6541 SPICEWOOD LN, TALLAHASSEE, FL 32312-6762

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OKALOOSA FL
Recording Date	Apr 12, 2023
Property Address	5811 MONROE ST, BAKER, FL 32531-2619
Document Number	0036701123
Book / Page	3670 / 1123
Map Reference	MB 6 PG 13
Instrument Date	Apr 12, 2023
Instrument	3617129
Transaction Type	Transfer
Record Updated	May 9, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6541 SPICEWOOD LN, TALLAHASSEE, FL 32312-6762

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6541 SPICEWOOD LN, TALLAHASSEE, FL 32312-6762

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OKALOOSA FL
Recording Date	Apr 12, 2023
Property Address	5811 MONROE ST, BAKER, FL 32531-2619
Document Number	0036701125
Book / Page	3670 / 1125
Map Reference	MB 6 PG 13
Instrument Date	Apr 12, 2023
Instrument	3617130
Transaction Type	Transfer
Record Updated	May 9, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6541 SPICEWOOD LN, TALLAHASSEE, FL 32312-6762

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6541 SPICEWOOD LN, TALLAHASSEE, FL 32312-6762

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Dec 8, 2022
Property Address	5811 MONROE ST, BAKER, FL 32531-2619
Document Number	0036541047
Book / Page	3654 / 1047
Map Reference	MB 6 PG 13
Instrument Date	Dec 8, 2022
Instrument	3595087
Transaction Type	Transfer
Record Updated	Jan 3, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6541 SPICEWOOD LN, TALLAHASSEE, FL 32312-6762

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6541 SPICEWOOD LN, TALLAHASSEE, FL 32312-6762

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Sep 15, 2022
Property Address	5811 MONROE ST, BAKER, FL 32531-2619
Document Number	0036424648
Book / Page	3642 / 4648
Map Reference	MB 6 PG 13
Instrument Date	Sep 15, 2022
Instrument	3578870
Transaction Type	Transfer
Record Updated	Oct 3, 2022
Title Company	NOT AVAILABLE, FOUNDATION T&E SERIES LLC

Transaction

Amount	Amount Recorded
Tax	$1,750.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	251 WAVA AVE, 251, NICEVILLE, FL 32578-1719

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6541 SPICEWOOD LN, TALLAHASSEE, FL 32312-6762
Investor	Possibly a Property Investor

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	$2,179.00 (+4.31%)	$216,577 (+5.04%) Land $17,042 Building $199,535	$216,577 (+5.04%) Land $17,042 Building $199,535
2023	$2,089.00 (+91.3%)	$206,188 (+50.21%) Land $14,478 Building $191,710	$206,188 (+0.43%) Land $14,478 Building $191,710
2022	$1,092.00 Homeowner's exemption	$137,263	$205,306 Land $22,715 Building $182,591

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.

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	7 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 55% of the US · lower than 73% 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.

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

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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