4484 Gainer Ave, Milton, FL 32583 Property Records

Santa Rosa County property record for 4484 Gainer Ave, Milton, FL 32583

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,072 sqft · built 2006
Lot Size	0.242 acres (10,542 sqft)
Owner	2 Individual Names on Record
Last Sale	$76,000 (Jul 2015)
Tax Bill	$150 (2024)
Deeds & Mortgages	Jan 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-1N-28-5740-00000-1380`

Property Details

APN / Parcel Number

Primary APN	`17-1N-28-5740-00000-1380`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,072 sqft Heated Area
Gross Area	1,252 sqft
1st Floor Area	1,072 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Exterior Material	Vinyl
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	10,542 sqft (0.242 acres)
Lot Dimensions	1,320 ft deep x 800 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	80 sqft
Patio Area	100 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	171N285740000001380
Street Address	4484 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 138 AS DES IN OR 3444 PG 2018 LESS ALL MINERAL RTS
Legal Range	28W
Legal Township	01N
Legal Section	17
Legal Subdivision	WEST
Legal Lot Number	138
Jurisdiction	SANTA ROSA FL
Township / Civil Division	PACE
Census Block Group	1
Census Block	1002
Census Tract	10711

Owner

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

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 Record	2 Individual Names on Record
Mailing Address	4484 GAINER AVE, MILTON, FL 32583-1752
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2015 · Amount on Record
Deed Sale	Jul 15, 2015 · Amount on Record
Prior Sale	Feb 10, 2015 · Amount on Record
Deed Document Number	201525910
Deed Book / Page	3444 / 2018
Record Updated	Jun 8, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	4484 GAINER AVE, MILTON, FL 32583-1752
Document Number	0039111007
Instrument Date	Jan 16, 2020
Transaction Type	Mortgage
Record Updated	Mar 13, 2020
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4484 GAINER AVE MILTON FL 325831752, MILTON, FL 32583-1752

Mortgage

Document Number	0039111007
Date	Jan 22, 2020
Book Page	003911/001007
Instrument	3268

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 21, 2050

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	$150.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$81,687 (+3%)	$131,026 (+4.46%) Land $27,000 Building $104,026
2023	Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed	$79,308	$125,434 Land $22,000 Building $103,434

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	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.

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