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4535 River Ranch Rd, Milton, FL 32583 Property Records

Santa Rosa County property record for 4535 River Ranch Rd, Milton, FL 32583

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,162 sqft · built 2021
Lot Size0.967 acres (42,123 sqft)
OwnerCompany Name on Record
Last Sale$498,500 (Jun 2021)
Tax Bill$4,554 (2024)
Deeds & MortgagesOct 2021 Transfer
Jun 2021 Sale & Mortgage
+ 1 more
Flood ZoneZone AE (high risk)
APN14-1N-28-3410-00100-0040

Property Details

APN / Parcel Number

Primary APN14-1N-28-3410-00100-0040
Alternative APN
  • N281143410001000040

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,162 sqft Living Area
Gross Area3,845 sqft
1st Floor Area2,162 sqft
FlooringWood
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2021
Effective Year BuiltEffective 2021
Exterior MaterialBrick
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialWood Shingle
Lot Area42,123 sqft (0.967 acres)
Lot Dimensions279 ft deep x 151 ft wide
Garage TypeAttached
Garage Area771 sqft
Parking Spaces3 Parking Spaces
PorchFinished/Open Porch
Porch Area749 sqft
Patio Area434 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address4535 RIVER RANCH RD
CityMILTON
StateFL
Zip32583-3226
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRR1
Legal DescriptionRIVER RANCH SUB LOT 4 BLK 1 SECTION 14 TOWNSHIP 1 NORTH RANGE 28 WEST AS DES IN OR 4135 PG 1857 & AS DES IN OR 4198 PG 330
Legal Range28W
Legal Township1N
Legal Section14
Legal SubdivisionRIVER RANCH
Legal Block1
Legal Lot Number4
JurisdictionSANTA ROSA FL
Township / Civil DivisionEAST MILTON
Census Block Group2
Census Block2042
Census Tract10809

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 RecordCompany Name on Record
Mailing Address4535 RIVER RANCH RD, MILTON, FL 32583-3226
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust

Deeds, Mortgages & Sale History

DateDocument
Oct 25, 2021Intrafamily Transfer, Transfer
ACCOMMODATION
Jun 18, 2021Warranty Deed, Transfer · Conventional Mortgage
THE MORTGAGE FIRM INC
Mar 13, 2020Warranty Deed, Transfer
CLEAR TITLE/NW FL LLC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 18, 2021 · Amount on Record
Deed SaleJun 18, 2021 · Amount on Record
Prior SaleMar 13, 2020 · Amount on Record
Deed Document Number202141218
Deed Book / Page4135 / 1857
Last Transfer DateOct 20, 2021
Transfer Doc0041980330
Record UpdatedJun 8, 2026

October 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSANTA ROSA FL
Recording DateOct 25, 2021
Property Address4535 RIVER RANCH RD, MILTON, FL 32583-3226
Document Number0041980330
Book / Page4198 / 330
Map ReferenceMB B PG 166
Instrument DateOct 20, 2021
Instrument202171243
Transaction TypeTransfer
Record UpdatedJun 7, 2023
Title CompanyACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address4535 RIVER RANCH RD, MILTON, FL 32583-3226

June 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateJun 18, 2021
Property Address4535 RIVER RANCH RD, MILTON, FL 32583-3226
Document Number0041351857
Book / Page4135 / 1857
Map ReferenceMB B PG 166
Instrument DateJun 18, 2021
Instrument202141218
Transaction TypeTransfer
Record UpdatedDec 21, 2021
Title CompanyCLEAR TTL OF NORTHWEST FL LL

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,489.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address6478 HIGHWAY 90G, 6478, MILTON, FL 32570

Transferred To (Grantee/Buyer)

NameVerified Name
Address4535 RIVER RANCH RD, MILTON, FL 32583-3226

Mortgage

Document Number0041351859
DateJun 18, 2021
Instrument4135/1859
Lender
NameTHE MORTGAGE FIRM INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 1, 2051

March 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateMar 13, 2020
Property Address4535 RIVER RANCH RD, MILTON, FL 32583-3226
Document Number0039281321
Book / Page003928 / 001321
Instrument DateMar 12, 2020
Instrument12392
Transaction TypeTransfer
Record UpdatedMay 22, 2020
Title CompanyCLEAR TITLE/NW FL LLC

Transaction

AmountAmount Recorded
Tax$1,085.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address6478 HIGHWAY 90 #G MILTON FL 325704560, G, MILTON, FL 32570-4560

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountySanta Rosa County
Unified School DistrictSanta Rosa County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$436,315 (+2.9%)$466,739 (+4.21%) Land $183,465 Building $283,274
2024$4,554.00 (+1.58%) Homeowner's exemption$424,018 (+3%)$447,892 (+8.8%) Land $169,875 Building $278,017
2023$4,483.00 (-12.63%) Homeowner's exemption$411,668 (-11.13%) Land $135,900 Building $275,768$411,668 (-11.13%) Land $135,900 Building $275,768
2022$5,131.00 Homeowner's exemption$463,223$463,223 Land $190,260 Building $272,963

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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation11.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 98 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies98 in force
Nearby Flood Claims236 (1978–2020)
Claims Outside the SFHA11 of 236
Most Recent ClaimSep 2020 · Hurricane Sally
Claims by Event
  • Hurricane Sally, Sep 2020 · 42 claims
  • Hurricane Frances, Sep 2004 · 73 claims
  • Hurricane Opal, Oct 1995 · 20 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 RiskModerate
above 53% of the US · lower than 76% of Florida
Wildfire Likelihood0.1% annual chance
ExposureNone
beyond ember reach

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 SystemEAST MILTON WATER SYSTEM
public/private · serves 17,292 people · EPA ID FL1570232
Water SourceGroundwater
Last State InspectionFeb 2023
Lead3 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 8 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Mediacom Xtream
Cable		1,000 / 50

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