**Home Sweet Lake Home with 2 Master Suites!** Enjoy the best value for your money in this property. This charming 4-bedroom, 3-bath custom built lake home on 3.91 acres offers an idyllic country retreat with quick and easy access to local bases, beaches, and shopping centers, making your commute a breeze. Two driveways off Old River Road welcome you to this home, which has an full-width covered front porch and screened-in back porch. A brand-new dock, built earlier this year, allows you to walk out over the serene lake, shared with only one other property owner. As you enter the home, you'll be immediately drawn to the stunning floor-to-ceiling rock fireplace (gas), perfect for cozying up on the cooler winter days ahead of us. The home features big, tall windows and an open floor plan, vaulted ceilings with beautiful tongue-and-groove, wood and ceramic tile floors, a very large dining area and it will all be just PERFECT for those large family holiday gatherings! The spacious kitchen is a dream with ample solid wood cabinets with the bottom cabinets all having slide-out shelving, tons countertop space in beautiful butcher block, and sleek black stainless appliances. The home has cedar siding, all newer windows (2018), two water heaters (2018), a newer HVAC system (2018), and roof was installed in 2005. Plus, the home is prepped for generator hookup. This home has two master bedrooms, each with its own full bathroom, providing the ultimate in comfort and privacy. The split floor plan offers additional seclusion for the main master suite. The second master bedroom is ideal for family members or guests, ensuring everyone has their own space to unwind. The remaining two bedrooms are generously sized, sharing the hall bath, and each offers picturesque views of the back yard and the lake. Don't miss the second-story bonus room - this hidden gem is accessible via the pull-down attic stairs in the fourth bedroom. It is fully finished, heated and cooled and has it's own closet. It would be perfect for a private office, craft room, or climate-controlled storage (hello, Spring/Fall/Christmas décor storage area). The possibilities are endless. Again, the outdoor space is equally impressive as the home. Start your day with a cup of coffee on the screened in back porch. Then lunch and dinner cooked in the covered grilling area with your very own entertainment bar, plus another stunning view of the lake. The backyard is fully fenced and also includes a covered carport with an attached workshop, with it's own A/C. The front yard has a large barn/shop with a loft (sold As-Is). Termite Contract in place, Clear WDO/Termite Inspection in April 2024, Septic pumped & inspected in April, 2024. There's even a Loquat tree right outside your back door, yum! This one is all the things. Peaceful. Serene. Scenic. Comfortable. Spacious. Don't miss this opportunity. This country retreat is ready to be your "Home-Sweet-Lake-Home." Schedule your showing today!
Seeking that Country Getaway from all the hustle and bustle without sacrificing the commute to local bases, beaches, and shopping centers? Well then, this 4-bedroom 3 bath home on 3.1 acres is ready for you to call it ''Home-Sweet-Home''. Property has two access points of Old River Road. Step in and you will right away be drawn to the floor to ceiling massive fireplace to keep you cozy during the cool months. Accented tongue and groove ceilings, wood and ceramic tile floors are just some of the appealing features of this home. The open floor plan provides the ideal location to entertain family and friends. Kitchen boasts ample butcher block counter space and cabinet space to meet all your cooking needs along with the black stainless-steel appliances. Split floor plan allows privacy as you retreat into your master bedroom with beautiful views of your yard as well as the neighboring pond. The other 3 bedrooms are very spacious, and all provide stunning views of your property. One of the bedrooms has its very own bathroom perfect for a guest room or that added privacy for a family member. Ready for a surprise? Pull down the attic stairs in the second bedroom and climb right on up...that's right...a hidden room that is heated and cooled. Perfect for a private office, craft room, or climate-controlled storage. Enjoy your morning coffee on the massive (screened in) back or front porch as you listen to the birds bring in the sunrise. There is also a perfect covered area for grilling as well as a entertainment bar area.Backyard over looks the neighboring lake.Covered Carport with shop building as well as large barn/shop with loft (as is). Home has two 2018 Water Heaters. Hvac is 2019. Roof 2005 Prepped for generator hook up. Schedule your showing today.
Public Records
Mar 18, 2024
Sold
$290,000
$127/sq ft
ECAR #808821
Oct 31, 2018
Sold
$169,000
$74/sq ft
Oct 31, 2018
Sold
$169,000
$74/sq ft
Oct 8, 2018
Listed
$169,900
$75/sq ft
+19
What a peaceful setting for this 4 bedroom, 3 bath REO home on 3.1 acres. The home backs up to a lake and is surrounded by beautiful trees. It's easy to believe you are in a lodge in the woods with front and rear decks, nature abounding with a small pond to boot. The home features a stone fireplace, tongue and groove ceilings, hard wood and ceramic tile and with a little love could be your dream forever home. All this and a short drive to town, shopping, schools and employment opportunities.
Public Records
May 23, 2018
Sold
$55,100
$24/sq ft
ECAR #419747
Aug 16, 2006
Sold
$293,000
$129/sq ft
Aug 16, 2006
Sold
$293,000
$129/sq ft
Feb 20, 2006
Listed
$299,900
$132/sq ft
Feb 20, 2006
Listed
$299,900
$132/sq ft
Public Records
Jun 20, 2006
Sold
$313,500
$138/sq ft
Public Records
Jun 16, 1999
Sold
$155,000
$68/sq ft
Year
Property tax
Land + Additions
Assessment*
2025
$3,480 (+144.7%)
$80,510 + $272,097
$352,607
2023
$1,422 (+4.4%)
2022
$1,362 (+0.1%)
2021
$1,361 (+1.0%)
2020
$1,347 (+1.1%)
2019
$1,332 (−33.3%)
2018
$1,997 (+31.6%)
$45,045 + $135,243
$180,288
2017
$1,517 (+2.6%)
2016
$1,478 (−2.6%)
2015
$1,517 (−1.4%)
$43,733 + $118,716
$162,449
2014
$1,538
Tax history for 5540 Old River Rd
Year
Property tax
Land + Additions
Assessment*
2025
$3,480 (+144.7%)
$80,510 + $272,097
$352,607
2023
$1,422 (+4.4%)
2022
$1,362 (+0.1%)
2021
$1,361 (+1.0%)
2020
$1,347 (+1.1%)
2019
$1,332 (−33.3%)
2018
$1,997 (+31.6%)
$45,045 + $135,243
$180,288
2017
$1,517 (+2.6%)
2016
$1,478 (−2.6%)
2015
$1,517 (−1.4%)
$43,733 + $118,716
$162,449
2014
$1,538
*Taxable value of land and structures on it ("additions") is determined regularly by local assessors and does not affect market price.
Public record
Public record
Zoning
Beds
4
Baths
3
Stories
2
Lot width
—
Lot depth
—
Lot size
3.1 Acres
Year renovated
1992
Sq. Ft.
2,280
Year built
1992
Style
Single Family Residential
County
Okaloosa County
APN
103N24000000090000
Parking Spaces
—
Basement
—
Accessible
—
HOA Dues
—
Garage
—
Features
—
Last updated by owner on Jul 10, 2026.
AA
Agriculture District
The purpose of the agriculture AA district is to provide areas for production of plants and animals useful to humans, including to a variable extent the preparation of plant and animal products for human use by sale or otherwise and includes aquaculture, horticulture, floriculture, viticulture, silviculture, dairy, livestock, poultry, bees, and any and all forms of farm products and farm production. This district is also suitable for preservation of green spaces, conservation uses, outdoor recreation uses, very low-density residential uses, and public/institutional uses.
Exterior: Deck Open, Dock, Fenced Back Yard, Fenced Lot-Part, Porch, Porch Open, Porch Screened, Workshop, Yard Building
Lot Information
Acreage: 3.91
Lot Dimensions: 750X570X357X91
Waterfront: Lake, Pond
Waterfront Feet: 565'
Lot Features: Aerials/Topo Availbl, Cleared, Survey Available, Within 1/2 Mile to Water
Lot/Parcel Access: County Road, Paved Road
Zoning: County, Residential Single Family
Building Information
Construction Status: Construction Complete
Construction/Siding: Frame, Roof Composite Shngl, Siding Wood, Slab, Trim Wood
Financial
Tax Information
Last Tax Year: 2023
Last Taxes: 1421.84
Financial Information
Mortgage Type: VA
Financing: Conventional, FHA, RHS, VA
Brokerage Interest: No Interest
Buyer
Buyer
Utilities
Utility Information
Utilities: Electric, Phone, Public Water, Septic Tank, TV Cable
Energy: AC - Central Elect, Ceiling Fans, Heat Cntrl Electric, Ridge Vent, Water Heater - Elect, Water Heater - Two +, Whole House Fan
Location
School Information
Elementary School: Baker
Middle School: Baker
High School: Baker
Location Information
Sub Area: 2510 - Baker & Milligan
Area: 25 - Crestview Area
Street #: 5540
Street Name: Old River
Street Suffix: Road
City: Baker
County: Okaloosa
State: FL
Zip Code: 32531
Project Name/Subdivision: METES & BOUNDS
Absolute Longitude: 86.633645
Longitude: -86.633645
Latitude: 30.776745
Directions: From the intersection of Hwy. 85 and Hwy. 90 in Crestview, head west on Hwy 90. Turn right onto Old River Rd (just passed Sunoco Station). Property will be on the left, 5540 Old River Rd.
Public facts
Beds: 4
Baths: 3.0
Sq. Ft.: 2,280
Stories: 2.0
Lot Size: 3.1 acres
Style: Single Family Residential
Year Built: 1992
Year Renovated: 1992
County: Okaloosa County
APN: 103N24000000090000
Home facts updated by county records on Jul 10, 2026
Other
Listing Price Information
List Price: 495000.00
List Price/SqFt: 217.11
Property Information
Apx SqFt(Htd/Cooled): 2280.00
Below Ground SqFt: 0.00
Design: Country
Is Homestead
Sub-Type: Detached Single Family
Waterview: Lake, Pond
Listing Information
As Is
Around this home
Schools
Baker School
Public PreK-12 • Assigned • 3.0mi
7/10
Provided by GreatSchools
Lifestyle
Provided by Walk Score and Local Logic
Climate risks
1/10 Flood Factor
Minimal risk of a flood reaching the building in the next 30 years
4/10 Fire Factor
2% chance of being in a wildfire in next 30 years
8/10 Heat Factor
7 days above 107° expected this year, 19 days in 30 years
9/10 Wind Factor
99% chance of strong winds in next 30 years
2/10 Air Factor
1 unhealthy days expected this year, 1 days in 30 years
Provided by First Street
Historical weather
Baker, FL • 32531
Average low and high temperatures (°F)
60
38
70
47
77
52
82
58
85
65
90
71
92
75
88
72
88
69
82
58
74
53
65
43
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Sun exposure
In this area, properties receive around 9.1 hours in
June and 5.2 hours in December, which is comparable to the
U.S. average for solar exposure.
9.1 hrs
5.2 hrs
JuneDecember
Provided by Shadowmap
Estimated sale price
$488,000 – $591,000
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