5816 Jack Stokes Rd, Baker, FL 32531 Property Records

Okaloosa County property record for 5816 Jack Stokes Rd, Baker, FL 32531

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 840 sqft · built 1993
Lot Size	0.136 acres (5,909 sqft)
Owner	Individual Name on Record
Last Sale	$185,000 (Apr 2026)
Tax Bill	$693 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Nov 2022 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-597-4852-5`

Property Details

APN / Parcel Number

Primary APN	`C56-000-597-4852-5`
Alternative APNs	`31-4N-24-0000-0018-0000` `24N431000000180000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	840 sqft Living Area
Gross Area	928 sqft
1st Floor Area	840 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2003
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	5,909 sqft (0.136 acres)
Lot Width	50 ft Width
Porch	Finished/Open Porch
Porch Area	88 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	5816 JACK STOKES RD
City	BAKER
State	FL
Zip	32531-2508
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG 650 FT N HY #62 ON W SIDE BAKER-BLACKMAN RD W 125 FT N 50 FT E 125 FT S 50 FT TO BEG DB 55 PG 21
Legal Range	24W
Legal Township	04N
Legal Section	31
Legal Block	18
Jurisdiction	OKALOOSA FL
Township / Civil Division	BAKER
Census Block Group	2
Census Block	2030
Census Tract	20102

Owner

Source: Okaloosa County records, as of May 8, 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	5816 JACK STOKES RD, BAKER, FL 32531-2508
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2026	Warranty Deed, Transfer · FHA Mortgage NORTHPOINTE BANK
Nov 2, 2022	Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP
Sep 25, 2018	Deed of Trust, Mortgage · Commercial Mortgage CCB COMMUNITY BANK
Nov 22, 2017	Warranty Deed, Transfer MAIN STREET LAND TITLE COMPANY
Oct 24, 2017	Grant Deed, Transfer FIRST INT'L TITLE
May 16, 2017	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 28, 2026 · Amount on Record
Deed Sale	Apr 28, 2026 · Amount on Record
Prior Sale	Nov 2, 2022 · Amount on Record
Deed Document Number	20263813482
Record Updated	Sep 20, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Apr 28, 2026
Property Address	5816 JACK STOKES RD, BAKER, FL 32531-2508
Document Number	0003813482
Instrument Date	Apr 24, 2026
Instrument	2026.3813482
Transaction Type	Transfer
Record Updated	May 11, 2026
Title Company	MOULTON LAND TITLE INC, MOULTON LAND TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$130,795.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5816 JACK STOKES RD, BAKER, FL 32531-2508

Mortgage

Document Number	0003813483,
Date	Apr 28, 2026
Instrument	2026..3813483

Lender

Name	NORTHPOINTE BANK

Agreement

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

Interest

Rate	6.11%
Max Rate	-1%

Mortgage

Document Number	0003813484,
Date	Apr 28, 2026
Instrument	2026.3813484

Lender

Name	FLORIDA HOUSING FINANCE CORP

Agreement

Amount	Amount Recorded

Interest

Rate	6.11%
Max Rate	-1%

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Nov 2, 2022
Property Address	5816 JACK STOKES RD, BAKER, FL 32531-2508
Document Number	0036493145
Book / Page	3649 / 3145
Instrument Date	Oct 28, 2022
Instrument	3588630
Transaction Type	Transfer
Record Updated	Nov 21, 2022
Title Company	KNIGHT BARRY TITLE SLN INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,169.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5562 ALGONQUIN PL, 5562, CRESTVIEW, FL 32536-9519

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5816 JACK STOKES RD, BAKER, FL 32531-2508

Mortgage

Document Number	0036493147
Date	Nov 2, 2022
Instrument	3649/3147

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2052

Mortgage

Document Number	0036493258
Date	Nov 2, 2022
Book Page	3649/3258
Instrument	3588651

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	5816 JACK STOKES RD, BAKER, FL 32531-2508
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0033684137
Date	Sep 25, 2018
Book Page	3368/4137
Instrument	3234274

Lender

Name	CCB COMMUNITY BANK
Type	Bank
Address	CRESTVIEW, FL 32536

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Nov 22, 2017
Property Address	5816 JACK STOKES RD, BAKER, FL 32531-2508
Document Number	0033270090
Book / Page	003327 / 000090
Instrument Date	Nov 16, 2017
Instrument	3173875
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	MAIN STREET LAND TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$156.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5562 ALGONQUIN PL CRESTVIEW FL 325369519, CRESTVIEW, FL 32536-9519

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OKALOOSA FL
Recording Date	Oct 24, 2017
Property Address	5816 JACK STOKES RD, BAKER, FL 32531-2508
Document Number	0033230771
Book / Page	003323 / 000771
Instrument Date	Oct 13, 2017
Instrument	3168222
Transaction Type	Transfer
Record Updated	Nov 30, 2017
Title Company	FIRST INT'L TITLE

Transaction

Amount	Amount Recorded
Tax	$154.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5816 JACK STOKES RD BAKER FL 325312508, BAKER, FL 32531-2508

May 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	OKALOOSA FL
Recording Date	May 16, 2017
Property Address	5816 JACK STOKES RD, BAKER, FL 32531-2508
Document Number	0032993804
Book / Page	003299 / 003804
Instrument Date	Apr 27, 2017
Instrument	3135343
Transaction Type	Foreclosure
Record Updated	Jul 11, 2017

Transaction

Amount	Amount Recorded
Tax	$123.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	14405 WALTERS RD HOUSTON TX 770141337, HOUSTON, TX 77014-1337
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	$693.00 (+4.37%) Homeowner's exemption	$96,618 (+2.79%)	$97,549 (+3.78%) Land $10,912 Building $86,637
2023	$664.00 (-4.32%) Homeowner's exemption	$93,994 (+22.81%) Land $9,271 Building $84,723	$93,994 (+22.81%) Land $9,271 Building $84,723
2022	$694.00	$76,535 Land $8,664 Building $67,871	$76,535 Land $8,664 Building $67,871

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
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	Low lower than 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

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

May also be available: T-Mobile.

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