Santa Rosa County property record for 4513 River Ranch Rd, Milton, FL 32583
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 4,290 sqft · built 2013 |
| Lot Size | 0.811 acres (35,327 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $1,031,776 (Jul 2025) |
| Tax Bill | $8,634 (2025) |
| Deeds & Mortgages | Sep 2026 Reverse Mortgage Oct 2022 Transfer |
| Flood Zone | Zone AE (high risk) |
| APN | 14-1N-28-0000-00101-0000 |
| Primary APN | 14-1N-28-0000-00101-0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 4,290 sqft Living Area |
| Gross Area | 6,284 sqft |
| 1st Floor Area | 2,640 sqft |
| Upper Floors Area | 1,650 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Masonry |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 35,327 sqft (0.811 acres) |
| Lot Dimensions | 274 ft deep x 129 ft wide |
| View / Lot | River |
| Garage Type | Attached |
| Garage Area | 736 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Florida Room |
|---|---|
| Porch Area | 1,040 sqft |
| Deck Area | 120 sqft |
| Patio Area | 98 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4513 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 | *DESCRIPTION UPDATE FOR 2025* BEG AT PT 788 FT S & 387 FT W OF NE CORN SEC OF SECTION 14 TOWNSHIP 1 NORTH RANGE 28 WEST TH S 125 FT TH S87*42'W 255 FT TO BLACKWATER BAY TH MEANDER NWLY ALG WTR TO A PT S87*42'W OF POB TH N87*42'E 298 FT TO POB AS DES |
| Legal Range | 28W |
| Legal Township | 1N |
| Legal Section | 14 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | EAST MILTON |
| Census Block Group | 2 |
| Census Block | 2042 |
| Census Tract | 10809 |
Source: Santa Rosa County records, as of October 5, 2026
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 | 4513 RIVER RANCH RD, MILTON, FL 32583-3226 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 4, 2026 | Deed of Trust, Mortgage · Reverse Mortgage MORTGAGE MORTGAGE |
| Oct 12, 2022 | Intrafamily Transfer, Transfer ACCOMMODATION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 30, 2025 · Amount on Record |
| Deed Sale | Jul 30, 2025 · Amount on Record |
| Deed Document Number | 202535075 |
| Deed Book / Page | 4642 / 1859 |
| Prior Transfer Date | Feb 15, 2011 |
| Prior Transfer Doc | 0030390509 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Sep 4, 2026 |
| Property Address | 4513 RIVER RANCH RD, MILTON, FL 32583-3226 |
| Document Number | 0000044874 |
| Book / Page | 4785 / 1374 |
| Instrument Date | Aug 26, 2026 |
| Instrument | 202644874 |
| Transaction Type | Mortgage |
| Record Updated | Oct 5, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 4513 RIVER RANCH RD, MILTON, FL 32583-3226 |
| Investor | Possibly a Property Investor |
| Document Number | 0000044874, |
|---|---|
| Date | Sep 4, 2026 |
| Book Page | 4785/1374 |
| Instrument | 202644874 |
| Name | MORTGAGE MORTGAGE |
|---|
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 999 Months |
| Due | Apr 20, 2111 |
| Max Rate | -1% |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Oct 12, 2022 |
| Property Address | 4513 RIVER RANCH RD, MILTON, FL 32583-3226 |
| Document Number | 0043341368 |
| Book / Page | 4334 / 1368 |
| Instrument Date | Oct 11, 2022 |
| Instrument | 202258000 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4513 RIVER RANCH RD, MILTON, FL 32583-3226 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 4513 RIVER RANCH RD, MILTON, FL 32583-3226 |
Source: Santa Rosa County assessment roll, as of December 8, 2025
| 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 |
|---|---|---|---|
| 2025 | $8,634.00 (+86.24%) | $739,686 (+69.57%) Land $172,060 Building $567,626 | $739,686 (+4.16%) Land $172,060 Building $567,626 |
| 2024 | $4,636.00 (+1.62%) Homeowner's exemption Widower's exemption | $436,201 (+3%) | $710,153 (+5.55%) Land $159,315 Building $550,838 |
| 2023 | $4,562.00 (+1%) Homeowner's exemption Widower's exemption | $423,496 (+3%) | $672,828 (+1.06%) Land $127,452 Building $545,376 |
| 2022 | $4,517.00 Homeowner's exemption Widower's exemption | $411,161 | $665,742 Land $127,452 Building $538,290 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 | 10.0 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 |
|
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 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.
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 |
| 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.
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 |
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