4528 Elm Tree Dr, Milton, FL 32583 Property Records

Santa Rosa County property record for 4528 Elm Tree Dr, Milton, FL 32583

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,004 sqft · built 1957
Lot Size	0.594 acres (25,875 sqft)
Owner	Individual Name on Record
Last Sale	$133,000 (Feb 2021)
Tax Bill	$946 (2024)
Deeds & Mortgages	Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16-1N-28-2320-00600-0060`

Property Details

APN / Parcel Number

Primary APN	`16-1N-28-2320-00600-0060`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,004 sqft Heated Area
Gross Area	1,508 sqft
1st Floor Area	1,004 sqft
Flooring	Ceramic Tile
Interior Walls	Plywood

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1987
Exterior Material	Vinyl
Construction Type	Wood
Foundation Type	Raised
Roof Material	Metal
Lot Area	25,875 sqft (0.594 acres)
Lot Dimensions	1,150 ft deep x 2,250 ft wide
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	156 sqft
Shed	1 Shed
Shed Area	3 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	161N282320006000060
Street Address	4528 ELM TREE DR
City	MILTON
State	FL
Zip	32583-8900
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1M
Legal Description	LYNWOOD PARK LOTS 6,7,& 8 BLK 6 AS DES IN OR 4073 PG 791
Legal Range	28W
Legal Township	01N
Legal Section	16
Legal Subdivision	LYNWOOD PARK
Legal Block	6
Legal Lot Number	6-7 7
Jurisdiction	SANTA ROSA FL
Township / Civil Division	BAGDAD
Census Block Group	1
Census Block	1021
Census Tract	10712

Owner

Source: Santa Rosa County records, as of October 27, 2025

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
Co-owner	Co-owner on Record
Mailing Address	4528 ELM TREE DR, MILTON, FL 32583-8900
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 18, 2021 · Amount on Record
Deed Sale	Feb 18, 2021 · Amount on Record
Deed Document Number	202110495
Deed Book / Page	4073 / 791
Record Updated	Jun 8, 2026

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Feb 18, 2021
Property Address	4528 ELM TREE DR, MILTON, FL 32583-8900
Document Number	0040730791
Book / Page	4073 / 791
Map Reference	MB A PG 112
Instrument Date	Feb 17, 2021
Instrument	202110495
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$931.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	998 CORONADO CT, 998, GULF BREEZE, FL 32563-3614

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4528 ELM TREE DR, MILTON, FL 32583-8900

Mortgage

Document Number	0004073795
Date	Feb 18, 2021
Instrument	4073/795

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of July 1, 2024

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
2024	$946.00 (+0.11%) Homeowner's exemption	$111,637 (+1.06%) Land $29,400 Building $82,237	$111,637 (+1.02%) Land $29,400 Building $82,237
2023	$945.00 (+3.05%) Homeowner's exemption	$110,466 (+3%)	$110,512 (+3.04%) Land $29,400 Building $81,112
2022	$917.00 Homeowner's exemption	$107,249	$107,249 Land $29,400 Building $77,849

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

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 10 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	5 (2004–2020)
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 3 claims Hurricane Frances, Sep 2004 · 2 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

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

Wildfire Risk	Moderate above 54% of the US · lower than 74% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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

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