Santa Rosa County property record for 4589 Sunlight Cir, Milton, FL 32583
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,856 sqft · built 2020 |
| Lot Size | 0.268 acres (11,674 sqft) |
| Owner | Individual Name on File |
| Last Sale | $205,000 (Oct 2020) |
| Tax Bill | $2,917 (2025) |
| Deeds & Mortgages | Sep 2023 Mortgage Oct 2020 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 32-1N-29-5277-00A00-0180 |
| Primary APN | 32-1N-29-5277-00A00-0180 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,856 sqft Living Area |
| Gross Area | 2,326 sqft |
| 1st Floor Area | 1,856 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 11,674 sqft (0.268 acres) |
| Garage Type | Attached |
| Garage Area | 322 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Patio Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4589 SUNLIGHT CIR |
|---|---|
| City | MILTON |
| State | FL |
| Zip | 32583-8466 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | SUNSET BAYOU LOT 18 BLK A AS DES IN OR 4017 PG 1189 |
| Legal Range | 29W |
| Legal Township | 1N |
| Legal Section | 32 |
| Legal Subdivision | SUNSET BAYOU |
| Legal Block | A |
| Legal Lot Number | 18 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | AVALON-MULAT |
| Census Block Group | 3 |
| Census Block | 3023 |
| Census Tract | 10711 |
4589 Sunlight Cir is owned and occupied by an individual who bought it in October 2020.
Source: Santa Rosa County records, as of May 22, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4589 SUNLIGHT CIR, MILTON, FL 32583-8466 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 15, 2023 | Deed of Trust, Mortgage · VA Mortgage ELEVATED HOME LOANS LLC |
| Oct 21, 2020 | Warranty Deed, Transfer · VA Mortgage UNIVERSITY LENDING GROUP LLC |
| May 1, 2020 | Warranty Deed, Transfer ATTORNEY ONLY |
| Mar 9, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 21, 2020 · Amount on File |
| Deed Sale | Oct 21, 2020 · Amount on File |
| Prior Sale | Mar 30, 2005 · Amount on File |
| Deed Document Number | 202054700 |
| Deed Book / Page | 4017 / 1189 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 4589 SUNLIGHT CIR, MILTON, FL 32583-8466 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2024 |
| Name | Verified Name |
|---|---|
| Address | 4589 SUNLIGHT CIR, MILTON, FL 32583-8466 |
| Document Number | 0044340727 |
|---|---|
| Date | Sep 15, 2023 |
| Book Page | 4434/727 |
| Instrument | 202342184 |
| Name | ELEVATED HOME LOANS LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | SCOTTSDALE, AZ 85262 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Oct 21, 2020 |
| Property Address | 4589 SUNLIGHT CIR, MILTON, FL 32583-8466 |
| Document Number | 0040171189 |
| Book / Page | 4017 / 1189 |
| Map Reference | MB G PG 14 |
| Instrument Date | Oct 20, 2020 |
| Instrument | 202054700 |
| Transaction Type | Transfer |
| Record Updated | Aug 2, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,435.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5593 MADELINES WAY, 5593, PACE, FL 32571-6864 |
| Name | Verified Name |
|---|---|
| Address | 4589 SUNLIGHT CIR, MILTON, FL 32583-8466 |
| Document Number | 0040171191 |
|---|---|
| Date | Oct 21, 2020 |
| Instrument | 4017/1191 |
| Name | UNIVERSITY LENDING GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | May 1, 2020 |
| Property Address | 4589 SUNLIGHT CIR, MILTON, FL 32583-8466 |
| Document Number | 0039460585 |
| Book / Page | 003946 / 000585 |
| Instrument Date | Apr 30, 2020 |
| Instrument | 20850 |
| Transaction Type | Transfer |
| Record Updated | Jun 23, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $77.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5593 MADELINES WAY PACE FL 325716864, PACE, FL 32571-6864 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Mar 9, 2020 |
| Property Address | 4589 SUNLIGHT CIR, MILTON, FL 32583-8466 |
| Document Number | 0039261564 |
| Book / Page | 003926 / 001564 |
| Instrument Date | Feb 20, 2020 |
| Instrument | 11389 |
| Transaction Type | Transfer |
| Record Updated | May 20, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1149 99TH ST BAY HARBOR ISLANDS FL 331541718, BAY HARBOR ISLANDS, FL 33154-1718 |
The 2025 property tax bill for 4589 Sunlight Cir was $2,917, up 1.5% from the year before.
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 | $2,917.00 (+1.53%) | $225,755 (+1.62%) Land $21,250 Building $204,505 | $225,755 (+1.62%) Land $21,250 Building $204,505 |
| 2024 | $2,873.00 (-3.07%) | $222,160 (+1.64%) Land $21,250 Building $200,910 | $222,160 (+1.64%) Land $21,250 Building $200,910 |
| 2023 | $2,964.00 (+6.93%) | $218,580 (+4.86%) Land $19,550 Building $199,030 | $218,580 (+4.86%) Land $19,550 Building $199,030 |
| 2022 | $2,772.00 | $208,451 | $208,451 Land $11,475 Building $196,976 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4589 Sunlight Cir in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 71 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 71 in force |
| Nearby Flood Claims | 15 (2020–2026) |
| Claims Outside the SFHA | 1 of 15 |
| Most Recent Claim | Jul 2026 · rainfall accumulation |
| 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.
Wildfire risk around 4589 Sunlight Cir is high, ranking above 78% of the US, with a 0.4% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 78% of the US · above 67% of Florida |
|---|---|
| Wildfire Likelihood | 0.4% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 32 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 |
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