8284 Bowen Rd, Baker, FL 32531 Property Records

Okaloosa County property record for 8284 Bowen Rd, Baker, FL 32531

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,371 sqft · built 1937
Lot Size	1.04 acres (45,302 sqft)
Owner	Individual Name on Record
Tax Bill	$118 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Jun 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-001-054-9782-0`

Property Details

APN / Parcel Number

Primary APN	`C56-001-054-9782-0`
Alternative APNs	`03-5N-24-2770-0000-030C` `24N50327700000030C`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,371 sqft Living Area
Gross Area	3,235 sqft
1st Floor Area	2,371 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1937
Effective Year Built	Effective 2013
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	45,302 sqft (1.04 acres)
Garage Type	Carport
Garage Area	480 sqft
Carport	Carport
Carport Area	480 sqft
Porch	Finished/Open Porch
Porch Area	684 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	8284 BOWEN RD
City	BAKER
State	FL
Zip	32531-7212
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ESCAMBIA FARMS UNIT 30 PORTION DES AS: COM NW COR UNIT 30 N87 DEG E 1304.87FT S4 DEG W 603.03FT TO POB S78 DEG E 213.56FT S19 DEG W 213.97FT N72 DEG W 235.8FT N26 DEG E 193.69FT TO POB
Legal Range	24W
Legal Township	05N
Legal Section	03
Legal Subdivision	ESCAMBIA FARMS
Legal Lot Number	30C
Legal Unit	30
Jurisdiction	OKALOOSA FL
Township / Civil Division	BAKER
Census Block Group	1
Census Block	1011
Census Tract	20102

Owner

Source: Okaloosa County records, as of December 31, 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
Mailing Address	8284 BOWEN RD, BAKER, FL 32531-7212
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2026	Deed of Trust, Mortgage · VA Mortgage PLANET HOME LENDING
Jun 5, 2019	Deed of Trust, Mortgage · VA Mortgage MAGNOLIA BANK
Nov 9, 2020	Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 19, 2014
Transfer Doc	0031381263
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Recording Date	Jun 30, 2026
Property Address	8284 BOWEN RD, BAKER, FL 32531-7212
Document Number	0003825080
Instrument Date	Jun 10, 2026
Instrument	20263825080
Transaction Type	Mortgage
Record Updated	Jul 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8284 BOWEN RD, BAKER, FL 32531-7212

Mortgage

Document Number	0003825080,
Date	Jun 30, 2026
Instrument	20263825080

Lender

Name	PLANET HOME LENDING

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.36%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	8284 BOWEN RD, BAKER, FL 32531-7212
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TRANSTAR NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0034021648
Date	Jun 5, 2019
Book Page	3402/1648
Instrument	3282286

Lender

Name	MAGNOLIA BANK
Type	Bank
Address	CAMPBELLSVILLE, KY 42718

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2049

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	8284 BOWEN RD, BAKER, FL 32531-7212
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8284 BOWEN RD, BAKER, FL 32531-7212

Mortgage

Document Number	0035042787
Date	Nov 9, 2020
Book Page	3504/2787
Instrument	3406055

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company
Address	HENDERSON, NV 89052

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

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	$118.00 (+13.46%) Homeowner's exemption Veteran's exemption	$153,273 (+5.99%)	$266,036 (+4.09%) Land $9,016 Building $257,020
2023	$104.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$144,615 (+3%)	$255,582 (+8.64%) Land $7,660 Building $247,922
2022	$104.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$140,403	$235,250 Land $7,159 Building $228,091

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	2 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 65% of the US · above 41% 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	OKALOOSA WATERWORKS (FORMERLY BLACKMAN) private · serves 812 people · EPA ID FL1464068
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	6 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	1 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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
CenturyLink DSL	60 / 5

Cell Coverage

5G and 4G LTE (outdoors only)

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