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4251 Willow St, Milton, FL 32571 Property Records

Santa Rosa County property record for 4251 Willow St, Milton, FL 32571

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,325 sqft · built 1986
Lot Size0.286 acres (12,458 sqft)
Owner2 Individual Names on File
Last Sale$102,000 (Dec 2006)
Tax Bill$1,738 (2025)
Deeds & MortgagesAug 2026 Line of Credit
Aug 2026 Sale
Flood ZoneZone X (minimal risk)
APN23-1N-29-1210-05000-0011

Property Details

APN / Parcel Number

Primary APN23-1N-29-1210-05000-0011
Alternative APN
  • N291231210050000011

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area1,325 sqft Living Area
Gross Area1,621 sqft
1st Floor Area1,325 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1986
Effective Year BuiltEffective 1986
Exterior MaterialBrick
Construction TypeWood
Foundation TypeMasonry
Roof TypeGable/Hip
Roof MaterialWood Shingle
Lot Area12,458 sqft (0.286 acres)
Lot Dimensions100 ft deep x 125 ft wide

Exterior Amenities

PorchSlab
Porch Area176 sqft
Deck Area120 sqft
Shed1 Shed
Shed Area3 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address4251 WILLOW ST
CityMILTON
StateFL
Zip32571-2240
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionENH LIFE ESTATE RESERVED IN: FLORIDATOWN E 1/2 OF LOT 1 BLK 50 AS DES IN OR 2681 PG 2037 & OR 3112 PG 1585 & OR 3348 PG 1298
Legal Range29W
Legal Township1N
Legal Section23
Legal SubdivisionFLORIDATOWN
Legal Block50
Legal Lot Number1
JurisdictionSANTA ROSA FL
Township / Civil DivisionPACE
Census Block Group2
Census Block2035
Census Tract10705

Owner

4251 Willow St is owned by two individuals who acquired it in December 2011.

Source: Santa Rosa County records, as of September 29, 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 Record2 Individual Names on File
Mailing Address4306 7TH AVE, MILTON, FL 32571-1818
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 20, 2026Deed of Trust, Mortgage · Line of Credit
NAVY FEDERAL CREDIT UNION
Aug 4, 2026Warranty Deed, Transfer
NONE LISTED ON DOCUMENT

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 18, 2006 · Amount on File
Deed SaleDec 18, 2006 · Amount on File
Prior SaleNov 24, 1999 · Amount on File
Deed Document Number200667862
Deed Book / Page2681 / 2037
Last Transfer DateDec 23, 2011
Transfer Doc0031121585
Record UpdatedOct 29, 2026

August 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Recording DateAug 20, 2026
Property Address4251 WILLOW ST, MILTON, FL 32571-2240
Document Number0000042218
Book / Page4780 / 999
Instrument DateAug 14, 2026
Instrument202642218
Transaction TypeMortgage
Record UpdatedSep 29, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address6769 OSER RD, MILTON, FL 32570-8553

Mortgage

Document Number0000042218,
DateAug 20, 2026
Book Page4780/999
Instrument202642218
Lender
NameNAVY FEDERAL CREDIT UNION
Agreement
TypeLine of Credit
AmountAmount on Record
Term481 Months
DueSep 1, 2066
Interest
Max Rate-1%

August 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateAug 4, 2026
Property Address4251 WILLOW ST, MILTON, FL 32571-2240
Document Number0000039269
Book / Page4774 / 1862
Instrument DateAug 4, 2026
Instrument202639269
Transaction TypeTransfer
Record UpdatedSep 15, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

AmountAmount on Record
Tax$70.70
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4306 7TH AVE, PACE, FL 32571-1818

Tax Assessment & Valuation

The 2025 property tax bill for 4251 Willow St was $1,738, up 5.3% from the year before.

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

Property Jurisdictions

TypeName
StateFlorida
CountySanta Rosa County
Unified School DistrictSanta Rosa County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,738.00 (+5.33%)$147,577 (+1.86%) Land $26,268 Building $121,309$147,577 (+1.86%) Land $26,268 Building $121,309
2024$1,650.00 (+4.1%)$144,878 (+3.25%) Land $26,268 Building $118,610$144,878 (+3.25%) Land $26,268 Building $118,610
2023$1,585.00 (+7.9%)$140,314 (+7.97%) Land $25,406 Building $114,908$140,314 (+7.97%) Land $25,406 Building $114,908
2022$1,469.00$129,956$129,956 Land $21,531 Building $108,425

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4251 Willow St in Zone X, an area of minimal flood risk, though there have been 27 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective November 18, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 18 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies18 in force
Nearby Flood Claims27 (1979–2020)
Claims Outside the SFHA24 of 27
Most Recent ClaimSep 2020 · Hurricane Sally
Claims by Event
  • Hurricane Sally, Sep 2020 · 6 claims
  • Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 8 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

Wildfire risk around 4251 Willow St is moderate, ranking above 56% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire RiskModerate
above 56% of the US · lower than 72% of Florida
Wildfire Likelihood0.1% annual chance
ExposureDirect
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 SystemPACE WATER SYSTEM, INC.
private · serves 49,328 people · EPA ID FL1570671
Water SourceGroundwater
Last State InspectionJun 2024
Lead3 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 194 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Mediacom Xtream
Cable		1,000 / 50
Verizon
Fixed Wireless		300 / 20

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