4505 River Ranch Rd, Milton, FL 32583 Property Records

Santa Rosa County property record for 4505 River Ranch Rd, Milton, FL 32583

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,171 sqft · built 1979
Lot Size	0.968 acres (42,166 sqft)
Owner	Individual Name on Record
Last Sale	$302,000 (Aug 2013)
Tax Bill	$1,792 (2024)
Deeds & Mortgages	Apr 2020 Mortgage
Flood Zone	Zone AE (high risk)
APN	`14-1N-28-3410-00100-0011`

Property Details

APN / Parcel Number

Primary APN	`14-1N-28-3410-00100-0011`
Alternative APN	`N281143410001000011`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,171 sqft Living Area
Gross Area	3,676 sqft
1st Floor Area	1,376 sqft
Upper Floors Area	795 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	42,166 sqft (0.968 acres)
Lot Dimensions	218 ft deep x 20 ft wide
View / Lot	River
Garage Type	Carport
Garage Area	800 sqft
Carport	Carport
Carport Area	800 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	263 sqft
Deck Area	72 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	4505 RIVER RANCH RD
City	MILTON
State	FL
Zip	32583-3226
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR1
Legal Description	RIVER RANCH PORT OF LOT 1 BLK 1 DES AS: BEG AT SE CORN OF LOT 1 THN N191133W ON W LN OF LOT 1 BLK 3 & W R/W OF RIVER RD 124.80 FT THN S7305 19W 84.98 FT THN S52*3642W 144.75 FT TO CONC MNT & CONT .6 FT +/- TO BLACKWATER BAY THN MEANDERING SE ALNG B
Legal Range	28W
Legal Township	1N
Legal Section	14
Legal Subdivision	RIVER RANCH
Legal Block	1
Legal Lot Number	1
Jurisdiction	SANTA ROSA FL
Township / Civil Division	EAST MILTON
Census Block Group	2
Census Block	2042
Census Tract	10809

Owner

Source: Santa Rosa County records, as of December 8, 2025

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

Owner of Record	Individual Name on Record
Mailing Address	4505 RIVER RANCH RD, MILTON, FL 32583-3226
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2013 · Amount on Record
Deed Sale	Aug 1, 2013 · Amount on Record
Deed Document Number	201343638
Deed Book / Page	3273 / 2051
Last Transfer Date	Sep 9, 2014
Transfer Doc	0033710845
Record Updated	Jun 8, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	4505 RIVER RANCH RD, MILTON, FL 32583-3226
Document Number	0039481991
Instrument Date	Apr 22, 2020
Transaction Type	Mortgage
Record Updated	Jun 25, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4505 RIVER RANCH RD MILTON FL 325833226, MILTON, FL 32583-3226

Mortgage

Document Number	0039481991
Date	May 8, 2020
Book Page	003948/001991
Instrument	21969

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 7, 2035

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		$191,450 (+2.9%)	$343,488 (+4.92%) Land $140,044 Building $203,444
2024	$1,792.00 (+2.05%) Homeowner's exemption	$186,054 (+3%)	$327,370 (+9.57%) Land $129,670 Building $197,700
2023	$1,756.00 (+2.51%) Homeowner's exemption	$180,635 (+3%)	$298,790 (+0.98%) Land $103,736 Building $195,054
2022	$1,713.00 Homeowner's exemption	$175,374	$295,896 Land $103,736 Building $192,160

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	11.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 98 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	98 in force
Nearby Flood Claims	236 (1978–2020)
Claims Outside the SFHA	11 of 236
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 42 claims Hurricane Frances, Sep 2004 · 73 claims Hurricane Opal, Oct 1995 · 20 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	Moderate above 67% of the US · above 46% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

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	EAST MILTON WATER SYSTEM public/private · serves 17,292 people · EPA ID FL1570232
Water Source	Groundwater
Last State Inspection	Feb 2023
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	None 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 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50