4544 Gainer Ave, Milton, FL 32583 Property Records

Santa Rosa County property record for 4544 Gainer Ave, Milton, FL 32583

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,096 sqft · built 2002
Lot Size	0.202 acres (8,799 sqft)
Owner	2 Individual Names on File
Last Sale	$130,000 (Sep 2019)
Tax Bill	$812 (2024)
Deeds & Mortgages	Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-1N-28-5740-00000-0260`

Property Details

APN / Parcel Number

Primary APN	`17-1N-28-5740-00000-0260`
Alternative APN	`N281175740000000260`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,096 sqft Living Area
Gross Area	1,388 sqft
1st Floor Area	1,096 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	8,799 sqft (0.202 acres)
Lot Dimensions	138 ft deep x 64 ft wide

Exterior Amenities

Porch	Florida Room
Porch Area	292 sqft
Patio Area	112 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	4544 GAINER AVE
City	MILTON
State	FL
Zip	32583-1735
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1M
Legal Description	WEST MILTON HEIGHTS 1ST ADD LOT 26 AS DES OR 3872 PG 772
Legal Range	28W
Legal Township	1N
Legal Section	17
Legal Subdivision	WEST MILTON HGTS ALL
Legal Lot Number	26
Jurisdiction	SANTA ROSA FL
Township / Civil Division	PACE
Census Block Group	1
Census Block	1000
Census Tract	10711

Owner

Source: Santa Rosa County records · APN 17-1N-28-5740-00000-0260

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	4544 GAINER AVE, MILTON, FL 32583-1735
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 23, 2019 · Amount on Record
Deed Sale	Sep 23, 2019 · Amount on Record
Prior Sale	Apr 22, 2014 · Amount on Record
Deed Document Number	201942320
Deed Book / Page	3872 / 772
Prior Transfer Date	Apr 17, 2006
Prior Transfer Doc	0025990217
Record Updated	Jun 08, 2026

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Sep 23, 2019
Property Address	4544 GAINER AVE, MILTON, FL 32583-1735
Document Number	0038720772
Book / Page	3872 / 0772
Map Reference	MB A PG 104
Instrument Date	Aug 23, 2019
Instrument	201942320
Transaction Type	Transfer
Record Updated	May 02, 2022
Title Company	ANCHOR TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$910.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5870 CEDAR TREE DR, 5870, MILTON, FL 32570-8705

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4544 GAINER AVE, MILTON, FL 32583-1735

Mortgage

Document Number	0003872774
Date	Sep 23, 2019
Instrument	3872/774

Lender

Name	BBVA USA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 01, 2049

Tax Assessment & Valuation

Source: Santa Rosa County records · Assessment roll updated December 8, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Florida
County	Santa Rosa County
Unified School District	Santa Rosa County School District (PK - 12)

Tax Bill & Assessment History

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		$99,138 (+2.9%)	$156,666 (+8.59%) Land $27,000 Building $129,666
2024	$812.00 (+15.01%) Homeowner's exemption	$96,344 (+3%)	$144,277 (+4.64%) Land $27,000 Building $117,277
2023	$706.00 (+4.13%) Homeowner's exemption	$93,538 (+3%)	$137,878 (+7.49%) Land $22,000 Building $115,878
2022	$678.00 Homeowner's exemption	$90,814	$128,265 Land $18,000 Building $110,265

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of November 18, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Mediacom Communications Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Cox Communications.

Based on FCC filings for 114 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	PACE WATER SYSTEM, INC. private · serves 49,328 people
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 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.