5856 Bush Rd, Baker, FL 32531 Property Records

Okaloosa County property record for 5856 Bush Rd, Baker, FL 32531

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,247 sqft · built 2020
Lot Size	13.1 acres (574,556 sqft)
Owner	Individual Name on File
Tax Bill	$3,841 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Sep 2023 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`C56-001-026-8888-4`

Property Details

APN / Parcel Number

Primary APN	`C56-001-026-8888-4`
Alternative APNs	`36-4N-25-0000-0015-005A` `25N43600000015005A`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,247 sqft Living Area
Gross Area	3,202 sqft
1st Floor Area	2,247 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Wood
Lot Area	574,556 sqft (13.1 acres)
Porch	Finished/Open Porch
Porch Area	955 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	5856 BUSH RD
City	BAKER
State	FL
Zip	32531-8714
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM SE COR W 1308 FT N 1353 FT TO POB W 1092 FT S 29 FT W 190.34 FT N 428.24 FT E 1289.58FT S 402.37 FT TO POB
Legal Range	25W
Legal Township	04N
Legal Section	36
Legal Block	15
Legal Lot Number	5A
Jurisdiction	OKALOOSA FL
Township / Civil Division	BAKER
Census Block Group	2
Census Block	2032
Census Tract	20102

Owner

5856 Bush Rd is owned and occupied by an individual who acquired it in July 2025.

Source: Okaloosa County records, as of May 22, 2026

Owner of Record	Individual Name on File
Mailing Address	5856 BUSH RD, BAKER, FL 32531-8714
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Sep 27, 2023	Deed of Trust, Mortgage · VA Mortgage PLANET HOME LENDING LLC
Dec 2, 2022	Warranty Deed, Transfer · VA Mortgage THE MORTGAGE FIRM INC
Dec 13, 2019	Deed of Trust, Mortgage · Construction Mortgage PEN AIR FEDERAL CU
May 13, 2020	Loan Modification, Mortgage PEN AIR FCU
Aug 30, 2019	Warranty Deed, Transfer SETCO SERVICES LLC, SETCO SVCS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 15, 2025
Deed Sale	Jul 15, 2025
Prior Sale	Dec 2, 2022 · Amount on File
Deed Document Number	20253763825
Prior Transfer Date	Jul 8, 2025
Prior Transfer Doc	0003763825
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	5856 BUSH RD, BAKER, FL 32531-8714
Transaction Type	Mortgage
Record Updated	Feb 13, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5856 BUSH RD, BAKER, FL 32531-8714

Mortgage

Document Number	0035540593
Date	Jun 17, 2021
Book Page	3554/593
Instrument	3464296

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	5856 BUSH RD, BAKER, FL 32531-8714
Transaction Type	Mortgage
Record Updated	Feb 13, 2024
Title Company	NOT AVAILABLE, SOURCEPOINT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5856 BUSH RD, BAKER, FL 32531-8714

Mortgage

Document Number	0003648987
Date	Sep 27, 2023
Instrument	3648987

Lender

Name	PLANET HOME LENDING LLC
Type	Mortgage Company
Address	MERIDEN, CT 06450

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Dec 2, 2022
Property Address	5856 BUSH RD, BAKER, FL 32531-8714
Document Number	0036531898
Book / Page	3653 / 1898
Instrument Date	Nov 28, 2022
Instrument	3593971
Transaction Type	Transfer
Record Updated	Feb 13, 2024
Title Company	NAUTILUS TITLE AND ESCROW, NAUTILUS TITLE & ESCROW

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,445.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5856 BUSH RD, BAKER, FL 32531-8714

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5856 BUSH RD, BAKER, FL 32531-8714

Mortgage

Document Number	0036531900
Date	Dec 2, 2022
Instrument	3653/1900

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2052

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	5856 BUSH RD, BAKER, FL 32531-8714
Transaction Type	Mortgage
Record Updated	Apr 21, 2022
Title Company	WEST FLORIDA TITLE OF MILTON

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0034333569
Date	Dec 13, 2019
Book Page	3433/3569
Instrument	3324241

Lender

Name	PEN AIR FEDERAL CU
Type	Credit Union
Address	PENSACOLA, FL 32514

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	Jan 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2031
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.87%
Index	1-Year LIBOR
Max Rate	8.87%

May 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OKALOOSA FL
Property Address	5856 BUSH RD, BAKER, FL 32531-8714
Document Number	0034640312
Instrument Date	May 13, 2020
Transaction Type	Mortgage
Record Updated	Jul 20, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5856 BUSH ROAD BAKER BAKER FL 32531, BAKER, FL 32531

Mortgage

Document Number	0034640312
Date	May 26, 2020
Book Page	003464/000312
Instrument	3360270

Lender

Name	PEN AIR FCU
Type	Credit Union

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 25, 2050

Interest

Rate	3.87%

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Aug 30, 2019
Property Address	5856 BUSH RD, BAKER, FL 32531-8714
Document Number	0034163942
Book / Page	003416 / 003942
Instrument Date	Aug 28, 2019
Instrument	3301881
Transaction Type	Transfer
Record Updated	Sep 19, 2019
Title Company	SETCO SERVICES LLC, SETCO SVCS LLC

Transaction

Amount	Amount on Record
Tax	$507.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2028 FAULK FERRY RD BAKER FL 325317910, BAKER, FL 32531-7910

Tax Assessment & Valuation

The 2025 property tax bill for 5856 Bush Rd was $3,841.

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	$3,841.00	$391,318 Land $69,294 Building $322,024	$391,318 Land $69,294 Building $322,024
2023	$3,661.00 (+94.11%)	$369,443 (+68.85%) Land $61,530 Building $307,913	$369,443 (+7.12%) Land $61,530 Building $307,913
2022	$1,886.00 Homeowner's exemption	$218,800 Land $10,332 Building $208,468	$344,873

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

FEMA maps place 5856 Bush Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 5856 Bush Rd is moderate, ranking above 68% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 68% of the US · above 48% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
CenturyLink DSL	10 / 1

May also be available: AT&T.

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