4528 Morningside Ln, Milton, FL 32583 Property Records

Santa Rosa County property record for 4528 Morningside Ln, Milton, FL 32583

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,231 sqft · built 2004
Lot Size	0.197 acres (8,581 sqft)
Owner	2 Individual Names on Record
Last Sale	$96,000 (May 2004)
Tax Bill	$866 (2024)
Deeds & Mortgages	Feb 2023 Line of Credit Mar 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17-1N-28-5740-00000-0680`

Property Details

APN / Parcel Number

Primary APN	`17-1N-28-5740-00000-0680`
Alternative APN	`N281175740000000680`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,231 sqft Living Area
Gross Area	2,083 sqft
1st Floor Area	1,231 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	8,581 sqft (0.197 acres)
Lot Dimensions	123 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Screened Porch
Porch Area	214 sqft
Deck Area	208 sqft
Patio Area	218 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	4528 MORNINGSIDE LN
City	MILTON
State	FL
Zip	32583-1772
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1M
Legal Description	WEST MILTON HEIGHTS LOT 68 AS DES IN OR 2303 PG 776 & IN OR 3461 PG 117 & IN OR 3971 PG 140
Legal Range	28W
Legal Township	1N
Legal Section	17
Legal Subdivision	WEST MILTON HGTS ALL
Legal Lot Number	68
Jurisdiction	SANTA ROSA FL
Township / Civil Division	PACE
Census Block Group	1
Census Block	1011
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	4528 MORNINGSIDE LN, MILTON, FL 32583-1772
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2023	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Mar 8, 2022	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Oct 7, 2021	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Jul 1, 2020	Quit Claim Deed, Transfer · FHA Mortgage MR COOPER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 25, 2004 · Amount on Record
Deed Sale	May 25, 2004 · Amount on Record
Prior Sale	Apr 16, 2004 · Amount on Record
Deed Document Number	200429860
Deed Book / Page	2303 / 776
Last Transfer Date	Jun 24, 2020
Transfer Doc	0039710140
Record Updated	Jun 8, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	4528 MORNINGSIDE LN, MILTON, FL 32583-1772
Transaction Type	Mortgage
Record Updated	Mar 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4528 MORNINGSIDE LN, MILTON, FL 32583-1772

Mortgage

Document Number	0043640416
Date	Feb 3, 2023
Book Page	4364/416
Instrument	202304497

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	RENO, NV 89501

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Feb 24, 2033

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	4528 MORNINGSIDE LN, MILTON, FL 32583-1772
Transaction Type	Mortgage
Record Updated	Apr 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4528 MORNINGSIDE LN, MILTON, FL 32583-1772

Mortgage

Document Number	0042550952
Date	Mar 8, 2022
Book Page	4255/952
Instrument	202213788

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2052

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	4528 MORNINGSIDE LN, MILTON, FL 32583-1772
Transaction Type	Mortgage
Record Updated	Nov 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4528 MORNINGSIDE LN, MILTON, FL 32583-1772

Mortgage

Document Number	0041891615
Date	Oct 7, 2021
Book Page	4189/1615
Instrument	202166959

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Oct 28, 2026

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jul 1, 2020
Property Address	4528 MORNINGSIDE LN, MILTON, FL 32583-1772
Document Number	0039710140
Book / Page	003971 / 000140
Instrument Date	Jun 24, 2020
Instrument	32481
Transaction Type	Transfer
Record Updated	Aug 6, 2020
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4528 MORNINGSIDE LN MILTON FL 325831772, MILTON, FL 32583-1772

Mortgage

Document Number	39710143
Date	Jul 1, 2020
Book Page	003971/000143
Instrument	32482

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 30, 2050

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		$101,047 (+2.9%)	$175,560 (+1.39%) Land $27,000 Building $148,560
2024	$866.00 (+18.79%) Homeowner's exemption	$98,199 (+3%)	$173,157 (+3.69%) Land $27,000 Building $146,157
2023	$729.00 (+3.99%) Homeowner's exemption	$95,339 (+3%)	$166,989 (+7.32%) Land $22,000 Building $144,989
2022	$701.00 Homeowner's exemption	$92,562	$155,603 Land $18,000 Building $137,603

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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