4543 Water St, Milton, FL 32583 Property Records

Santa Rosa County property record for 4543 Water St, Milton, FL 32583

Property Summary

Property Type	Vacant Land
Lot Size	0.344 acres (14,985 sqft)
Owner	Individual Name on File
Last Sale	$45,000 (Dec 2020)
Tax Bill	$410 (2024)
Deeds & Mortgages	Dec 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`15-1N-28-0120-01300-0090`

Property Details

APN / Parcel Number

Primary APN	`15-1N-28-0120-01300-0090`
Alternative APN	`N281150120013000090`

Exterior

Lot Area	14,985 sqft (0.344 acres)
Lot Dimensions	120 ft deep x 125 ft wide

Location & Zoning

Street Address	4543 WATER ST
City	MILTON
State	FL
Zip	32583-8159
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Local Zoning Code	HR1
Legal Description	BAGDAD LOT 9 BLK 13 AS DES IN OR 4036 PG 42
Legal Range	28W
Legal Township	1N
Legal Section	15
Legal Subdivision	BAGDAD & ADD/RESUB
Legal Block	13
Legal Lot Number	9
Jurisdiction	SANTA ROSA FL
Township / Civil Division	BAGDAD
Census Block Group	1
Census Block	1028
Census Tract	10709

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Bagdad Village Historic District listed 1987 · 144 contributing resources · NRIS 87001991

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

4543 Water St, vacant land, is owned by an individual who bought it in December 2020.

Source: Santa Rosa County records, as of December 8, 2025

Owner of Record	Individual Name on File
Mailing Address	6724 CONTENTMENT ST, MILTON, FL 32583-9038
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 1, 2020 · Amount on File
Deed Sale	Dec 1, 2020 · Amount on File
Prior Sale	Jan 1, 2016 · Amount on File
Deed Document Number	202064208
Deed Book / Page	4036 / 42
Prior Transfer Date	Jan 8, 2016
Prior Transfer Doc	0034871980
Record Updated	Jun 8, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Dec 1, 2020
Property Address	4543 WATER ST, MILTON, FL 32583-8159
Document Number	0040360042
Book / Page	4036 / 42
Instrument Date	Nov 30, 2020
Instrument	202064208
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	WEST FL TTL CO OF MILTON INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$315.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5328 BROAD ST, 5328, MILTON, FL 32570-2235

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4251 WEST AVENIDA DR GOLF, PACE, FL 32571-3031

Mortgage

Document Number	0000403643
Date	Dec 1, 2020
Instrument	4036/43

Lender

Name	PEN AIR FEDERAL CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 1, 2035

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		$34,875 (-) Land $34,875	$34,875 (-) Land $34,875
2024	$410.00 (-1.68%)	$34,875 (-) Land $34,875	$34,875 (-) Land $34,875
2023	$417.00 (-0.95%)	$34,875 (-) Land $34,875	$34,875 (-) Land $34,875
2022	$421.00	$34,875	$34,875 Land $34,875

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

Flood

FEMA maps place 4543 Water St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective November 18, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 24 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	24 in force
Nearby Flood Claims	5 (2020)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 5 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

Wildfire risk around 4543 Water St is moderate, ranking above 42% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.08% annual chance
Exposure	None 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 System	BAGDAD-GARCON POINT WATER SYSTEM public/private · serves 10,896 people · EPA ID FL1570042
Water Source	Groundwater
Last State Inspection	Nov 2025
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	None 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)
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20