985 Sarah Dr, Baker, FL 32531 Property Records

Okaloosa County property record for 985 Sarah Dr, Baker, FL 32531

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,456 sqft · built 1966
Lot Size	2.44 acres (106,286 sqft)
Owner	2 Individual Names on Record
Last Sale	$210,000 (Jul 2020)
Tax Bill	$2,045 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-001-053-3170-6`

Property Details

APN / Parcel Number

Primary APN	`C56-001-053-3170-6`
Alternative APNs	`35-4N-25-0000-0004-0010` `25N435000000040010`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,456 sqft Living Area
Gross Area	4,952 sqft
1st Floor Area	3,456 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	106,286 sqft (2.44 acres)
Garage Type	Attached
Garage Area	540 sqft
Porch	Enclosed/Unfinished Porch
Porch Area	767 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	985 SARAH DR
City	BAKER
State	FL
Zip	32531-8245
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM SE COR OF SEC N 74.49 FT W 1251.96 FT N 1146.89 FT W 36FT N 86.65 FT E 724.97 FT TO POB E344.43 FT S 346.78 FT ALG CURVE 85.57 FT W 265.71 FT N 306.04 FT TO POB
Legal Range	25W
Legal Township	04N
Legal Section	35
Legal Block	4
Legal Lot Number	10
Jurisdiction	OKALOOSA FL
Township / Civil Division	BAKER
Census Block Group	3
Census Block	3011
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	985 SARAH DR, BAKER, FL 32531-8245
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2020 · Amount on Record
Deed Sale	Jul 22, 2020 · Amount on Record
Prior Sale	Jul 31, 2013 · Amount on Record
Deed Document Number	20203375143
Deed Book / Page	3477 / 1070
Record Updated	Oct 29, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jul 22, 2020
Property Address	985 SARAH DR, BAKER, FL 32531-8245
Document Number	0034771070
Book / Page	3477 / 1070
Instrument Date	Jul 21, 2020
Instrument	3375143
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	ALLURE TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,470.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9503 COLLETON PL, 9503, MONTGOMERY, AL 36117-8436

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	985 SARAH DR, BAKER, FL 32531-8245

Mortgage

Document Number	0034771072
Date	Jul 22, 2020
Instrument	3477/1072

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 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	$2,045.00 (+6.07%) Homeowner's exemption	$238,697 (+5.99%)	$331,640 (+5.05%) Land $21,766 Building $309,874
2023	$1,928.00 (+2.28%) Homeowner's exemption	$225,214 (+3%)	$315,705 (+8.42%) Land $18,492 Building $297,213
2022	$1,885.00 Homeowner's exemption	$218,654	$291,184 Land $17,282 Building $273,902

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	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

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

Wildfire Risk	Moderate above 47% of the US · lower than 82% of Florida
Wildfire Likelihood	0.09% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 10 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

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