4654 Craig St, Milton, FL 32583 Property Records

Santa Rosa County property record for 4654 Craig St, Milton, FL 32583

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,134 sqft · built 2003
Lot Size	0.264 acres (11,543 sqft)
Owner	Individual Name on Record
Last Sale	$226,000 (Nov 2022)
Tax Bill	$1,465 (2024)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-1N-28-0030-00200-0071`

Property Details

APN / Parcel Number

Primary APN	`07-1N-28-0030-00200-0071`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,134 sqft Heated Area
Gross Area	1,671 sqft
1st Floor Area	1,431 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	11,543 sqft (0.264 acres)
Lot Dimensions	1,500 ft deep x 770 ft wide
Garage Area	297 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	071N280030002000071
Street Address	4654 CRAIG ST
City	MILTON
State	FL
Zip	32583-1622
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	ARCADIA N 54 FT OF LOT 7 & S 23 FT OF LOT 8 BLK 2 AS DES IN OR 4340 PG 1953
Legal Range	28W
Legal Township	01N
Legal Section	07
Legal Subdivision	ARCADIA
Legal Block	2
Legal Lot Number	7-8
Jurisdiction	SANTA ROSA FL
Township / Civil Division	PACE
Census Block Group	2
Census Block	2015
Census Tract	10704

Owner

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

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	4654 CRAIG ST, MILTON, FL 32583-1622
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2022	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Nov 14, 2019	Warranty Deed, Transfer UNIVERSITY LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 1, 2022 · Amount on Record
Deed Sale	Nov 1, 2022 · Amount on Record
Prior Sale	Nov 14, 2019 · Amount on Record
Deed Document Number	202261657
Deed Book / Page	4340 / 1953
Record Updated	Jun 8, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Nov 1, 2022
Property Address	4654 CRAIG ST, MILTON, FL 32583-1622
Document Number	0043401953
Book / Page	4340 / 1953
Map Reference	MB B PG 31
Instrument Date	Oct 31, 2022
Instrument	202261657
Transaction Type	Transfer
Record Updated	Nov 21, 2022
Title Company	GUARANTEED TITLE COMPANY, GUARANTEE TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,582.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4654 CRAIG ST, 4654, MILTON, FL 32583-1622

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	75 NIGHTINGALE LN APT 208, 208, GULF BREEZE, FL 32561-4302

Mortgage

Document Number	0043401955
Date	Nov 1, 2022
Instrument	4340/1955

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2052

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Nov 14, 2019
Property Address	4654 CRAIG ST, MILTON, FL 32583-1622
Document Number	0038900230
Book / Page	003890 / 000230
Instrument Date	Nov 12, 2019
Instrument	51403
Transaction Type	Transfer
Record Updated	Jan 31, 2020
Title Company	EMERALD COAST TITLE INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,000.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3244 COLLEGE CT GULF BREEZE FL 325633345, GULF BREEZE, FL 32563-3345

Mortgage

Document Number	38900233
Date	Nov 14, 2019
Book Page	003890/000233
Instrument	51404

Lender

Name	UNIVERSITY LNDG
Address	SOUTHFIEL, MI 48034

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 13, 2049

Tax Assessment & Valuation

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

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
2024	$1,465.00 (+2.73%) Homeowner's exemption	$152,967 (+3%)	$154,554 (+4.07%) Land $23,000 Building $131,554
2023	$1,426.00 (+99.72%) Homeowner's exemption	$148,512 (+58.79%) Land $18,000 Building $130,512	$148,512 (+8.66%) Land $18,000 Building $130,512
2022	$714.00 Homeowner's exemption	$93,527	$136,680 Land $18,000 Building $118,680

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Flood Insurance Cost	Premium on Record median of 15 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	8 (2014–2020)
Claims Outside the SFHA	8 of 8
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 2 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 62% of the US · lower than 62% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 169 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Cox Communications.

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