4549 Gainer Ave, Milton, FL 32583 Property Records

Santa Rosa County property record for 4549 Gainer Ave, Milton, FL 32583

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,064 sqft · built 1962
Lot Size	0.394 acres (17,163 sqft)
Owner	2 Individual Names on Record
Tax Bill	$654 (2024)
Deeds & Mortgages	Aug 2023 Line of Credit Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-1N-28-5740-00000-0220`

Property Details

APN / Parcel Number

Primary APN	`17-1N-28-5740-00000-0220`
Alternative APN	`N281175740000000220`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,064 sqft Living Area
Gross Area	1,712 sqft
1st Floor Area	1,064 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1972
Exterior Material	Concrete Block
Construction Type	Wood
Foundation Type	No Foundation
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	17,163 sqft (0.394 acres)
Lot Dimensions	123 ft deep x 70 ft wide
Garage Type	Detached
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	144 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4549 GAINER AVE
City	MILTON
State	FL
Zip	32583-1761
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1M
Legal Description	NEWLY DESCRIBED FOR 2023 WEST MILTON HEIGHTS LOT 22 AS DES IN OR 1318 PG 100 & OR 1645 PG 544 & LOT 23 AS DES IN OR 3964 PG 549 (COMBINED LOT 23 HERE PER REQ FOR 2023)
Legal Range	28W
Legal Township	1N
Legal Section	17
Legal Subdivision	WEST MILTON HGTS ALL
Legal Lot Number	22
Jurisdiction	SANTA ROSA FL
Township / Civil Division	PACE
Census Block Group	1
Census Block	1006
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	4549 GAINER AVE, MILTON, FL 32583-1761
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2023	Deed of Trust, Mortgage · Line of Credit CENTRAL CREDIT UNION OF FLORIDA
Jun 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL CU/FL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Oct 1, 1997
Transfer Doc	0016450544
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	4549 GAINER AVE, MILTON, FL 32583-1761
Transaction Type	Mortgage
Record Updated	Apr 16, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4549 GAINER AVE, MILTON, FL 32583-1761

Mortgage

Document Number	0044232036
Date	Aug 11, 2023
Book Page	4423/2036
Instrument	202336485

Lender

Name	CENTRAL CREDIT UNION OF FLORIDA
Type	Credit Union
Address	PENSACOLA, FL 32522

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 10, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	4549 GAINER AVE, MILTON, FL 32583-1761
Document Number	0039640551
Instrument Date	Jun 17, 2020
Transaction Type	Mortgage
Record Updated	Aug 6, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4549 GAINER AVE MILTON FL 325831761, MILTON, FL 32583-1761

Mortgage

Document Number	0039640551
Date	Jun 17, 2020
Book Page	003964/000551
Instrument	29264

Lender

Name	CENTRAL CU/FL
Type	Credit Union
Address	PENSACOLA, FL 32522

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 16, 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		$84,922 (+2.9%)	$145,781 (+7.24%) Land $54,000 Building $91,781
2024	$654.00 (+40.04%) Homeowner's exemption	$82,529 (+9.64%)	$135,933 (+13.19%) Land $54,000 Building $81,933
2023	$467.00 (+37.76%) Homeowner's exemption	$75,271 (+45.54%)	$120,098 (+31.7%) Land $44,000 Building $76,098
2022	$339.00 Homeowner's exemption	$51,719	$91,191 Land $18,000 Building $73,191

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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