4098 Buford Ln, Milton, FL 32583 Property Records

Santa Rosa County property record for 4098 Buford Ln, Milton, FL 32583

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,291 sqft · built 1995
Lot Size	0.591 acres (25,744 sqft)
Owner	2 Individual Names on File
Tax Bill	$653 (2024)
Deeds & Mortgages	Mar 2023 Mortgage Sep 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`21-1N-28-0000-04500-0000`

Property Details

APN / Parcel Number

Primary APN	`21-1N-28-0000-04500-0000`
Alternative APN	`N281210000045000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,291 sqft Living Area
Gross Area	2,035 sqft
1st Floor Area	1,291 sqft
Utility Area	9 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	25,744 sqft (0.591 acres)
Garage Type	Attached
Garage Area	383 sqft
Parking Spaces	1 Parking Space
Porch	Finished/Open Porch
Porch Area	80 sqft
Patio Area	272 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4098 BUFORD LN
City	MILTON
State	FL
Zip	32583-7623
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1M
Legal Description	LOT 24 RONNIE WOODS UNREC SUB COM AT SE CORN OF NW4 OF SE4 THN N043'W 497.76 FT TO POB THN S8930'50W 242.55 FT TO E R/W OF BUFORD LN THN N029'10 W ON RD 105.29 FT THN N8930' 50E 242.12 FT THN S0*43'E 105 .29 FT TO TH POB AS DES IN OR 2799 PG 1740
Legal Range	28W
Legal Township	1N
Legal Section	21
Legal Subdivision	RONNIE WOODS
Legal Lot Number	24
Jurisdiction	SANTA ROSA FL
Township / Civil Division	BAGDAD
Census Block Group	2
Census Block	2024
Census Tract	10709

Owner

Source: Santa Rosa County records, as of May 22, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	4098 BUFORD LN, MILTON, FL 32583-7623
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 14, 2023	Deed of Trust, Mortgage · FHA Mortgage GOODLEAP LLC
Sep 28, 2021	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 15, 2008
Deed Sale	Jan 15, 2008
Prior Sale	Jan 15, 2008 · Amount on File
Deed Document Number	20081650
Deed Book / Page	2799 / 1745
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	4098 BUFORD LN, MILTON, FL 32583-7623
Transaction Type	Mortgage
Record Updated	Apr 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4098 BUFORD LN, MILTON, FL 32583-7623

Mortgage

Document Number	0043741697
Date	Mar 14, 2023
Book Page	4374/1697
Instrument	202310363

Lender

Name	GOODLEAP LLC
Type	Non-Lending Institution
Address	ROSEVILLE, CA 95661

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	4098 BUFORD LN, MILTON, FL 32583-7623
Transaction Type	Mortgage
Record Updated	Oct 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4098 BUFORD LN, MILTON, FL 32583-7623

Mortgage

Document Number	0041831814
Date	Sep 28, 2021
Book Page	4183/1814
Instrument	202164467

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Oct 19, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of December 8, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Santa Rosa County
Unified School District	Santa Rosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$88,371 (+2.9%)	$162,961 (+1.78%) Land $20,000 Building $142,961
2024	$653.00 (+3.32%) Homeowner's exemption	$85,880 (+3%)	$160,108 (+1.04%) Land $20,000 Building $140,108
2023	$632.00 (+3.61%) Homeowner's exemption	$83,379 (+3%)	$158,465 (+9.34%) Land $20,000 Building $138,465
2022	$610.00 Homeowner's exemption	$80,950	$144,931 Land $14,000 Building $130,931

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 November 18, 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
Flood Insurance Cost	Premium on File median of 56 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	56 in force
Nearby Flood Claims	6 (2017–2023)
Claims Outside the SFHA	4 of 6
Most Recent Claim	Feb 2023 · other causes
Claims by Event	Hurricane Sally, Sep 2020 · 4 claims

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 42% of Florida
Wildfire Likelihood	0.3% 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	BAGDAD-GARCON POINT WATER SYSTEM public/private · serves 10,896 people · EPA ID FL1570042
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	3 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 152 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50

May also be available: AT&T.

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