Santa Rosa County property record for 4480 Gainer Ave, Milton, FL 32583
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,056 sqft · built 2006 |
| Lot Size | 0.242 acres (10,542 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $140,000 (Jul 2020) |
| Tax Bill | $150 (2024) |
| Deeds & Mortgages | Mar 2017 Mortgage Jul 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-1N-28-5740-00000-1370 |
| Primary APN | 17-1N-28-5740-00000-1370 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,056 sqft Heated Area |
| Gross Area | 1,258 sqft |
| 1st Floor Area | 1,056 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Exterior Material | Vinyl |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Shingle |
| Lot Area | 10,542 sqft (0.242 acres) |
| Lot Dimensions | 1,320 ft deep x 800 ft wide |
| Porch | Open Porch |
|---|---|
| Porch Area | 102 sqft |
| Patio Area | 100 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 171N285740000001370 |
|---|---|
| Street Address | 4480 GAINER AVE |
| City | MILTON |
| State | FL |
| Zip | 32583-1752 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1M |
| Legal Description | WEST MILTON HEIGHTS 2ND ADD LOT 137 AS DES IN OR 3977 PG 1433 |
| Legal Range | 28W |
| Legal Township | 01N |
| Legal Section | 17 |
| Legal Subdivision | WEST |
| Legal Lot Number | 137 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | PACE |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 10711 |
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 | 4480 GAINER AVE, MILTON, FL 32583-1752 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 27, 2017 | Deed of Trust, Mortgage · Conventional Mortgage SANTA ROSA COUNTY FCU |
| Jul 17, 2020 | Warranty Deed, Transfer · VA Mortgage USAA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 17, 2020 · Amount on Record |
| Deed Sale | Jul 17, 2020 · Amount on Record |
| Prior Sale | Nov 14, 2013 · Amount on Record |
| Deed Document Number | 202035468 |
| Deed Book / Page | 3977 / 1433 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 4480 GAINER AVE, MILTON, FL 32583-1752 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CLEAR TITLE |
| Name | Verified Name |
|---|
| Document Number | 0036090795 |
|---|---|
| Date | Mar 27, 2017 |
| Book Page | 3609/0795 |
| Instrument | 201711561 |
| Name | SANTA ROSA COUNTY FCU |
|---|---|
| Type | Credit Union |
| Address | MILTON, FL 32572 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 27, 2032 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jul 17, 2020 |
| Property Address | 4480 GAINER AVE, MILTON, FL 32583-1752 |
| Document Number | 0039771433 |
| Book / Page | 003977 / 001433 |
| Instrument Date | Jul 16, 2020 |
| Instrument | 35468 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2020 |
| Title Company | FIRST INT'L TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $980.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4480 GAINER AVE MILTON FL 325831752, MILTON, FL 32583-1752 |
| Document Number | 39771435 |
|---|---|
| Date | Jul 17, 2020 |
| Book Page | 003977/001435 |
| Instrument | 35469 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 16, 2050 |
Source: Santa Rosa County assessment roll, as of July 1, 2024
| Type | Name |
|---|---|
| State | Florida |
| County | Santa Rosa County |
| Unified School District | Santa Rosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2024 | $150.00 (-83.62%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $112,846 (+3%) | $134,872 (+4.34%) Land $27,000 Building $107,872 |
| 2023 | $916.00 (+3.74%) Homeowner's exemption | $109,559 (+3%) | $129,258 (+7.74%) Land $22,000 Building $107,258 |
| 2022 | $883.00 Homeowner's exemption | $106,368 | $119,977 Land $18,000 Building $101,977 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · lower than 86% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% 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.
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 |
| 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.
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 |
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