6549 Hwy 4 W, Baker, FL 32531 Property Records

Okaloosa County property record for 6549 Hwy 4 W, Baker, FL 32531

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,038 sqft · built 1959
Lot Size	26 acres (1,134,302 sqft)
Owner	2 Individual Names on File
Tax Bill	$117 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Feb 2018 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-595-3381-0`

Property Details

APN / Parcel Number

Primary APN	`C56-000-595-3381-0`
Alternative APNs	`16-4N-25-0000-0002-0000` `25N416000000020000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	3,038 sqft Living Area
Gross Area	5,714 sqft
1st Floor Area	2,235 sqft
Upper Floors Area	864 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 2000
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	1,134,302 sqft (26 acres)
Garage Type	Carport
Garage Area	735 sqft
Carport	Carport
Carport Area	735 sqft
Porch	Slab
Porch Area	421 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	6549 HIGHWAY 4 W
City	BAKER
State	FL
Zip	32531-8257
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SW1/4 OF NE1/4 & NW1/4 OF SE1/4 N OF RD EX PART SOLD
Legal Range	25W
Legal Township	04N
Legal Section	16
Legal Block	2
Jurisdiction	OKALOOSA FL
Township / Civil Division	BAKER
Census Block Group	3
Census Block	3001
Census Tract	20102

Owner

6549 Hwy 4 W is owned and occupied by two individuals who acquired it in January 2017.

Source: Okaloosa County records, as of August 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	6549 HIGHWAY 4 W, BAKER, FL 32531-8257
Occupancy	Owner Occupied
Owner Type	Individual

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 30, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 1, 2018	Deed of Trust, Mortgage · Commercial Mortgage CCB COMMUNITY BANK
Jan 5, 2017	Warranty Deed, Transfer ATTORNEY ONLY
Jan 5, 2017	Warranty Deed, Transfer ATTORNEY ONLY
Jan 5, 2017	Warranty Deed, Transfer ATTORNEY ONLY
Feb 15, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
Jan 5, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 5, 2017
Deed Sale	Jan 5, 2017
Deed Document Number	20173110660
Deed Book / Page	3282 / 2908
Prior Transfer Date	Dec 29, 2016
Prior Transfer Doc	0032872254
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	6549 HIGHWAY 4 W, BAKER, FL 32531-8257
Transaction Type	Mortgage
Record Updated	Jul 19, 2022
Title Company	BRIGHT LIGHT LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6549 HIGHWAY 4 W, BAKER, FL 32531-8257

Mortgage

Document Number	0036302129
Date	Jun 30, 2022
Book Page	3630/2129
Instrument	3561282

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	6549 HIGHWAY 4 W, BAKER, FL 32531-8257
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0033353417
Date	Feb 1, 2018
Book Page	3335/3417
Instrument	3186229

Lender

Name	CCB COMMUNITY BANK
Type	Bank
Address	NICEVILLE, FL 32578

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jan 5, 2017
Property Address	6549 HIGHWAY 4 W, BAKER, FL 32531-8257
Document Number	0032822904
Book / Page	003282 / 002904
Instrument Date	Dec 29, 2016
Instrument	3110658
Transaction Type	Transfer
Record Updated	Jan 19, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5236 GLEN SUE LN CRESTVIEW FL 32536, CRESTVIEW, FL 32536

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jan 5, 2017
Property Address	6549 HIGHWAY 4 W, BAKER, FL 32531-8257
Document Number	0032822908
Book / Page	003282 / 002908
Instrument Date	Dec 29, 2016
Instrument	3110660
Transaction Type	Transfer
Record Updated	Jan 19, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1365 W HIGHWAY 98 #401 MARY ESTHER FL 325692520, 401, MARY ESTHER, FL 32569-2520

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jan 5, 2017
Property Address	6549 HIGHWAY 4 W, BAKER, FL 32531-8257
Document Number	0032822906
Book / Page	003282 / 002906
Instrument Date	Dec 29, 2016
Instrument	3110659
Transaction Type	Transfer
Record Updated	Jan 19, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	184 MEDLEY DR CRESTVIEW FL 325362460, CRESTVIEW, FL 32536-2460

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OKALOOSA FL
Recording Date	Feb 15, 2017
Property Address	6549 HIGHWAY 4 W, BAKER, FL 32531-8257
Document Number	0032872254
Book / Page	003287 / 002254
Instrument Date	Dec 29, 2016
Instrument	3117818
Transaction Type	Transfer
Record Updated	Mar 17, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4003 BAY POINTE DR GULF BREEZE FL 325632915, GULF BREEZE, FL 32563-2915

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jan 5, 2017
Property Address	6549 HIGHWAY 4 W, BAKER, FL 32531-8257
Document Number	0032822910
Book / Page	003282 / 002910
Instrument Date	Dec 29, 2016
Instrument	3110661
Transaction Type	Transfer
Record Updated	Jan 19, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6591 HIGHWAY 4 W BAKER FL 325318257, BAKER, FL 32531-8257

Tax Assessment & Valuation

The 2025 property tax bill for 6549 Hwy 4 W was $117 with exemptions applied.

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	$117.00 Homeowner's exemption Veteran's exemption	$394,855	$408,023 Land $96,429 Building $311,594
2023	$162.00 (+4.52%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$319,901 (+25.18%) Land $20,311 Building $299,590	$385,941 (+19.73%)
2022	$155.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$255,561 Land $19,570 Building $235,991	$322,342

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 6549 Hwy 4 W 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	9 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 6549 Hwy 4 W is moderate, ranking above 66% 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 66% of the US · above 44% 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.

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

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	25 / 3

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Hwy 4 W

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures