4678 Perception Cir, Milton, FL 32570 Property Records

Santa Rosa County property record for 4678 Perception Cir, Milton, FL 32570

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,520 sqft · built 2019
Lot Size	0.311 acres (13,547 sqft)
Owner	2 Individual Names on Record
Last Sale	$368,000 (Aug 2025)
Tax Bill	$3,752 (2025)
Deeds & Mortgages	Aug 2025 Sale & Mortgage Feb 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`26-2N-29-5715-00K00-0130`

Property Details

APN / Parcel Number

Primary APN	`26-2N-29-5715-00K00-0130`
Alternative APN	`N29226571500K000130`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,520 sqft Living Area
Gross Area	2,985 sqft
1st Floor Area	1,040 sqft
Upper Floors Area	1,480 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	13,547 sqft (0.311 acres)
Lot Depth	167 ft Depth
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	25 sqft
Deck Area	1 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4678 PERCEPTION CIR
City	MILTON
State	FL
Zip	32570-8920
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 13 BLK K WHISPER CREEK PHASE TWO AS DES IN OR 4649 PG 2093
Legal Range	29W
Legal Township	2N
Legal Section	26
Legal Subdivision	WHISPER CRK 1,2,3
Legal Block	K
Legal Lot Number	13
Jurisdiction	SANTA ROSA FL
Township / Civil Division	SKYLINE
Census Block Group	1
Census Block	1018
Census Tract	10504

Owner

Source: Santa Rosa County records, as of April 28, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	4678 PERCEPTION CIR, MILTON, FL 32570-8920
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2025	Warranty Deed, Transfer · Loan Assumption NEWREZ LLC
Feb 9, 2022	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jul 2, 2021	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Mar 30, 2020	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage DHI MORTGAGE COMPANY LTD
Dec 6, 2018	Grant Deed, Transfer DHI TITLE/FL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 2025 · Amount on Record
Deed Sale	Aug 21, 2025 · Amount on Record
Prior Sale	Feb 9, 2022 · Amount on Record
Deed Document Number	202538784
Deed Book / Page	4649 / 2093
Prior Transfer Date	Aug 14, 2024
Prior Transfer Doc	0046081822
Record Updated	Jun 8, 2026

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Aug 21, 2025
Property Address	4678 PERCEPTION CIR, MILTON, FL 32570-8920
Document Number	0046492093
Book / Page	4649 / 2093
Map Reference	MB 11 PG 26&27
Instrument Date	Aug 8, 2025
Instrument	202538784
Transaction Type	Transfer
Record Updated	Mar 27, 2026
Title Company	SURETY LAND TITLE/FL LLC, SURETY LAND TITLE OF FL LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,576.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	933 GERONNE DR, EL PASO, TX 79907-3421

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4678 PERCEPTION CIR, MILTON, FL 32570-8920

Mortgage

Document Number	0046500001
Date	Aug 21, 2025
Book Page	4650/1
Instrument	202538785

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Loan Assumption
Amount	Amount Recorded

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Feb 9, 2022
Property Address	4678 PERCEPTION CIR, MILTON, FL 32570-8920
Document Number	0042432047
Book / Page	4243 / 2047
Map Reference	MB 11 PG 26&27
Instrument Date	Feb 9, 2022
Instrument	202207794
Transaction Type	Transfer
Record Updated	Apr 1, 2022
Title Company	NOT AVAILABLE, TRADEWINDS TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,414.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	32 WHITE DUNE CV, 32, SANTA ROSA BEACH, FL 32459-7500

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4678 PERCEPTION CIR, MILTON, FL 32570-8920

Mortgage

Document Number	0042432049
Date	Feb 9, 2022
Instrument	4243/2049

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	4678 PERCEPTION CIR, MILTON, FL 32570-8920
Transaction Type	Mortgage
Record Updated	Aug 30, 2021
Title Company	BOSTON NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4678 PERCEPTION CIR, MILTON, FL 32570-8920

Mortgage

Document Number	0041431567
Date	Jul 2, 2021
Book Page	4143/1567
Instrument	202144943

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

March 2020: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Mar 30, 2020
Property Address	4678 PERCEPTION CIR, MILTON, FL 32570-8920
Document Number	0039331880
Book / Page	3933 / 1880
Map Reference	MB 11 PG 26&27
Instrument Date	Mar 25, 2020
Instrument	202015305
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 14, 2021
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,687.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	25366 PROFIT DR, 25366, DAPHNE, AL 36526-5126

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4678 PERCEPTION CIR, MILTON, FL 32570-8920

Mortgage

Document Number	0039331882
Date	Mar 30, 2020
Instrument	3933/1882

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Dec 6, 2018
Property Address	4678 PERCEPTION CIR, MILTON, FL 32570-8920
Document Number	0037880799
Book / Page	003788 / 000799
Instrument Date	Dec 6, 2018
Instrument	51887
Transaction Type	Transfer
Record Updated	Feb 4, 2019
Title Company	DHI TITLE/FL INC

Transaction

Amount	Amount Recorded
Tax	$4,900.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	25366 PROFIT DR DAPHNE AL 365265126, DAPHNE, AL 36526-5126

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	$3,752.00 (+4.28%)	$311,027 (+3.03%) Land $50,000 Building $261,027	$311,027 (+3.03%) Land $50,000 Building $261,027
2024	$3,598.00 (-2.31%)	$301,868 (-0.77%) Land $38,000 Building $263,868	$301,868 (-0.77%) Land $38,000 Building $263,868
2023	$3,683.00 (+7.6%)	$304,217 (+5.44%) Land $38,000 Building $266,217	$304,217 (+5.44%) Land $38,000 Building $266,217
2022	$3,423.00	$288,525	$288,525 Land $35,000 Building $253,525

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 27 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	27 in force

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	High above 71% of the US · above 53% of Florida
Wildfire Likelihood	0.3% 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	MILTON, CITY OF WATER SYSTEM serves 21,241 people · EPA ID FL1570146
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	5 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Verizon Fixed Wireless	300 / 20

May also be available: Mediacom Xtream.

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