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6399 Ray Cotton Rd, Baker, FL 32531 Property Records

Okaloosa County property record for 6399 Ray Cotton Rd, Baker, FL 32531

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,323 sqft · built 1958
Lot Size6 acres (261,360 sqft)
Owner2 Individual Names on Record
Last Sale$125,000 (Mar 2018)
Tax Bill$540 (2025)
Deeds & MortgagesMar 2018 Sale
Flood ZoneZone X (minimal risk)
APNC56-000-596-0279-7

Property Details

APN / Parcel Number

Primary APNC56-000-596-0279-7
Alternative APNs
  • 20-4N-25-0000-0007-0000
  • 25N420000000070000

Interior

Bedrooms3 Beds
Full Baths1 Bath
Stories1 Story
Building Area1,323 sqft Living Area
Gross Area1,928 sqft
1st Floor Area1,323 sqft
FlooringWood
Interior WallsWood

Exterior

Year BuiltBuilt 1958
Effective Year BuiltEffective 1958
Exterior MaterialWood
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area261,360 sqft (6 acres)
Garage TypeCarport
Garage Area513 sqft
CarportCarport
Carport Area513 sqft
PorchFinished/Open Porch
Porch Area92 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Street Address6399 RAY COTTON RD
CityBAKER
StateFL
Zip32531-8219
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionN511.23 FT OF W511.23 FT OF NW1/4 OF NW1/4
Legal Range25W
Legal Township04N
Legal Section20
Legal Block7
JurisdictionOKALOOSA FL
Township / Civil DivisionBAKER
Census Block Group3
Census Block3073
Census Tract20102

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 Record2 Individual Names on Record
Mailing Address6399 RAY COTTON RD, BAKER, FL 32531-8219
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 14, 2018 · Amount on Record
Deed SaleMar 14, 2018 · Amount on Record
Prior SaleMay 29, 2015
Deed Document Number20183194121
Deed Book / Page3341 / 1168
Prior Transfer DateAug 14, 2015
Prior Transfer Doc0032161990
Record UpdatedOct 29, 2026

March 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOKALOOSA FL
Recording DateMar 14, 2018
Property Address6399 RAY COTTON RD, BAKER, FL 32531-8219
Document Number0033411168
Book / Page003341 / 001168
Instrument DateMar 8, 2018
Instrument3194121
Transaction TypeTransfer
Record UpdatedMar 26, 2018
Title CompanyMAIN STREET LAND TITLE COMPANY

Transaction

AmountAmount Recorded
Tax$875.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address6399 RAY COTTON RD BAKER FL 325318219, BAKER, FL 32531-8219

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of December 31, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOkaloosa County
Unified School DistrictOkaloosa County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$540.00 (+10.43%) Homeowner's exemption Disabled Person's exemption$85,623 (+5.99%)$145,307 (+8.02%) Land $49,719 Building $95,588
2023$489.00 (-5.05%) Homeowner's exemption Disabled Person's exemption$80,786 (+3%)$134,515 (+8.03%) Land $42,242 Building $92,273
2022$515.00 Homeowner's exemption Disabled Person's exemption$78,433$124,519 Land $39,478 Building $85,041

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies9 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 RiskModerate
above 64% of the US · above 40% of Florida
Wildfire Likelihood0.2% annual chance
ExposureDirect
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 SystemBAKER WATER SYSTEM, INC.
serves 2,930 people · EPA ID FL1460043
Water SourceGroundwater
Last State InspectionMar 2024
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 2 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Starlink
Satellite		280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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