4519 River Ranch Rd, Milton, FL 32583 Property Records

Santa Rosa County property record for 4519 River Ranch Rd, Milton, FL 32583

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,974 sqft · built 1998
Lot Size	0.911 acres (39,683 sqft)
Owner	2 Individual Names on File
Last Sale	$618,000 (Apr 2020)
Tax Bill	$5,448 (2024)
Deeds & Mortgages	Apr 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`14-1N-28-0000-00103-0000`

Property Details

APN / Parcel Number

Primary APN	`14-1N-28-0000-00103-0000`
Alternative APN	`N281140000001030000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,974 sqft Living Area
Gross Area	4,343 sqft
1st Floor Area	2,974 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2018
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	39,683 sqft (0.911 acres)
Lot Dimensions	315 ft deep x 126 ft wide
Garage Type	Attached
Garage Area	705 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	64 sqft
Deck Area	400 sqft
Patio Area	140 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	4519 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 2020 BEG AT A POINT 788 FT S & 387 FT W OF NE CORNER OF SECTION 14 TOWNSHIP 1 SOUTH RANGE 28 WEST THN S8742W 298 FT TO LOW WATER MARK OF BLACKWATER BAY THN N133W 127 FT ALONG THE MEANDERINGS OF THE BAY THN N87*42E 334.8 FT
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

Owner

4519 River Ranch Rd is owned and occupied by two individuals who bought it in April 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	4519 RIVER RANCH RD, MILTON, FL 32583-3226
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 27, 2020 · Amount on File
Deed Sale	Apr 27, 2020 · Amount on File
Prior Sale	Oct 20, 1997 · Amount on File
Deed Document Number	202019709
Deed Book / Page	3943 / 1189
Prior Transfer Date	Oct 13, 2010
Prior Transfer Doc	0030110721
Record Updated	Jun 8, 2026

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Apr 27, 2020
Property Address	4519 RIVER RANCH RD, MILTON, FL 32583-3226
Document Number	0039431189
Book / Page	3943 / 1189
Instrument Date	Apr 16, 2020
Instrument	202019709
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,326.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6017 ARNIES WAY, 6017, MILTON, FL 32570-8757

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4519 RIVER RANCH RD, MILTON, FL 32583-3226

Mortgage

Document Number	0039431192
Date	Apr 27, 2020
Instrument	3943/1192

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

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		$517,167 (+2.9%)	$542,954 (+3.68%) Land $172,991 Building $369,963
2024	$5,448.00 (+1.55%) Homeowner's exemption	$502,592 (+3%)	$523,702 (+7.33%) Land $160,177 Building $363,525
2023	$5,365.00 (+0.9%) Homeowner's exemption	$487,953 (+1.83%) Land $128,142 Building $359,811	$487,953 (+1.83%) Land $128,142 Building $359,811
2022	$5,317.00 Homeowner's exemption	$479,184	$479,184 Land $128,142 Building $351,042

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4519 River Ranch Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 File 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

Wildfire risk around 4519 River Ranch Rd is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 53% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	None beyond ember reach

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 8 locations within half a mile, as of December 31, 2025

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