Santa Rosa County property record for 4520 Bayside Dr, Milton, FL 32583
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,991 sqft · built 2022 |
| Lot Size | 0.425 acres (18,521 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $100,000 (Jan 2021) |
| Tax Bill | $6,531 (2025) |
| Deeds & Mortgages | Mar 2026 Line of Credit Dec 2025 Line of Credit + 3 more |
| Flood Zone | Zone VE (high risk) |
| APN | 32-1N-29-0228-00000-0160 |
| Primary APN | 32-1N-29-0228-00000-0160 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 3 Stories |
| Building Area | 2,991 sqft Living Area |
| Gross Area | 5,506 sqft |
| 1st Floor Area | 1,613 sqft |
| Upper Floors Area | 1,378 sqft |
| Flooring | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Elevator | Elevator |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Foundation Type | Pier/Post & Beam |
| Roof Material | Metal |
| Lot Area | 18,521 sqft (0.425 acres) |
| View / Lot | Bay |
| Garage Type | Attached |
| Garage Area | 1,301 sqft |
| Porch | Slab |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4520 BAYSIDE DR |
|---|---|
| City | MILTON |
| State | FL |
| Zip | 32583-8422 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | BAYSIDE LOT 16 AS DES IN OR 4055 PG 175 |
| Legal Range | 29W |
| Legal Township | 1N |
| Legal Section | 32 |
| Legal Subdivision | BAYSIDE |
| Legal Lot Number | 16 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | AVALON-MULAT |
| Census Block Group | 3 |
| Census Block | 3023 |
| Census Tract | 10711 |
Source: Santa Rosa County records, as of July 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 4520 BAYSIDE DR, MILTON, FL 32583-8422 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 10, 2026 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| Dec 29, 2025 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| Jun 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PEN AIR FEDERAL CU |
| Jan 12, 2021 | Warranty Deed, Transfer GUARANTEED TITLE COMPANY, GUARANTEE TITLE COMPANY |
| Feb 10, 2017 | Warranty Deed, Transfer ANCHOR TITLE COMPANY, ANCHOR TITLE CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 12, 2021 · Amount on Record |
| Deed Sale | Jan 12, 2021 · Amount on Record |
| Prior Sale | Feb 10, 2017 · Amount on Record |
| Deed Document Number | 20211875 |
| Deed Book / Page | 4055 / 175 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 4520 BAYSIDE DR, MILTON, FL 32583-8422 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2026 |
| Name | Verified Name |
|---|---|
| Address | 4520 BAYSIDE DR, MILTON, FL 32583-8422 |
| Document Number | 0047180020 |
|---|---|
| Date | Mar 10, 2026 |
| Book Page | 4718/20 |
| Instrument | 202611860 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 481 Months |
| Due | Apr 1, 2066 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 4520 BAYSIDE DR, MILTON, FL 32583-8422 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2026 |
| Name | Verified Name |
|---|---|
| Address | 4520 BAYSIDE DR, MILTON, FL 32583-8422 |
| Document Number | 0046921511 |
|---|---|
| Date | Dec 29, 2025 |
| Book Page | 4692/1511 |
| Instrument | 202560040 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 481 Months |
| Due | Jan 1, 2066 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 4520 BAYSIDE DR, MILTON, FL 32583-8422 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2024 |
| Title Company | GUARANTEED TITLE COMPANY, GUARANTEE TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 4070 BETTIAN AVE, MILTON, FL 32583-2872 |
| Document Number | 0041310001 |
|---|---|
| Date | Jun 9, 2021 |
| Book Page | 4131/1 |
| Instrument | 202138729 |
| Name | PEN AIR FEDERAL CU |
|---|---|
| Type | Credit Union |
| Address | PENSACOLA, FL 32514 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Jul 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jan 12, 2021 |
| Property Address | 4520 BAYSIDE DR, MILTON, FL 32583-8422 |
| Document Number | 0040550175 |
| Book / Page | 4055 / 175 |
| Map Reference | MB D PG 93 |
| Instrument Date | Jan 11, 2021 |
| Instrument | 202101875 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 2024 |
| Title Company | GUARANTEED TITLE COMPANY, GUARANTEE TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Tax | $700.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3070 DISCOVERY WAY, JACKSONVILLE, FL 32224-7211 |
| Name | Verified Name |
|---|---|
| Address | 5926 MOUNTAIN CREST AVE, PACE, FL 32571-7642 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Feb 10, 2017 |
| Property Address | 4520 BAYSIDE DR, MILTON, FL 32583-8422 |
| Document Number | 0035971728 |
| Book / Page | 003597 / 001728 |
| Instrument Date | Feb 3, 2017 |
| Instrument | 5341 |
| Transaction Type | Transfer |
| Record Updated | Feb 15, 2017 |
| Title Company | ANCHOR TITLE COMPANY, ANCHOR TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $490.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3070 DISCOVERY WAY JACKSONVILLE FL 322247211, JACKSONVILLE, FL 32224-7211 |
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 | $6,531.00 (+2.75%) Homeowner's exemption | $537,056 (+2.9%) | $715,968 (-0.69%) Land $102,600 Building $613,368 |
| 2024 | $6,356.00 (+0.39%) Homeowner's exemption | $521,920 (+3%) | $720,976 (+19.53%) Land $76,950 Building $644,026 |
| 2023 | $6,331.00 (+501.81%) | $506,718 (+558.5%) | $603,187 (+683.87%) Land $76,950 Building $526,237 |
| 2022 | $1,052.00 | $76,950 | $76,950 Land $76,950 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective November 18, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone VE high risk · coastal, wave action |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 13.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 71 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 71 in force |
| Nearby Flood Claims | 15 (2020–2026) |
| Claims Outside the SFHA | 1 of 15 |
| Most Recent Claim | Jul 2026 · rainfall accumulation |
| 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 | High above 76% of the US · above 64% 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 | 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 30 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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