5820 Monroe St, Baker, FL 32531 Property Records

Okaloosa County property record for 5820 Monroe St, Baker, FL 32531

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,288 sqft · built 2013
Lot Size	0.356 acres (15,527 sqft)
Owner	Individual Name on Record
Last Sale	$240,000 (Oct 2023)
Tax Bill	$1,410 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-592-8916-5`

Property Details

APN / Parcel Number

Primary APN	`C56-000-592-8916-5`
Alternative APN	`06-3N-24-2760-0025-0040`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,288 sqft Heated Area
Gross Area	1,656 sqft
1st Floor Area	1,288 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Wood
Lot Area	15,527 sqft (0.356 acres)
Lot Width	100 ft Width
Garage Type	Finished
Garage Area	260 sqft
Porch	Open Porch
Porch Area	108 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	5820 MONROE ST
City	BAKER
State	FL
Zip	32531-2618
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BAKER LOTS 4 & 5 BLK 25 & E1/2 OF ADJ ALLEY
Legal Range	24
Legal Township	03N
Legal Section	06
Legal Subdivision	BAKER
Legal Block	25
Legal Lot Number	4,5 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 December 8, 2025

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
Co-owner	Co-owner on Record
Mailing Address	5820 MONROE ST, BAKER, FL 32531-2618
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2023	Warranty Deed, Transfer · FHA Mortgage NEWREZ LLC
Apr 27, 2018	Warranty Deed, Transfer · VA Mortgage USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2023 · Amount on Record
Deed Sale	Oct 6, 2023 · Amount on Record
Prior Sale	Apr 27, 2018 · Amount on Record
Deed Document Number	3650774
Record Updated	Jun 8, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Oct 6, 2023
Property Address	5820 MONROE ST, BAKER, FL 32531-2618
Document Number	0003650774
Map Reference	MB 1 PG 12
Instrument Date	Oct 2, 2023
Instrument	3650774
Transaction Type	Transfer
Record Updated	Nov 16, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,680.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5820 MONROE ST, BAKER, FL 32531-2618

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5978 CREEKSIDE CIR, CRESTVIEW, FL 32536-9359

Mortgage

Document Number	0003650775
Date	Oct 6, 2023
Instrument	3650775

Lender

Name	NEWREZ LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Apr 27, 2018
Property Address	5820 MONROE ST, BAKER, FL 32531-2618
Document Number	0033472974
Book / Page	003347 / 002974
Instrument Date	Apr 25, 2018
Instrument	3203369
Transaction Type	Transfer
Record Updated	May 8, 2018
Title Company	MOULTON LAND TITLE INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,050.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5820 MONROE ST BAKER BAKER FL 32531, BAKER, FL 32531

Mortgage

Document Number	33472975
Date	Apr 27, 2018
Book Page	003347/002975
Instrument	3203370

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 26, 2048

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of July 1, 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	$1,410.00 (+82.88%) Homeowner's exemption	$172,008 (+63.57%)	$175,792 (+9.73%) Land $18,832 Building $156,960
2023	$771.00 (+2.8%) Homeowner's exemption	$105,158 (+3%)	$160,207 (+8.38%) Land $8,975 Building $151,232
2022	$750.00 Homeowner's exemption	$102,095	$147,817 Land $8,388 Building $139,429

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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