4528 Gainer Ave, Milton, FL 32583 Property Records

Santa Rosa County property record for 4528 Gainer Ave, Milton, FL 32583

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,628 sqft · built 1960
Lot Size	0.253 acres (11,064 sqft)
Owner	Individual Name on Record
Last Sale	$82,800 (Mar 2009)
Tax Bill	$1,435 (2024)
Deeds & Mortgages	Feb 2017 Loan Modification Feb 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-1N-28-5740-00000-0440`

Property Details

APN / Parcel Number

Primary APN	`17-1N-28-5740-00000-0440`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,628 sqft Heated Area
Gross Area	1,658 sqft
1st Floor Area	1,628 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1970
Exterior Material	Concrete Block
Construction Type	Wood
Foundation Type	Masonry
Roof Material	Asphalt
Lot Area	11,064 sqft (0.253 acres)
Lot Dimensions	1,320 ft deep x 840 ft wide
Porch	Open Porch
Porch Area	30 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	171N285740000000440
Street Address	4528 GAINER AVE
City	MILTON
State	FL
Zip	32583-1765
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1M
Legal Description	WEST MILTON HEIGHTS S 42 FT OF LOT 44 & N 42 FT OF LOT 45 AS DES IN OR 2889 PG 1086
Legal Range	28W
Legal Township	01N
Legal Section	17
Legal Subdivision	WEST
Legal Lot Number	44-45
Jurisdiction	SANTA ROSA FL
Township / Civil Division	PACE
Census Block Group	1
Census Block	1001
Census Tract	10711

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
Mailing Address	4528 GAINER AVE, MILTON, FL 32583-1765
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 15, 2017	Loan Modification, Mortgage · FHA Mortgage US BK
Feb 15, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 27, 2009 · Amount on Record
Deed Sale	Mar 27, 2009 · Amount on Record
Deed Document Number	200909720
Deed Book / Page	2889 / 1086
Record Updated	Jun 8, 2026

February 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SANTA ROSA FL
Property Address	4528 GAINER AVE, MILTON, FL 32583-1765
Document Number	0036060679
Book / Page	003606 / 000679
Instrument Date	Feb 15, 2017
Transaction Type	Mortgage
Record Updated	Apr 3, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4528 GAINER AVE MILTON FL 325831765, MILTON, FL 32583-1765

Mortgage

Document Number	0036060679
Date	Mar 14, 2017
Book Page	003606/000679
Instrument	9902

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 13, 2047

Interest

Rate Type	Fixed Rate
Rate	3.75%

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	4528 GAINER AVE, MILTON, FL 32583-1765
Document Number	0036042019
Book / Page	003604 / 002019
Instrument Date	Feb 15, 2017
Transaction Type	Mortgage
Record Updated	Apr 3, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4528 GAINER AVE MILTON FL 325831765, MILTON, FL 32583-1765

Mortgage

Document Number	0036042019
Date	Mar 8, 2017
Book Page	003604/002019
Instrument	9045

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 7, 2047

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	$1,435.00 (+6.14%)	$120,980 (+5.25%) Land $27,000 Building $93,980	$120,980 (+5.25%) Land $27,000 Building $93,980
2023	$1,352.00 (+7.64%)	$114,946 (+7.35%) Land $22,000 Building $92,946	$114,946 (+7.35%) Land $22,000 Building $92,946
2022	$1,256.00	$107,078	$107,078 Land $18,000 Building $89,078

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 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	Moderate above 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.07% 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 114 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

May also be available: Cox Communications.

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