4735 Spears St, Milton, FL 32571 Property Records

Santa Rosa County property record for 4735 Spears St, Milton, FL 32571

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,469 sqft · built 2008
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on Record
Last Sale	$364,000 (Jun 2026)
Tax Bill	$2,986 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Dec 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`11-1N-29-5243-00D00-0030`

Property Details

APN / Parcel Number

Primary APN	`11-1N-29-5243-00D00-0030`
Alternative APN	`N29111524300D000030`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,469 sqft Living Area
Gross Area	3,800 sqft
1st Floor Area	2,469 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	144 ft deep x 85 ft wide
Garage Type	Attached
Garage Area	524 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Florida Room
Porch Area	348 sqft
Patio Area	459 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4735 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 BLK D LOT 3 AS DES IN OR 3897 PG 881
Legal Range	29W
Legal Township	1N
Legal Section	11
Legal Subdivision	SPENCER RIDGE WEST
Legal Block	D
Legal Lot Number	3
Jurisdiction	SANTA ROSA FL
Township / Civil Division	PACE
Census Block Group	3
Census Block	3000
Census Tract	10704

Owner

Source: Santa Rosa County records, as of August 3, 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	4735 SPEARS ST, MILTON, FL 32571-1415
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2026	Warranty Deed, Transfer · VA Mortgage MORTGAGE CENTER LLC
Dec 6, 2019	Warranty Deed, Transfer KNIGHT BARRY TITLE SOLUTIONS INC, KNIGHT BARRY TITLE SOLUTIONS I

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 25, 2026 · Amount on Record
Deed Sale	Jun 25, 2026 · Amount on Record
Prior Sale	Dec 6, 2019 · Amount on Record
Deed Document Number	202632094
Deed Book / Page	4759 / 1993
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jun 25, 2026
Property Address	4735 SPEARS ST, MILTON, FL 32571-1415
Document Number	0000032094
Book / Page	4759 / 1993
Instrument Date	Jun 10, 2026
Instrument	202632094
Transaction Type	Transfer
Record Updated	Aug 3, 2026
Title Company	OMEGA TITLE, OMEGA NATIONAL TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$257,348.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4735 SPEARS ST, MILTON, FL 32571-1415

Mortgage

Document Number	0000032095,
Date	Jun 25, 2026
Book Page	4759/1995
Instrument	202632095

Lender

Name	MORTGAGE CENTER LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.36%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Dec 6, 2019
Property Address	4735 SPEARS ST, PACE, FL 32571-1415
Document Number	0038970881
Book / Page	003897 / 000881
Instrument Date	Dec 6, 2019
Instrument	55083
Transaction Type	Transfer
Record Updated	Feb 25, 2020
Title Company	KNIGHT BARRY TITLE SOLUTIONS INC, KNIGHT BARRY TITLE SOLUTIONS I

Transaction

Amount	Amount Recorded
Tax	$1,645.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4735 SPEARS ST PACE FL 325711415, PACE, FL 32571-1415

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	$2,986.00 (+3.75%) Homeowner's exemption Senior Citizen's exemption	$294,628 (+3.34%) Land $45,000 Building $249,628	$294,628 (+3.34%) Land $45,000 Building $249,628
2024	$2,878.00 (-8.08%) Homeowner's exemption Senior Citizen's exemption	$285,097 (+2.29%) Land $45,000 Building $240,097	$285,097 (+2.29%) Land $45,000 Building $240,097
2023	$3,131.00 (+2.32%) Homeowner's exemption	$278,721 (+2.81%) Land $41,000 Building $237,721	$278,721 (+2.81%) Land $41,000 Building $237,721
2022	$3,060.00 Homeowner's exemption	$271,111	$271,111 Land $33,000 Building $238,111

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
Flood Insurance Cost	Premium on Record 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

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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