Santa Rosa County property record for 4520 River Ranch Rd, Milton, FL 32583
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,112 sqft · built 1973 |
| Lot Size | 0.471 acres (20,517 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $260,000 (May 2021) |
| Tax Bill | $2,701 (2024) |
| Deeds & Mortgages | May 2021 Sale & Mortgage May 2020 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 14-1N-28-3410-00200-0180 |
| Primary APN | 14-1N-28-3410-00200-0180 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,112 sqft Living Area |
| Gross Area | 3,804 sqft |
| 1st Floor Area | 1,221 sqft |
| Upper Floors Area | 891 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Mansard |
| Roof Material | Wood Shingle |
| Lot Area | 20,517 sqft (0.471 acres) |
| Lot Dimensions | 171 ft deep x 120 ft wide |
| Garage Type | Attached |
| Garage Area | 550 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 119 sqft |
| Patio Area | 1,023 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4520 RIVER RANCH RD |
|---|---|
| City | MILTON |
| State | FL |
| Zip | 32583-3205 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR1 |
| Legal Description | RIVER RANCH LOT 18 BLK 2 AS DES IN OR 4115 PG 852 |
| Legal Range | 28W |
| Legal Township | 1N |
| Legal Section | 14 |
| Legal Subdivision | RIVER RANCH |
| Legal Block | 2 |
| Legal Lot Number | 18 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | EAST MILTON |
| Census Block Group | 2 |
| Census Block | 2044 |
| Census Tract | 10809 |
Source: Santa Rosa County records · APN 14-1N-28-3410-00200-0180
Assessment roll updated December 8, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 4520 RIVER RANCH RD, MILTON, FL 32583-3205 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 10, 2021 | Warranty Deed, Transfer · VA Mortgage BAY EQUITY LLC |
| May 08, 2020 | Warranty Deed, Transfer · VA Mortgage GOLDWATER BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 10, 2021 · Amount on Record |
| Deed Sale | May 10, 2021 · Amount on Record |
| Prior Sale | May 08, 2020 · Amount on Record |
| Deed Document Number | 202130676 |
| Deed Book / Page | 4115 / 852 |
| Prior Transfer Date | Sep 17, 2008 |
| Prior Transfer Doc | 0028661341 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | May 10, 2021 |
| Property Address | 4520 RIVER RANCH RD, MILTON, FL 32583-3205 |
| Document Number | 0041150852 |
| Book / Page | 4115 / 852 |
| Map Reference | MB B PG 166 |
| Instrument Date | Apr 26, 2021 |
| Instrument | 202130676 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2021 |
| Title Company | ACER TITLE AND ESCROW LLC, ANCHOR TITLE & ESCROW LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,820.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PSC 3 BOX 8008, 8008, APO, AP 96266-0081 |
| Name | Verified Name |
|---|---|
| Address | 4520 RIVER RANCH RD, MILTON, FL 32583-3205 |
| Document Number | 4115854 |
|---|---|
| Date | May 10, 2021 |
| Instrument | 4115/854 |
| Name | BAY EQUITY LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | May 08, 2020 |
| Property Address | 4520 RIVER RANCH RD, MILTON, FL 32583-3205 |
| Document Number | 0039481504 |
| Book / Page | 3948 / 1504 |
| Map Reference | MB B PG 166 |
| Instrument Date | Apr 30, 2020 |
| Instrument | 202021876 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2021 |
| Title Company | GUARANTEE TTL OF NORTHWEST F |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,435.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4221 SALLY ST, 4221, PACE, FL 32571-2218 |
| Name | Verified Name |
|---|---|
| Address | 4520 RIVER RANCH RD, MILTON, FL 32583-3205 |
| Document Number | 0039481506 |
|---|---|
| Date | May 08, 2020 |
| Instrument | 3948/1506 |
| Name | GOLDWATER BANK NA |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2050 |
Source: Santa Rosa County records · Assessment roll updated December 8, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Santa Rosa County |
| Unified School District | Santa Rosa County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $227,170 (+1.87%) Land $18,000 Building $209,170 | $227,170 (+1.87%) Land $18,000 Building $209,170 | |
| 2024 | $2,701.00 (-0.95%) | $222,992 (+0.65%) Land $18,000 Building $204,992 | $222,992 (+0.65%) Land $18,000 Building $204,992 |
| 2023 | $2,727.00 (-1.16%) | $221,548 (-0.24%) Land $18,000 Building $203,548 | $221,548 (-0.24%) Land $18,000 Building $203,548 |
| 2022 | $2,759.00 | $222,070 | $222,070 Land $18,000 Building $204,070 |
Source: FEMA National Flood Hazard Layer as of November 18, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| Wildfire Risk | Moderate above 67% of the US · above 46% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Communications Cable | 1,000 / 50 |
Based on FCC filings for 24 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | EAST MILTON WATER SYSTEM public/private · serves 17,292 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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