4-Bedroom Detached Single Family in MILL CREEK FARMS
1543 Mill Creek Drive, Baker, FL 32531
Detached Single Family in MILL CREEK FARMS, Baker · No CDD on record
MILL CREEK FARMS · Baker, FL 32531 · Okaloosa County
Listing data updated October 1, 2026 · refreshed hourly
4Bedrooms
2Bathrooms
2016Year Built
2-car garageNo CDD on recordFEMA Zone X4 bedrooms
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
Buyer leverage
Buyer advantage
178 days on market
6.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~199 ft elevation
$2k–$3k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 1, 2026, 1543 Mill Creek Drive in Mill Creek Farms, Baker is listed at $525,000. That is 17% above Mill Creek Farms's median closed sale of $448,950 over the last 12 months (4 recorded sales). It has been 178 days on market, longer than the community's typical 102 days to contract. Listing facts: built in 2016. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2016 · 10 yrs
2-car garage
178 days on market
Listing description
About this home
Are you searching for privacy, peace, and true country living? Look no further, this is the home you've been waiting for. Tucked away at the end of the subdivision, this stunning Randy Wise-built home offers the perfect blend of seclusion and style.
From the moment you arrive, you're welcomed by a custom extra wide driveway and sidewalk that extends beyond the fence for a RV or boat, leading to a spacious side-entry garage. This Craftsman-style home showcases timeless design paired with modern comfort. The heart of the home features an open-concept living, dining, and kitchen area--ideal for both everyday living and entertaining.
Throughout the 4-bedroom, 2-bath layout, you'll find elegant upgrades including crown molding throughout, 6-inch baseboards, and granite countertops. The kitchen is a true showstopper, complete with professional-grade stainless steel appliances, custom cabinetry, and a large island that overlooks the family room. The private primary suite offers a relaxing retreat with plush carpeting and a spa-inspired bathroom featuring an oversized walk-in shower with glass enclosure, garden style soaking tub and an expansive walk-in closet.
Enjoy year-round outdoor living in the Florida room, built by Titan Sunrooms, featuring impact glass windows for comfort and durability, as well as a split AC/Heat unit. Step outside to a beautifully manicured, fully irrigated backyard oasis. The fully fenced yard also includes a 14x14 outbuilding constructed with brick and Hardie board, perfect for storage or hobbies.
For buyers peace of mind and energy efficiency, spray foam is in the attic for extra insullation, and there is a termite bond with Bryan Pest Control. This exceptional property truly has it all, come and view today.
All 53 photos
Description provided by Berkshire Hathaway Home Services PenFed Realty and reproduced from the MLS; not independently verified.
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$525,000
Bed / bath4 / 2
Year built2016
Property typeDetached Single Family
Garage2-car
MLS #999885
Listing status178 days on market (MLS)
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~199 ft
CountyOkaloosa
Area listings2 active · 0 under contract
Estimated first-year tax~$5,512/yr
CDD assessmentNone on record
HOANot reported
Calculated estimates
Estimated monthly payment$3,437
Insurance (illustrative)$2k–$3k/yr
Comparable-sales median$448,950
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$3,437/mo
Principal & interest $2,803/mo82%
Taxes $459/mo13%
Insurance $175/mo5%
$3,437/mo at 20% down, 30-yr @ 7.03% · edit any field to update.
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$5,512/yr
Estimate: a typical Okaloosa effective rate applied to the list price before any exemptions. Florida bills change with reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$2k–$3k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
Not reported
Not stated in the listing. Confirm with the listing agent or the county record; $0 is used in the payment estimate.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~199 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Okaloosa County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Hazard risk
Natural hazard risk
FEMA National Risk Index for Okaloosa County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneVery High
Coastal floodingRelatively Moderate
Inland floodingRelatively Moderate
Heat waveRelatively Moderate
WildfireRelatively Low
TornadoRelatively High
LightningVery High
Strong windRelatively Moderate
DroughtVery Low
HailVery Low
Cold waveRelatively Moderate
Winter weatherRelatively Low
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Property timeline
This home’s history
2016BuiltPer public record
About Apr 2026Listed (per MLS)MLS reports 178 cumulative days on market as of October 1, 2026
Aug 4, 2026First seen on movewithmomentum.comObserved at $525,000
NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Transparency
Price & listing history
Listed for $525,000Momentum Realty · on market 178 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
No closed sales of a similar home within about 10 miles in Okaloosa County in the last 18 months are in our MLS data set, so this page shows no comparable-sales median or automated estimate for MILL CREEK FARMS. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
Momentum Scores
Momentum Property Score
55/100
Strongest on: Flood safety (95), Insurance cost (80)
0 limited50100 exceptional
55/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Affordability22
List price $525,000 vs the community median $448,950. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~199 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2016 build. Obtain a property-specific quote.
Market liquidity24
Community median 102 days on market, ~6.0 months of supply (12-month record).
Pricing power56
Recent sales closed at about 96.7% of original asking (~3.3% below). More room below asking generally favors buyers.
Coverage: 5 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟢 Buyer-leaning conditions around this listing. 6.0 months of supply in the surrounding market and 178 days on market for this home, against a 102-day area median.Days on market:this home 178Area median: 102 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate. As of September 20, 2026.
89% of homes in MILL CREEK FARMS are owner-occupied. An estimated 11% are non-owner-occupied, including 5% held in a company or trust and 1% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 73 homes matched. Community-level context.
Recent MILL CREEK FARMS sales closed near 96.7% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Emerald Coast MLS records, community-level, 12 months ending September 20, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 2 active listings in MILL CREEK FARMS, no CDD assessment.
Updated October 1, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Berkshire Hathaway Home Services PenFed Realty · MLS # 999885
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Keep looking
Similar homes for sale near MILL CREEK FARMS
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jun 2026 · Civic
DeSantis signs state budget with funding for Okaloosa County projects
Governor DeSantis signed the state budget that included roughly $15 million for 20 Okaloosa County projects, among them $5 million for the Northwest Florida State College Workforce Innovation Center in Niceville, $1.5 million for Shalimar Bridge Park, and $3 million for Destin road and drainage work. About $7.26 million in other local requests were vetoed.
Why it matters: Directs state funding toward workforce, park, road, and drainage infrastructure across Okaloosa County, supporting public facilities and capacity in Niceville, Shalimar, and Destin. The site is about 17 miles southwest of Mill Creek Farms.
Okaloosa commissioners approve master plan for 392-lot River Park subdivision in Crestview
Okaloosa County commissioners unanimously approved the master plan for River Park, a 392 lot single family subdivision on 263 acres east of Main Drive and north of Airport Road in Crestview. The project by River Park Landing LLC will be built in three phases, with each phase requiring a separate development order approval.
Why it matters: Adds substantial single family housing supply to the Crestview market and phases new residential construction onto a large tract in north Okaloosa County. The project is about 11 miles west of Mill Creek Farms, elsewhere in Okaloosa County.
Okaloosa County opens $212M Southwest Crestview Bypass
Okaloosa County opened the $212 million Southwest Crestview Bypass, a 3.5 mile four lane corridor connecting Antioch Road to State Road 85 with access from U.S. Highway 90. The project includes a 1,713 foot bridge, sidewalks, a multi use path, and direct access to the new Pineview K-8 school opening in August 2026.
Why it matters: Adds a major four lane traffic corridor serving southwest Crestview and expands regional road capacity for surrounding growth in north Okaloosa County. The project is about 14 miles west of Mill Creek Farms, elsewhere in Okaloosa County.
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Schools currently assigned to this address in Okaloosa County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
BakerAssigned elementary school · Okaloosa County School District
BakerAssigned middle school · Okaloosa County School District
BakerAssigned high school · Okaloosa County School District
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 1543 Mill Creek Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2016: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
Confirm whether a mandatory HOA applies to this parcel and what it charges.
FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
Get a homeowners insurance quote for this specific address in Okaloosa County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Confirm square footage and room dimensions independently.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $5,512/yr) assumes reassessment at the list price; the seller's current bill is not a guide Exemptions and portability change the actual bill — confirm with the county property appraiser.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Provenance
Data sources & freshness
Listing record
Emerald Coast MLS, refreshed hourly (last: October 1, 2026)
Comparable sales
Fewer than 3 defensible closed sales within about 10 miles in Okaloosa County — no medians or automated estimate shown
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Typical county effective rate applied to the list price; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of Emerald Coast MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 1543 Mill Creek Drive and when was it built?
Per the listing record, 1543 Mill Creek Drive was built in 2016 and has 4 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 1543 Mill Creek Drive in?
1543 Mill Creek Drive is in Mill Creek Farms in Baker, Okaloosa County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
Why might property taxes on 1543 Mill Creek Drive differ from the current owner's?
The estimate on this page (about $5,512 per year) assumes reassessment at the list price less the homestead exemption. Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 1543 Mill Creek Drive in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 1543 Mill Creek Drive in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
