Santa Rosa County property record for 4505 Arcadia St, Milton, FL 32583
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,358 sqft · built 2018 |
| Lot Size | 0.203 acres (8,843 sqft) |
| Owner | Individual Name on File |
| Last Sale | $260,000 (May 2023) |
| Tax Bill | $1,936 (2024) |
| Deeds & Mortgages | Oct 2025 Mortgage May 2023 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-1N-28-5740-00000-1030 |
| Primary APN | 17-1N-28-5740-00000-1030 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,358 sqft Heated Area |
| Gross Area | 1,842 sqft |
| 1st Floor Area | 1,610 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Shingle |
| Lot Area | 8,843 sqft (0.203 acres) |
| Lot Dimensions | 1,230 ft deep x 720 ft wide |
| Garage Area | 252 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 120 sqft |
| Patio Area | 112 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 171N285740000001030 |
|---|---|
| Street Address | 4505 ARCADIA ST |
| City | MILTON |
| State | FL |
| Zip | 32583-1729 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1M |
| Legal Description | WEST MILTON HEIGHTS 2ND ADD LOT 103 AS DES IN OR 4394 PG 798 |
| Legal Range | 28W |
| Legal Township | 01N |
| Legal Section | 17 |
| Legal Subdivision | WEST |
| Legal Lot Number | 103 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | PACE |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 10711 |
4505 Arcadia St is owned and occupied by an individual who bought it in May 2023.
Source: Santa Rosa County records, as of October 27, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 4505 ARCADIA ST, MILTON, FL 32583-1729 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 10, 2025 | Deed of Trust, Mortgage · FHA Mortgage OUTAMATION INC |
| May 12, 2023 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Feb 22, 2022 | Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC |
| Aug 14, 2020 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC |
| Jan 7, 2019 | Warranty Deed, Subdivision Related Transfer · VA Mortgage UNIVERSITY LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 12, 2023 · Amount on File |
| Deed Sale | May 12, 2023 · Amount on File |
| Prior Sale | Jan 7, 2019 · Amount on File |
| Deed Document Number | 202320862 |
| Deed Book / Page | 4394 / 798 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 4505 ARCADIA ST, MILTON, FL 32583-1729 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2025 |
| Name | Verified Name |
|---|---|
| Address | 4505 ARCADIA ST, MILTON, FL 32583-1729 |
| Document Number | 0046680393 |
|---|---|
| Date | Oct 10, 2025 |
| Book Page | 4668/393 |
| Instrument | 202547931 |
| Name | OUTAMATION INC |
|---|---|
| Type | Non-Lending Institution |
| Address | FORT LAUDERDALE, FL 33323 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Oct 1, 2065 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | May 12, 2023 |
| Property Address | 4505 ARCADIA ST, MILTON, FL 32583-1729 |
| Document Number | 0043940798 |
| Book / Page | 4394 / 798 |
| Map Reference | MB B PG 49 |
| Instrument Date | May 11, 2023 |
| Instrument | 202320862 |
| Transaction Type | Transfer |
| Record Updated | May 30, 2023 |
| Title Company | TRADEWINDS TITLE COMPANY LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,820.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6304 LONG ST, PENSACOLA, FL 32504-7353 |
| Name | Verified Name |
|---|---|
| Address | 4505 ARCADIA ST, MILTON, FL 32583-1729 |
| Document Number | 0004394801 |
|---|---|
| Date | May 12, 2023 |
| Instrument | 4394/801 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Document Number | 0043940816 |
|---|---|
| Date | May 12, 2023 |
| Book Page | 4394/816 |
| Instrument | 202320864 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 4505 ARCADIA ST, MILTON, FL 32583-1729 |
| Transaction Type | Mortgage |
| Record Updated | Apr 8, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0042481082 |
|---|---|
| Date | Feb 22, 2022 |
| Book Page | 4248/1082 |
| Instrument | 202210183 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 4505 ARCADIA ST, MILTON, FL 32583-1729 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 4505 ARCADIA ST, MILTON, FL 32583-1729 |
| Document Number | 0039900119 |
|---|---|
| Date | Aug 14, 2020 |
| Book Page | 3990/119 |
| Instrument | 202041217 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jan 7, 2019 |
| Property Address | 4505 ARCADIA ST, MILTON, FL 32583-1729 |
| Document Number | 0037950699 |
| Book / Page | 003795 / 000699 |
| Instrument Date | Jan 4, 2019 |
| Instrument | 524 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 27, 2019 |
| Title Company | CLEAR TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,032.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4505 ARCADIA ST MILTON FL 32583, MILTON, FL 32583 |
| Document Number | 37950701 |
|---|---|
| Date | Jan 7, 2019 |
| Book Page | 003795/000701 |
| Instrument | 525 |
| Name | UNIVERSITY LNDG |
|---|---|
| Address | SOUTHFIELD, MI 48034 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 6, 2049 |
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 | $1,936.00 (+65.47%) Homeowner's exemption | $193,731 (+44.56%) Land $27,000 Building $166,731 | $193,731 (+3.59%) Land $27,000 Building $166,731 |
| 2023 | $1,170.00 (+3.45%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $134,010 (+3%) | $187,023 (+7.37%) Land $22,000 Building $165,023 |
| 2022 | $1,131.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $130,107 | $174,188 Land $18,000 Building $156,188 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4505 Arcadia St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2014.
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 File 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 risk around 4505 Arcadia St is moderate, ranking above 42% of the US, with a 0.07% annual chance of 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.
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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