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4578 River Ranch Rd, Milton, FL 32583 Property Records

Santa Rosa County property record for 4578 River Ranch Rd, Milton, FL 32583

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,139 sqft · built 1973
Lot Size0.803 acres (34,980 sqft)
OwnerIndividual Name on File
Last Sale$440,000 (Dec 2021)
Tax Bill$165 (2024)
Deeds & MortgagesDec 2021 Sale & Mortgage
May 2021 Sale
+ 1 more
Flood ZoneZone AE (high risk)
APN11-1N-28-0000-00701-0000

Property Details

APN / Parcel Number

Primary APN11-1N-28-0000-00701-0000

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,139 sqft Heated Area
Gross Area3,389 sqft
1st Floor Area2,139 sqft
FlooringCarpet
Interior WallsCustom/Decorative
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1973
Effective Year BuiltEffective 2003
Exterior MaterialBrick
Construction TypeWood
Foundation TypeMasonry
Roof MaterialShingle
Lot Area34,980 sqft (0.803 acres)
Lot Dimensions2,200 ft deep x 1,590 ft wide
Garage Area625 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchOpen Porch
Porch Area500 sqft
Patio Area125 sqft
Shed1 Shed
Shed Area1 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Account Number111N280000007010000
Street Address4578 RIVER RANCH RD
CityMILTON
StateFL
Zip32583-3205
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRR1
Legal DescriptionBEGIN ON THE WEST BOUNDARY OF RIVER ROAD AT A POINT 208.5 FEET NORTH AND 902.4 FEET WEST OF THE SOUTHEAST CORNER OF SECTION
Legal Range28W
Legal Township01N
Legal Section11
Legal SubdivisionBEGIN ON THE WEST
Legal Block1
Legal Lot Number7
JurisdictionSANTA ROSA FL
Township / Civil DivisionEAST MILTON
Census Block Group2
Census Block2042
Census Tract10809

Owner

4578 River Ranch Rd is owned and occupied by an individual who bought it in December 2021.

Source: Santa Rosa County records, as of October 27, 2025

Owner of RecordIndividual Name on File
Mailing Address4578 RIVER RANCH RD, MILTON, FL 32583-3205
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Dec 6, 2021Warranty Deed, Transfer · Conventional Mortgage
UNIVERSITY LENDING GROUP LLC
May 18, 2021Warranty Deed, Transfer
DOWD TITLE GROUP LLC, DOWD & DITTMAR TTL GROUP LLC
Aug 8, 2019Quit Claim Deed, Transfer
NOT AVAILABLE

Assessor's Deed Record

Deed NamesName on Deed
Last SaleDec 6, 2021 · Amount on File
Deed SaleDec 6, 2021 · Amount on File
Prior SaleMay 18, 2021 · Amount on File
Deed Document Number202180805
Deed Book / Page4216 / 1982
Record UpdatedJun 8, 2026

December 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateDec 6, 2021
Property Address4578 RIVER RANCH RD, MILTON, FL 32583-3205
Document Number0042161982
Book / Page4216 / 1982
Map ReferenceMB B PG 166
Instrument DateDec 3, 2021
Instrument202180805
Transaction TypeTransfer
Record UpdatedFeb 1, 2022
Title CompanyDOWN & DITMAR TTL GROUP LLC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,080.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address419 DOLPHIN ST, 419, GULF BREEZE, FL 32561-4235

Transferred To (Grantee/Buyer)

NameVerified Name
Address4301 JEMIGAN ROAD, PACE, FL 32571

Mortgage

Document Number0042161985
DateDec 6, 2021
Instrument4216/1985
Lender
NameUNIVERSITY LENDING GROUP LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueJan 1, 2052

May 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateMay 18, 2021
Property Address4578 RIVER RANCH RD, MILTON, FL 32583-3205
Document Number0041200399
Book / Page4120 / 399
Map ReferenceMB B PG 166
Instrument DateMay 14, 2021
Instrument202133216
Transaction TypeTransfer
Record UpdatedJul 26, 2021
Title CompanyDOWD TITLE GROUP LLC, DOWD & DITTMAR TTL GROUP LLC

Transaction

AmountAmount on Record
Tax$2,450.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4549 RIVER RANCH RD, 4549, MILTON, FL 32583-3226

Transferred To (Grantee/Buyer)

NameVerified Name
Address419 DOLPHIN ST, GULF BREEZE, FL 32561-4235

August 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSANTA ROSA FL
Recording DateAug 8, 2019
Property Address4578 RIVER RANCH RD, MILTON, FL 32583-3205
Document Number0038572060
Book / Page003857 / 002060
Instrument DateAug 8, 2019
Instrument34703
Transaction TypeTransfer
Record UpdatedOct 7, 2019
Title CompanyNOT AVAILABLE

Transaction

AmountAmount on Record
Tax$0.70
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4549 RIVER RANCH RD MILTON FL 325833226, MILTON, FL 32583-3226

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of July 1, 2024

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
2024$165.00 Homeowner's exemption$331,563 (+3%)$376,149 (+9.87%) Land $160,481 Building $215,668
2023$165.00 Homeowner's exemption$321,906 (+3%)$342,357 (+0.47%) Land $128,385 Building $213,972
2022$165.00 Homeowner's exemption$312,530$340,759 Land $128,385 Building $212,374

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

Flood

FEMA maps place 4578 River Ranch Rd 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 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 File
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

Wildfire risk around 4578 River Ranch Rd is moderate, ranking above 53% of the US, with a 0.1% annual chance of 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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