4616 B Lowery Rd, Milton, FL 32583 Property Records

Santa Rosa County property record for 4616 B Lowery Rd, Milton, FL 32583

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,103 sqft · built 1993
Lot Size	8.02 acres (349,351 sqft)
Owner	Individual Name on Record
Last Sale	$420,000 (Jul 2020)
Tax Bill	$4,620 (2024)
Deeds & Mortgages	Mar 2017 Line of Credit Jul 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-1N-27-0000-02401-0000`

Property Details

APN / Parcel Number

Primary APN	`08-1N-27-0000-02401-0000`
Alternative APN	`N271080000024010000`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,103 sqft Living Area
Gross Area	5,438 sqft
1st Floor Area	1,839 sqft
Upper Floors Area	1,264 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	349,351 sqft (8.02 acres)
Lot Dimensions	528 ft deep x 249 ft wide
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
RV Parking	RV Parking
Porch	Finished/Open Porch
Porch Area	675 sqft
Patio Area	1,200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4616 B LOWERY RD
City	MILTON
State	FL
Zip	32583-2506
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG-RR
Legal Description	DESCRIPTION UPDATE FOR 2020 COM AT SW CORNER OF SECTION 24 TOWNSHP 1 NORTH RANGE 27 WEST THN S894327E ALONG S SECT LN ON S SEC LN 412.90 FT TO E R/W OF B LOWERY RD THN N537 20W ON RD 133.20 FT TO POB & CONTINUE 248.79 FT THN S89*43 03E 522.40 FT
Legal Range	27W
Legal Township	1N
Legal Section	08
Jurisdiction	SANTA ROSA FL
Township / Civil Division	EAST MILTON
Census Block Group	3
Census Block	3001
Census Tract	10809

Owner

Source: Santa Rosa County records, as of March 3, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	4616 B LOWERY RD, MILTON, FL 32583-2506
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 22, 2017	Deed of Trust, Mortgage · Line of Credit PEN AIR FCU
Jul 24, 2020	Warranty Deed, Transfer · Conventional Mortgage AMERICAN MORTGAGE SERVICE CO
Oct 25, 2019	Deed of Trust, Mortgage · VA Mortgage PENNYMAC
Dec 20, 2018	Warranty Deed, Transfer · VA Mortgage MORTAGAGE TRUST INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 24, 2020 · Amount on Record
Deed Sale	Jul 24, 2020 · Amount on Record
Prior Sale	Dec 20, 2018 · Amount on Record
Deed Document Number	202037080
Deed Book / Page	3981 / 501
Prior Transfer Date	Mar 26, 2008
Prior Transfer Doc	0028151117
Record Updated	Jun 8, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	4616 B LOWERY RD, MILTON, FL 32583-2506
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036080623
Date	Mar 22, 2017
Book Page	3608/0623
Instrument	201711022

Lender

Name	PEN AIR FCU
Type	Credit Union
Address	PENSACOLA, FL 32514

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jul 24, 2020
Property Address	4616 B LOWERY RD, MILTON, FL 32583-2506
Document Number	0039810501
Book / Page	3981 / 501
Instrument Date	Jul 7, 2020
Instrument	202037080
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,940.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4616 B LOWERY RD, 4616, MILTON, FL 32583-2506

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5182 WHITEHURST LN, CRESTVIEW, FL 32536-2205

Mortgage

Document Number	0003981504
Date	Jul 24, 2020
Instrument	3981/504

Lender

Name	AMERICAN MORTGAGE SERVICE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	4616 B LOWERY RD, MILTON, FL 32583-2506
Document Number	0038861521
Instrument Date	Oct 25, 2019
Transaction Type	Mortgage
Record Updated	Jan 7, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4616 B LOWERY RD MILTON FL 325832506, MILTON, FL 32583-2506

Mortgage

Document Number	0038861521
Date	Nov 4, 2019
Book Page	003886/001521
Instrument	49564

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 3, 2049

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Dec 20, 2018
Property Address	4616 B LOWERY RD, MILTON, FL 32583-2506
Document Number	0037911631
Book / Page	3791 / 1631
Map Reference	MB 2116 PG 1342
Instrument Date	Dec 18, 2018
Instrument	201853837
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	EMERALD COAST TITLE IN C

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,449.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4540 SLEEPY HAMMOCK DR, 4540, MILTON, FL 32583-3152

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4616 B LOWERY RD, MILTON, FL 32583-2506

Mortgage

Document Number	0201853838
Date	Dec 20, 2018
Instrument	201853838

Lender

Name	MORTAGAGE TRUST INC
Type	Non-Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

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		$452,582 (+2.9%)	$475,555 (+8.12%) Land $153,472 Building $322,083
2024	$4,620.00 (-1.13%) Homeowner's exemption Disabled Person's exemption Widower's exemption	$439,827 (+2.74%) Land $139,520 Building $300,307	$439,827 (+0.72%) Land $139,520 Building $300,307
2023	$4,673.00 (+28.84%) Homeowner's exemption	$428,091 (+27.97%)	$436,702 (+30.54%) Land $139,520 Building $297,182
2022	$3,627.00 Homeowner's exemption	$334,535	$334,535 Land $44,800 Building $289,735

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	265 (1979–2020)
Claims Outside the SFHA	15 of 265
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Frances, Sep 2004 · 135 claims Hurricane Georges, Oct 1998 · 40 claims Hurricane Opal, Oct 1995 · 46 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 63% of the US · lower than 60% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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	EAST MILTON WATER SYSTEM public/private · serves 17,292 people · EPA ID FL1570232
Water Source	Groundwater
Last State Inspection	Feb 2023
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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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