4718 Spears St, Milton, FL 32571 Property Records

Santa Rosa County property record for 4718 Spears St, Milton, FL 32571

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,523 sqft · built 2007
Lot Size	0.277 acres (12,066 sqft)
Owner	Individual Name on File
Last Sale	$253,000 (Oct 2007)
Tax Bill	$2,308 (2024)
Deeds & Mortgages	Dec 2025 Second Mortgage Oct 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11-1N-29-5243-00B00-0010`

Property Details

APN / Parcel Number

Primary APN	`11-1N-29-5243-00B00-0010`
Alternative APN	`N29111524300B000010`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,523 sqft Living Area
Gross Area	3,474 sqft
1st Floor Area	2,523 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	12,066 sqft (0.277 acres)
Lot Dimensions	144 ft deep x 84 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Screened Porch
Porch Area	489 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4718 SPEARS ST
City	MILTON
State	FL
Zip	32571-1415
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SPENCER RIDGE WEST LOT 1 BLK B AS DES IN OR 2779 PG 1296 & AS DES IN OR 4191 PG 689
Legal Range	29W
Legal Township	1N
Legal Section	11
Legal Subdivision	SPENCER RIDGE WEST
Legal Block	B
Legal Lot Number	1
Jurisdiction	SANTA ROSA FL
Township / Civil Division	PACE
Census Block Group	3
Census Block	3014
Census Tract	10704

Owner

4718 Spears St is owned and occupied by an individual who acquired it in April 2021.

Source: Santa Rosa County records, as of December 31, 2025

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	4718 SPEARS ST, MILTON, FL 32571-1415
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Oct 11, 2021	· Conventional Mortgage QUICKEN LOANS LLC
Jun 14, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 24, 2007 · Amount on File
Deed Sale	Oct 24, 2007 · Amount on File
Prior Sale	Nov 21, 2006 · Amount on File
Deed Document Number	200749565
Deed Book / Page	2779 / 1296
Last Transfer Date	Apr 9, 2021
Transfer Doc	0041910689
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	4718 SPEARS ST, PACE, FL 32571-1415
Transaction Type	Mortgage
Record Updated	Dec 31, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4718 SPEARS ST, MILTON, FL 32571-1415

Mortgage

Document Number	0046881771
Date	Dec 15, 2025
Book Page	4688/1771
Instrument	202558223

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

October 2021:

Jurisdiction	SANTA ROSA FL
Recording Date	Oct 11, 2021
Property Address	4718 SPEARS ST, PACE, FL 32571-1415
Document Number	0041910689
Book / Page	4191 / 689
Map Reference	MB 10 PG 46
Instrument Date	Apr 9, 2021
Instrument	202167844
Record Updated	Aug 2, 2022
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4718 SPEARS ST, PACE, FL 32571-1415

Mortgage

Document Number	0041910693
Date	Oct 11, 2021
Book Page	4191/693
Instrument	202167845

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	355 Months
Due	May 1, 2051

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	4718 SPEARS ST, PACE, FL 32571-1415
Document Number	0038410680
Instrument Date	Jun 14, 2019
Transaction Type	Mortgage
Record Updated	Sep 3, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4718 SPEARS ST PACE FL 325711415, PACE, FL 32571-1415

Mortgage

Document Number	0038410680
Date	Jun 19, 2019
Book Page	003841/000680
Instrument	26098

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 18, 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		$213,393 (+2.9%)	$306,764 (+4.79%) Land $45,000 Building $261,764
2024	$2,308.00 (+9.02%) Homeowner's exemption	$207,379 (+3%)	$292,731 (+2.35%) Land $45,000 Building $247,731
2023	$2,117.00 (+2.77%) Homeowner's exemption	$201,339 (+3%)	$286,019 (+2.77%) Land $41,000 Building $245,019
2022	$2,060.00 Homeowner's exemption	$195,475	$278,322 Land $33,000 Building $245,322

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4718 Spears St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2014.

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 File median of 37 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	37 in force
Nearby Flood Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2014 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding

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

Wildfire risk around 4718 Spears St is moderate, ranking above 50% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 50% of the US · lower than 79% of Florida
Wildfire Likelihood	0.1% 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.

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 112 locations within half a mile, as of December 31, 2025

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

May also be available: Hotwire Communications.

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