4527 Morningside Ln, Milton, FL 32583 Property Records

Santa Rosa County property record for 4527 Morningside Ln, Milton, FL 32583

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,312 sqft · built 2006
Lot Size	0.241 acres (10,498 sqft)
Owner	2 Individual Names on Record
Last Sale	$243,000 (Mar 2024)
Tax Bill	$1,918 (2024)
Deeds & Mortgages	Sep 2025 Mortgage Aug 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17-1N-28-5740-00000-0750`

Property Details

APN / Parcel Number

Primary APN	`17-1N-28-5740-00000-0750`
Alternative APN	`N281175740000000750`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,312 sqft Living Area
Gross Area	1,492 sqft
1st Floor Area	1,312 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	10,498 sqft (0.241 acres)
Lot Dimensions	150 ft deep x 70 ft wide
Garage Area	240 sqft

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	80 sqft
Patio Area	100 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	4527 MORNINGSIDE LN
City	MILTON
State	FL
Zip	32583-1740
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1M
Legal Description	WEST MILTON HEIGHT 1ST ADD LOT 75 AS DES IN OR 4655 PG 1795
Legal Range	28W
Legal Township	1N
Legal Section	17
Legal Subdivision	WEST MILTON HGTS ALL
Legal Lot Number	75
Jurisdiction	SANTA ROSA FL
Township / Civil Division	PACE
Census Block Group	1
Census Block	1008
Census Tract	10711

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	2 Individual Names on Record
Mailing Address	4527 MORNINGSIDE LN, MILTON, FL 32583-1740
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2025	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 23, 2022	Warranty Deed, Transfer · FHA Mortgage TRUSTMARK NATIONAL BANK
Aug 21, 2020	Warranty Deed, Transfer · Conventional Mortgage NAVY FCU
May 23, 2018	Warranty Deed, Transfer · Conventional Mortgage UNIVERSITY LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 6, 2024 · Amount on Record
Deed Sale	Mar 6, 2024 · Amount on Record
Prior Sale	Aug 23, 2022 · Amount on Record
Deed Document Number	20249710
Deed Book / Page	4480 / 991
Last Transfer Date	Sep 3, 2025
Transfer Doc	0046551795
Record Updated	Jun 8, 2026

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA ROSA FL
Recording Date	Sep 8, 2025
Property Address	4527 MORNINGSIDE LN, MILTON, FL 32583-1740
Document Number	0046551795
Book / Page	4655 / 1795
Map Reference	MB A PG 104
Instrument Date	Sep 3, 2025
Instrument	202541645
Transaction Type	Transfer
Record Updated	Oct 13, 2025
Title Company	COASTAL TITLE, COASTAL TITLE SERVICES INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4527 MORNINGSIDE LN, MILTON, FL 32583-1740

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4527 MORNINGSIDE LN, MILTON, FL 32583-1740

Mortgage

Document Number	0046551797
Date	Sep 8, 2025
Instrument	4655/1797

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Aug 23, 2022
Property Address	4527 MORNINGSIDE LN, MILTON, FL 32583-1740
Document Number	0043190072
Book / Page	4319 / 72
Map Reference	MB A PG 104
Instrument Date	Aug 22, 2022
Instrument	202249081
Transaction Type	Transfer
Record Updated	Oct 5, 2022
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,575.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6037 ARNIES WAY, 6037, MILTON, FL 32570-8757

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4527 MORNINGSIDE LN, MILTON, FL 32583-1740

Mortgage

Document Number	0000431974
Date	Aug 23, 2022
Instrument	4319/74

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

Mortgage

Document Number	0043190089
Date	Aug 23, 2022
Book Page	4319/89
Instrument	202249083

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank
Address	PEARL, MS 39208

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Aug 21, 2020
Property Address	4527 MORNINGSIDE LN, MILTON, FL 32583-1740
Document Number	0039931707
Book / Page	3993 / 1707
Map Reference	MB A PG 104
Instrument Date	Aug 20, 2020
Instrument	202042975
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$910.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5462 WALKER RD, 5462, MILTON, FL 32570-8193

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6037 ARNIES WAY, MILTON, FL 32570-8757

Mortgage

Document Number	0039931709
Date	Aug 21, 2020
Instrument	3993/1709

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	May 23, 2018
Property Address	4527 MORNINGSIDE LN, MILTON, FL 32583-1740
Document Number	0037301452
Book / Page	003730 / 001452
Instrument Date	May 21, 2018
Instrument	21211
Transaction Type	Transfer
Record Updated	Aug 3, 2018
Title Company	GUARANTEE TITLE/NORTHWEST FL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$854.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4527 MORNINGSIDE LN MILTON FL 325831740, MILTON, FL 32583-1740

Mortgage

Document Number	37301463
Date	May 23, 2018
Book Page	003730/001463
Instrument	21214

Lender

Name	UNIVERSITY LNDG
Address	SOUTHFIELD, MI 48034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 22, 2048

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		$157,366 (+1.21%) Land $27,000 Building $130,366	$157,366 (+1.21%) Land $27,000 Building $130,366
2024	$1,918.00 (-2.14%)	$155,486 (+3.87%) Land $27,000 Building $128,486	$155,486 (+3.87%) Land $27,000 Building $128,486
2023	$1,960.00 (+88.82%) Homeowner's exemption	$149,686 (+26.74%) Land $22,000 Building $127,686	$149,686 (+10.98%) Land $22,000 Building $127,686
2022	$1,038.00 Homeowner's exemption	$118,101	$134,874 Land $18,000 Building $116,874

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.

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	2 (2014–2020)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2020 · Hurricane Sally

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	Low lower than 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 169 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Cox Communications.

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