Santa Rosa County property record for 4528 River Ranch Rd, Milton, FL 32583
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,304 sqft · built 1973 |
| Lot Size | 0.44 acres (19,166 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $105,700 (Jan 2020) |
| Tax Bill | $1,967 (2024) |
| Deeds & Mortgages | Jan 2021 Mortgage Jan 2020 Sale & Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 14-1N-28-3410-00200-0160 |
| Primary APN | 14-1N-28-3410-00200-0160 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,304 sqft Living Area |
| Gross Area | 3,822 sqft |
| 1st Floor Area | 1,184 sqft |
| Upper Floors Area | 1,120 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 19,166 sqft (0.44 acres) |
| Lot Dimensions | 160 ft deep x 120 ft wide |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Screened Porch |
|---|---|
| Porch Area | 772 sqft |
| Deck Area | 306 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4528 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 SUB LOT 16 BLK 2 AS DES IN OR 3682 PG 2052 & IN OR 3911 PG 645 |
| Legal Range | 28W |
| Legal Township | 1N |
| Legal Section | 14 |
| Legal Subdivision | RIVER RANCH |
| Legal Block | 2 |
| Legal Lot Number | 16 |
| 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-28-3410-00200-0160
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 | 3228 JUNE JOHNSON RD, RAEFORD, NC 28376-3797 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 15, 2021 | Deed of Trust, Mortgage · VA Mortgage UNIVERSITY LENDING GROUP LLC |
| Jan 22, 2020 | Quit Claim Deed, Transfer · VA Mortgage FLAGSTAR BANK FSB |
| Dec 01, 2017 | Warranty Deed, Transfer · VA Mortgage PRIVATE INDIVIDUAL |
| Mar 07, 2017 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 22, 2020 · Amount on Record |
| Deed Sale | Jan 22, 2020 · Amount on Record |
| Prior Sale | Dec 01, 2017 · Amount on Record |
| Deed Document Number | 20203165 |
| Deed Book / Page | 3911 / 645 |
| Prior Transfer Date | Jan 14, 2020 |
| Prior Transfer Doc | 0039110645 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 4528 RIVER RANCH RD, MILTON, FL 32583-3205 |
| Transaction Type | Mortgage |
| Record Updated | Jul 11, 2023 |
| Name | Verified Name |
|---|---|
| Address | 4528 RIVER RANCH RD, MILTON, FL 32583-3205 |
| Document Number | 0040561731 |
|---|---|
| Date | Jan 15, 2021 |
| Book Page | 4056/1731 |
| Instrument | 202102773 |
| Name | UNIVERSITY LENDING GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Address | SOUTHFIELD, MI 48034 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jan 22, 2020 |
| Property Address | 4528 RIVER RANCH RD, MILTON, FL 32583-3205 |
| Document Number | 0039110645 |
| Book / Page | 3911 / 645 |
| Map Reference | MB 8 PG 166 |
| Instrument Date | Jan 14, 2020 |
| Instrument | 202003165 |
| Transaction Type | Transfer |
| Record Updated | Aug 02, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $739.90 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 4528 RIVER RANCH RD, MILTON, FL 32583-3205 |
| Document Number | 0039110648 |
|---|---|
| Date | Jan 22, 2020 |
| Instrument | 3911/0648 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Dec 01, 2017 |
| Property Address | 4528 RIVER RANCH RD, MILTON, FL 32583-3205 |
| Document Number | 0036822052 |
| Book / Page | 003682 / 002052 |
| Instrument Date | Nov 28, 2017 |
| Instrument | 49517 |
| Transaction Type | Transfer |
| Record Updated | Aug 29, 2018 |
| Title Company | FIRST INT'L TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,519.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4528 RIVER RANCH RD MILTON FL 325833205, MILTON, FL 32583-3205 |
| Document Number | 36822054 |
|---|---|
| Date | Dec 01, 2017 |
| Book Page | 003682/002054 |
| Instrument | 49518 |
| Name | PRIVATE INDIVIDUAL |
|---|---|
| Type | Mortgage Company |
| Address | PENSACOLA, FL 32504 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 30, 2047 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Mar 07, 2017 |
| Property Address | 4528 RIVER RANCH RD, MILTON, FL 32583-3205 |
| Document Number | 0036041954 |
| Book / Page | 003604 / 001954 |
| Instrument Date | Feb 09, 2017 |
| Instrument | 9016 |
| Transaction Type | Transfer |
| Record Updated | Mar 14, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $938.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 20 TRAMINER DR KENNER LA 700651134, KENNER, LA 70065-1134 |
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 | $202,293 (+2.9%) | $252,237 (+1.91%) Land $18,000 Building $234,237 | |
| 2024 | $1,967.00 (+1.92%) Homeowner's exemption | $196,592 (+3%) | $247,520 (+1.75%) Land $18,000 Building $229,520 |
| 2023 | $1,930.00 (+2.44%) Homeowner's exemption | $190,866 (+3%) | $243,252 (+0.02%) Land $18,000 Building $225,252 |
| 2022 | $1,884.00 Homeowner's exemption | $185,307 | $243,201 Land $18,000 Building $225,201 |
Source: FEMA National Flood Hazard Layer, Santa Rosa County (12113C), as of November 18, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121130108092, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · 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, water system FL1570232, 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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