4454 Oak Ln, Milton, FL 32583 Property Records

Santa Rosa County property record for 4454 Oak Ln, Milton, FL 32583

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,056 sqft · built 2017
Lot Size	0.192 acres (8,364 sqft)
Owner	2 Individual Names on Record
Last Sale	$125,000 (Nov 2019)
Tax Bill	$1,749 (2024)
Deeds & Mortgages	Nov 2019 Sale & Mortgage Feb 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-1N-28-2890-00B00-0110`

Property Details

APN / Parcel Number

Primary APN	`18-1N-28-2890-00B00-0110`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,056 sqft Heated Area
Gross Area	1,278 sqft
1st Floor Area	1,056 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Exterior Material	Vinyl
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	8,364 sqft (0.192 acres)
Lot Dimensions	1,200 ft deep x 700 ft wide
Porch	Open Porch
Porch Area	102 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	181N28289000B000110
Street Address	4454 OAK LN
City	MILTON
State	FL
Zip	32583-1626
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1M
Legal Description	OAK RIDGE PARK LOT 11 BLK B AS DES IN OR 3894 PG 497
Legal Range	28W
Legal Township	01N
Legal Section	18
Legal Subdivision	OAK RIDGE PARK
Legal Block	B
Legal Lot Number	11
Jurisdiction	SANTA ROSA FL
Township / Civil Division	AVALON-MULAT
Census Block Group	1
Census Block	1013
Census Tract	10711

Owner

Source: Santa Rosa County records, as of October 27, 2025

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	601 SPIETH CT, LADY LAKE, FL 32159-3227
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 27, 2019	Warranty Deed, Transfer · VA Mortgage NAVY FCU
Feb 8, 2017	Warranty Deed, Subdivision Related Transfer · Conventional with PMI NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 27, 2019 · Amount on Record
Deed Sale	Nov 27, 2019 · Amount on Record
Prior Sale	Feb 8, 2017 · Amount on Record
Deed Document Number	201953689
Deed Book / Page	3894 / 0497
Record Updated	Jun 8, 2026

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Nov 27, 2019
Property Address	4454 OAK LN, MILTON, FL 32583-1626
Document Number	0038940497
Book / Page	003894 / 000497
Instrument Date	Nov 22, 2019
Instrument	53689
Transaction Type	Transfer
Record Updated	Feb 7, 2020
Title Company	GUARANTEE TITLE/NW FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$875.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4454 OAK LN MILTON FL 325831626, MILTON, FL 32583-1626

Mortgage

Document Number	38940499
Date	Nov 27, 2019
Book Page	003894/000499
Instrument	53690

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 26, 2049

February 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Feb 8, 2017
Property Address	4454 OAK LN, MILTON, FL 32583-1626
Document Number	0035970139
Book / Page	003597 / 000139
Instrument Date	Jan 31, 2017
Instrument	4929
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 18, 2017
Title Company	GUARANTEE TITLE/NORTHWEST FL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$642.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4454 OAK LN MILTON FL 32583, MILTON, FL 32583

Mortgage

Document Number	35970143
Date	Feb 8, 2017
Book Page	003597/000143
Instrument	4932

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Feb 7, 2047

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of July 1, 2024

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
2024	$1,749.00 (-1.19%)	$131,822 (+0.44%) Land $10,500 Building $121,322	$131,822 (+0.44%) Land $10,500 Building $121,322
2023	$1,770.00 (+7.08%)	$131,241 (+5.25%) Land $10,500 Building $120,741	$131,241 (+5.25%) Land $10,500 Building $120,741
2022	$1,653.00	$124,697	$124,697 Land $9,800 Building $114,897

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 Record median of 12 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	2 (2014–2020)
Claims Outside the SFHA	2 of 2
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	0.04% 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 210 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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