5822 Dairy Rd, Baker, FL 32531 Property Records

Okaloosa County property record for 5822 Dairy Rd, Baker, FL 32531

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,615 sqft · built 2019
Lot Size	0.78 acres (33,977 sqft)
Owner	2 Individual Names on Record
Last Sale	$456,900 (Oct 2021)
Tax Bill	$4,439 (2025)
Deeds & Mortgages	May 2026 Mortgage Jan 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-597-4836-8`

Property Details

APN / Parcel Number

Primary APN	`C56-000-597-4836-8`
Alternative APNs	`31-4N-24-0000-0006-0040` `24N431000000060040`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,615 sqft Living Area
Gross Area	3,871 sqft
1st Floor Area	2,615 sqft
Flooring	Carpet
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Wood
Lot Area	33,977 sqft (0.78 acres)
Lot Width	150 ft Width
Garage Type	Attached
Garage Area	714 sqft
Porch	Finished/Open Porch
Porch Area	542 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	5822 DAIRY RD
City	BAKER
State	FL
Zip	32531-2606
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG 2032.4 FT S & 25 FT W OF NE COR LOT 8 S150.42 FT N81 DEG W226 FT N4 DEG W146 FT S85 DEG E238.5 FT TO BEG 1102-531
Legal Range	24W
Legal Township	04N
Legal Section	31
Legal Block	6
Legal Lot Number	8
Jurisdiction	OKALOOSA FL
Township / Civil Division	BAKER
Census Block Group	2
Census Block	2035
Census Tract	20102

Owner

Source: Okaloosa County records, as of August 27, 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	5822 DAIRY RD, BAKER, FL 32531-2606
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 20, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Jan 16, 2024	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
May 14, 2018	Deed of Trust, Mortgage · Construction Mortgage CENTENNIAL BANK
Oct 29, 2021	Warranty Deed, Transfer · FHA Mortgage FLAT BRANCH HOME LOANS INC
Sep 11, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2021 · Amount on Record
Deed Sale	Oct 29, 2021 · Amount on Record
Prior Sale	Apr 29, 2019 · Amount on Record
Deed Document Number	20213501248
Deed Book / Page	3583 / 4318
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Recording Date	May 20, 2026
Property Address	5822 DAIRY RD, BAKER, FL 32531-2606
Document Number	0003817799
Instrument Date	May 4, 2026
Instrument	20263817799
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5822 DAIRY RD, BAKER, FL 32531-2606

Mortgage

Document Number	0003817799,
Date	May 20, 2026
Instrument	20263817799

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	306 Months
Due	Nov 1, 2051

Interest

Rate	6.46%
Max Rate	-1%

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	5822 DAIRY RD, BAKER, FL 32531-2606
Transaction Type	Mortgage
Record Updated	Feb 15, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5822 DAIRY RD, BAKER, FL 32531-2606

Mortgage

Document Number	0003666132
Date	Jan 16, 2024
Instrument	3666132

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	334 Months
Due	Nov 1, 2051

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	5822 DAIRY RD, BAKER, FL 32531-2606
Transaction Type	Mortgage
Record Updated	Apr 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0033493910
Date	May 14, 2018
Book Page	3349/3910
Instrument	3206377

Lender

Name	CENTENNIAL BANK
Type	Bank
Address	DESTIN, FL 32541

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	17 Months
Due	Oct 27, 2019

Interest

Rate Type	Adjustable Rate

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Oct 29, 2021
Property Address	5822 DAIRY RD, BAKER, FL 32531-2606
Document Number	0035834318
Book / Page	3583 / 4318
Instrument Date	Oct 27, 2021
Instrument	3501248
Transaction Type	Transfer
Record Updated	Apr 21, 2022
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,198.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5822 DAIRY RD, 5822, BAKER, FL 32531-2606

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	379 BROWN PL, CRESTVIEW, FL 32539-5768

Mortgage

Document Number	0035834320
Date	Oct 29, 2021
Book Page	3583/4320
Instrument	3501249

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company
Address	COLUMBIA, MO 65201

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Sep 11, 2017
Property Address	5822 DAIRY RD, BAKER, FL 32531-2606
Document Number	0033170453
Book / Page	003317 / 000453
Instrument Date	Sep 7, 2017
Instrument	3159247
Transaction Type	Transfer
Record Updated	Mar 1, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$196.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1551 LENA ST BAKER FL 325318482, BAKER, FL 32531-8482

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	$4,439.00 (+5.36%) Homeowner's exemption	$490,271 (+5.99%)	$513,311 (+5.16%) Land $19,880 Building $493,431
2023	$4,213.00 (+2.06%) Homeowner's exemption	$462,577 (+3%)	$488,138 (+8.69%) Land $16,890 Building $471,248
2022	$4,128.00 Homeowner's exemption	$449,104 Land $15,785 Building $433,319	$449,104 Land $15,785 Building $433,319

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	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 56% of the US · lower than 72% 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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