4332 Fred Ln, Milton, FL 32571 Property Records

Santa Rosa County property record for 4332 Fred Ln, Milton, FL 32571

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,770 sqft · built 2001
Lot Size	0.257 acres (11,195 sqft)
Owner	Individual Name on Record
Last Sale	$164,000 (Jan 2015)
Tax Bill	$721 (2024)
Deeds & Mortgages	Jun 2021 Line of Credit Apr 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-1N-29-5242-00D00-0020`

Property Details

APN / Parcel Number

Primary APN	`10-1N-29-5242-00D00-0020`
Alternative APN	`N29110524200D000020`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,770 sqft Living Area
Gross Area	2,563 sqft
1st Floor Area	1,770 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	11,195 sqft (0.257 acres)
Lot Dimensions	137 ft deep x 82 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	373 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4332 FRED LN
City	MILTON
State	FL
Zip	32571-6255
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SPENCER OAKS LANDING PHASE I LOT 2 BLK D AS DES IN OR 3401 PG 715
Legal Range	29W
Legal Township	1N
Legal Section	10
Legal Subdivision	SPENCER OAKS LND PH2
Legal Block	D
Legal Lot Number	2
Jurisdiction	SANTA ROSA FL
Township / Civil Division	PACE
Census Block Group	2
Census Block	2006
Census Tract	10708

Owner

Source: Santa Rosa County records, as of December 8, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	4332 FRED LN, MILTON, FL 32571-6255
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 7, 2021	Deed of Trust, Mortgage · Line of Credit CENTRAL CREDIT UNION OF FLORIDA
Apr 3, 2018	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL CU/FL
Feb 23, 2018	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 20, 2015 · Amount on Record
Deed Sale	Jan 20, 2015 · Amount on Record
Prior Sale	Aug 20, 2014 · Amount on Record
Deed Document Number	20151950
Deed Book / Page	3401 / 715
Prior Transfer Date	May 7, 2005
Prior Transfer Doc	0025570640
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	4332 FRED LN, PACE, FL 32571-6255
Transaction Type	Mortgage
Record Updated	Feb 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4332 FRED LN, PACE, FL 32571-6255

Mortgage

Document Number	0041281512
Date	Jun 7, 2021
Book Page	4128/1512
Instrument	202137598

Lender

Name	CENTRAL CREDIT UNION OF FLORIDA
Type	Credit Union
Address	PENSACOLA, FL 32522

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	4332 FRED LN, PACE, FL 32571-6255
Document Number	0037170799
Instrument Date	Apr 3, 2018
Transaction Type	Mortgage
Record Updated	Jun 13, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4332 PRED LN PACE FL 32571, PACE, FL 32571

Mortgage

Document Number	0037170799
Date	Apr 10, 2018
Book Page	003717/000799
Instrument	14005

Lender

Name	CENTRAL CU/FL
Type	Credit Union
Address	PENSACOLA, FL 32522

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 9, 2048

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	4332 FRED LN, PACE, FL 32571-6255
Document Number	0037061444
Instrument Date	Feb 23, 2018
Transaction Type	Mortgage
Record Updated	Mar 19, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4332 FRED LN PACE FL 325716255, PACE, FL 32571-6255

Mortgage

Document Number	0037061444
Date	Mar 5, 2018
Book Page	003706/001444
Instrument	8325

Lender

Name	CENTRAL CU
Type	Credit Union
Address	PENSACOLA, FL 32522

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 4, 2048

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		$80,084 (+2.9%)	$247,903 (+6.8%) Land $40,000 Building $207,903
2024	$721.00 (+53.4%) Homeowner's exemption	$77,827 (+3%)	$232,110 (+0.96%) Land $38,000 Building $194,110
2023	$470.00 (+2.17%) Homeowner's exemption	$75,560 (+3%)	$229,913 (+10.39%) Land $38,000 Building $191,913
2022	$460.00 Homeowner's exemption	$73,359	$208,270 Land $27,000 Building $181,270

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 Record median of 22 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	22 in force
Nearby Flood Claims	3 (2004–2020)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Sep 2020 · Hurricane Sally

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	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

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	PACE WATER SYSTEM, INC. private · serves 49,328 people · EPA ID FL1570671
Water Source	Groundwater
Last State Inspection	Jun 2024
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	1 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 318 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T, Hotwire Communications.

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