4370 Stephens Rd, Milton, FL 32571 Property Records

Santa Rosa County property record for 4370 Stephens Rd, Milton, FL 32571

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,768 sqft · built 1976
Lot Size	0.327 acres (14,240 sqft)
Owner	2 Individual Names on Record
Last Sale	$242,500 (Jun 2024)
Tax Bill	$1,515 (2024)
Deeds & Mortgages	Jan 2026 Mortgage Oct 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-1N-29-4930-00C00-0170`

Property Details

APN / Parcel Number

Primary APN	`16-1N-29-4930-00C00-0170`
Alternative APN	`N29116493000C000170`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,768 sqft Living Area
Gross Area	2,211 sqft
1st Floor Area	1,768 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1986
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	14,240 sqft (0.327 acres)
Garage Type	Attached
Garage Area	312 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	16 sqft
Deck Area	Deck Area
Patio Area	115 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4370 STEPHENS RD
City	MILTON
State	FL
Zip	32571-2259
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	DESCRIPTION UPDATED FOR 2024 SHERIDAN WOODS REPLAT PORT OF LOT 17 BLK C DES AS: BEG AT NE COR OF LOT 17 OF SECTION 16 TOWNSHIP 1 NORTH RANGE 29 WEST THN N882600W ON N LN OF LOT 17 FOR 127.23 FT TO CURV (R=25ANG=950432) GO ON ARC OF CURV 41.48 FT
Legal Range	29W
Legal Township	1N
Legal Section	16
Legal Subdivision	SHERIDAN WOODS
Legal Block	C
Legal Lot Number	17
Jurisdiction	SANTA ROSA FL
Township / Civil Division	PACE
Census Block Group	2
Census Block	2031
Census Tract	10705

Owner

Source: Santa Rosa County records, as of March 6, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	4370 STEPHENS RD, MILTON, FL 32571-2259
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2026	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Oct 26, 2023	Warranty Deed, Transfer CLEAR TITLE/NW FL LLC, CLEAR TTL OF NORTHWEST FL LL
Aug 7, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2024 · Amount on Record
Deed Sale	Jun 28, 2024 · Amount on Record
Prior Sale	Oct 26, 2023 · Amount on Record
Deed Document Number	202428954
Deed Book / Page	4516 / 1580
Prior Transfer Date	Aug 4, 2023
Prior Transfer Doc	0044220497
Record Updated	Jun 8, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	4370 STEPHENS RD, PACE, FL 32571-2259
Transaction Type	Mortgage
Record Updated	Feb 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4370 STEPHENS RD, MILTON, FL 32571-2259

Mortgage

Document Number	0047021371
Date	Jan 28, 2026
Book Page	4702/1371
Instrument	202604287

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2046

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Oct 26, 2023
Property Address	4370 STEPHENS RD, PACE, FL 32571-2259
Document Number	0044451223
Book / Page	4445 / 1223
Map Reference	MB C PG 25
Instrument Date	Oct 25, 2023
Instrument	202348240
Transaction Type	Transfer
Record Updated	Dec 6, 2023
Title Company	CLEAR TITLE/NW FL LLC, CLEAR TTL OF NORTHWEST FL LL

Transaction

Amount	Amount Recorded
Tax	$1,015.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1236 JASPER ST, CANTONMENT, FL 32533-7726

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5553 HIGHWAY 90, PACE, FL 32571-1540
Investor	Possibly a Property Investor

August 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA ROSA FL
Recording Date	Aug 7, 2023
Property Address	4370 STEPHENS RD, PACE, FL 32571-2259
Document Number	0044220497
Book / Page	4422 / 497
Map Reference	MB C PG 25
Instrument Date	Aug 4, 2023
Instrument	202335458
Transaction Type	Transfer
Record Updated	Sep 12, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4370 STEPHENS RD, PACE, FL 32571-2259

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1236 JASPER ST, CANTONMENT, FL 32533-7726

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		$160,321 (+39.9%) Land $20,000 Building $140,321	$160,321 (+39.9%) Land $20,000 Building $140,321
2024	$1,515.00 (+137.09%)	$114,599 (+22.68%) Land $20,000 Building $94,599	$114,599 (-23.83%) Land $20,000 Building $94,599
2023	$639.00 (-4.48%) Homeowner's exemption Disabled Person's exemption	$93,410 (+3%)	$150,453 (+1.09%) Land $20,000 Building $130,453
2022	$669.00 Homeowner's exemption Disabled Person's exemption	$90,689	$148,831 Land $20,000 Building $128,831

Assessed value is set for property tax purposes, not a market price estimate; it is 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 18 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	18 in force
Nearby Flood Claims	27 (1979–2020)
Claims Outside the SFHA	24 of 27
Most Recent Claim	Sep 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

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	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 208 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
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Cox Communications.

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