Santa Rosa County property record for 4640 Bayside Dr, Milton, FL 32583
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,220 sqft · built 1993 |
| Lot Size | 0.466 acres (20,299 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $350,000 (Nov 2022) |
| Tax Bill | $440 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit Nov 2022 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 32-1N-29-0229-00000-0190 |
| Primary APN | 32-1N-29-0229-00000-0190 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,220 sqft Living Area |
| Gross Area | 3,284 sqft |
| 1st Floor Area | 2,220 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Wood Frame (Stucco or Asbestos) |
| Construction Type | Wood |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 20,299 sqft (0.466 acres) |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 272 sqft |
| Deck Area | 448 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4640 BAYSIDE DR |
|---|---|
| City | MILTON |
| State | FL |
| Zip | 32583-8432 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | BAYSIDE SOUTH LOT 19 AS DES IN OR 4342 PG 270 |
| Legal Range | 29W |
| Legal Township | 1N |
| Legal Section | 32 |
| Legal Subdivision | BAYSIDE SOUTH/PH II |
| Legal Lot Number | 19 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | AVALON-MULAT |
| Census Block Group | 3 |
| Census Block | 3023 |
| Census Tract | 10711 |
Source: Santa Rosa County records, as of October 20, 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 4640 BAYSIDE DR, MILTON, FL 32583-8432 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 29, 2026 | Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION |
| Nov 4, 2022 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 4, 2022 · Amount on Record |
| Deed Sale | Nov 4, 2022 · Amount on Record |
| Prior Sale | Aug 16, 2016 · Amount on Record |
| Deed Document Number | 202262314 |
| Deed Book / Page | 4342 / 270 |
| Prior Transfer Date | Jun 9, 2022 |
| Prior Transfer Doc | 0000034768 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Sep 29, 2026 |
| Property Address | 4640 BAYSIDE DR, MILTON, FL 32583-8432 |
| Document Number | 0000049032 |
| Book / Page | 4793 / 976 |
| Instrument Date | Sep 21, 2026 |
| Instrument | 202649032 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2026 |
| Title Company | WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER |
| Name | Verified Name |
|---|---|
| Address | 4640 BAYSIDE DR, MILTON, FL 32583-8432 |
| Document Number | 0000049032, |
|---|---|
| Date | Sep 29, 2026 |
| Book Page | 4793/976 |
| Instrument | 202649032 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 481 Months |
| Due | Oct 1, 2066 |
| Max Rate | -1% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Nov 4, 2022 |
| Property Address | 4640 BAYSIDE DR, MILTON, FL 32583-8432 |
| Document Number | 0043420270 |
| Book / Page | 4342 / 270 |
| Map Reference | MB E PG 26 |
| Instrument Date | Nov 1, 2022 |
| Instrument | 202262314 |
| Transaction Type | Transfer |
| Record Updated | Dec 7, 2022 |
| Title Company | SUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,450.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5796 GUINEVERE LN, 5796, MILTON, FL 32583-5653 |
| Name | Verified Name |
|---|---|
| Address | 4640 BAYSIDE DR, MILTON, FL 32583-8432 |
| Document Number | 0004342271 |
|---|---|
| Date | Nov 4, 2022 |
| Instrument | 4342/271 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2052 |
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 | $440.00 Homeowner's exemption Veteran's exemption | $304,547 (+2.85%) Land $25,000 Building $279,547 | $304,547 (+1.87%) Land $25,000 Building $279,547 |
| 2024 | $440.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $296,117 (+3%) | $298,958 (+3.99%) Land $25,000 Building $273,958 |
| 2023 | Homeowner's exemption | $287,492 (+62.8%) Land $23,000 Building $264,492 | $287,492 (+13.11%) Land $23,000 Building $264,492 |
| 2022 | $1,617.00 Homeowner's exemption | $176,587 | $254,160 Land $13,500 Building $240,660 |
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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 13.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 82% of the US · above 72% of Florida |
|---|---|
| Wildfire Likelihood | 0.4% annual chance |
| Exposure | Direct burnable vegetation |
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 30 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 |
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