Santa Rosa County property record for 4554 Simpson St, Milton, FL 32583
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,767 sqft · built 2004 |
| Lot Size | 0.688 acres (29,969 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $100 (Aug 2025) |
| Tax Bill | $2,051 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Mar 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-1N-28-0120-01300-0010 |
| Primary APN | 15-1N-28-0120-01300-0010 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,767 sqft Living Area |
| Gross Area | 2,421 sqft |
| 1st Floor Area | 1,767 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 29,969 sqft (0.688 acres) |
| Lot Dimensions | 120 ft deep x 250 ft wide |
| Garage Type | Attached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 174 sqft |
| Deck Area | 240 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Greenhouse | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4554 SIMPSON ST |
|---|---|
| City | MILTON |
| State | FL |
| Zip | 32583-4118 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | HR1 |
| Legal Description | LOTS 1 & 2 BLK 13 BAGDAD AS DES IN OR 4165 PG 1328 & AS DES IN OR 4645 PG 43 |
| Legal Range | 28W |
| Legal Township | 1N |
| Legal Section | 15 |
| Legal Subdivision | BAGDAD & ADD/RESUB |
| Legal Block | 13 |
| Legal Lot Number | 1 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | BAGDAD |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 10709 |
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.
Source: Santa Rosa County records, as of May 22, 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 Record |
|---|---|
| Mailing Address | 4554 SIMPSON ST, MILTON, FL 32583-4118 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Mar 10, 2026 | Deed of Trust, Mortgage · VA Mortgage LEND-A-LOAN LLC |
| Mar 24, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Aug 19, 2021 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| May 31, 2017 | Warranty Deed, Transfer · Conventional with PMI USAA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 5, 2025 · Amount on Record |
| Deed Sale | Aug 5, 2025 · Amount on Record |
| Prior Sale | Aug 19, 2021 · Amount on Record |
| Deed Document Number | 202536093 |
| Deed Book / Page | 4645 / 43 |
| Prior Transfer Date | Jun 24, 2025 |
| Prior Transfer Doc | 0046450043 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 4554 SIMPSON ST, MILTON, FL 32583-4118 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2026 |
| Name | Verified Name |
|---|---|
| Address | 4554 SIMPSON ST, MILTON, FL 32583-4118 |
| Document Number | 0047180160 |
|---|---|
| Date | Mar 10, 2026 |
| Book Page | 4718/160 |
| Instrument | 202611902 |
| Name | LEND-A-LOAN LLC |
|---|---|
| Type | Mortgage Company |
| Address | TROY, MI 48083 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 4554 SIMPSON ST, MILTON, FL 32583-4118 |
| Transaction Type | Mortgage |
| Record Updated | Nov 4, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0040920760 |
|---|---|
| Date | Mar 24, 2021 |
| Book Page | 4092/760 |
| Instrument | 202119382 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Aug 19, 2021 |
| Property Address | 4554 SIMPSON ST, MILTON, FL 32583-4118 |
| Document Number | 0041651328 |
| Book / Page | 4165 / 1328 |
| Instrument Date | Aug 16, 2021 |
| Instrument | 202155786 |
| Transaction Type | Transfer |
| Record Updated | Nov 4, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,750.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5545 STEELE RD, 5545, BAKER, FL 32531-5329 |
| Name | Verified Name |
|---|---|
| Address | 4554 SIMPSON ST, MILTON, FL 32583-4118 |
| Document Number | 41651332 |
|---|---|
| Date | Aug 19, 2021 |
| Instrument | 4165/1332 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | May 31, 2017 |
| Property Address | 4554 SIMPSON ST, MILTON, FL 32583-4118 |
| Document Number | 0036290241 |
| Book / Page | 003629 / 000241 |
| Instrument Date | May 23, 2017 |
| Instrument | 21858 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2017 |
| Title Company | SURETY LAND TITLE/FL LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $924.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4554 SIMPSON ST MILTON FL 32583, MILTON, FL 32583 |
| Document Number | 36290243 |
|---|---|
| Date | May 31, 2017 |
| Book Page | 003629/000243 |
| Instrument | 21859 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 30, 2047 |
Source: Santa Rosa County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Santa Rosa County |
| Unified School District | Santa Rosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,051.00 (+4.86%) | $206,326 (+2.9%) | $210,252 (+1.14%) Land $40,687 Building $169,565 |
| 2024 | $1,956.00 (+1.93%) Homeowner's exemption | $200,511 (+3%) | $207,872 (+6.78%) Land $40,687 Building $167,185 |
| 2023 | $1,919.00 (-0.16%) Homeowner's exemption | $194,671 (+0.73%) Land $28,481 Building $166,190 | $194,671 (+0.73%) Land $28,481 Building $166,190 |
| 2022 | $1,922.00 Homeowner's exemption | $193,266 | $193,266 Land $28,481 Building $164,785 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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 |
|
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: 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.
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 |
| 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.
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 |
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