Santa Rosa County property record for 4781 Christopher Ln, Milton, FL 32583
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,154 sqft · built 2023 |
| Lot Size | 0.459 acres (19,994 sqft) |
| Owner | Individual Name on File |
| Last Sale | $234,000 (Jul 2023) |
| Tax Bill | $1,553 (2024) |
| Deeds & Mortgages | Jun 2023 Line of Credit Jul 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-1N-27-0000-00281-0000 |
| Primary APN | 09-1N-27-0000-00281-0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,154 sqft Living Area |
| Gross Area | 1,444 sqft |
| 1st Floor Area | 1,154 sqft |
| Flooring | Wood |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 19,994 sqft (0.459 acres) |
| Lot Dimensions | 200 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 220 sqft |
| Porch | Finished/Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4781 CHRISTOPHER LN |
|---|---|
| City | MILTON |
| State | FL |
| Zip | 32583-2501 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | *DESCRIPTION UPDATE FOR 2023** 09-1N-27W PARCEL 3: LOT 30 BLK 6 YELLOW RIVER FARMS, AN UNREC SUBD, DES AS FOL: COM AT I/S OF S SEC LN WTH W R/W LINE OF STATE RD 87; THN NWLY ALONG SAID R/W LINE 3373.97 FT TO A POINT; THN LEFT 481033 W 250 FT TO POB; |
| Legal Range | 27W |
| Legal Township | 1N |
| Legal Section | 09 |
| Legal Subdivision | YELLOW RIVER FARMS |
| Legal Block | 6 |
| Legal Lot Number | 30 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | EAST MILTON |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 10809 |
Source: Santa Rosa County assessment roll, APN 09-1N-27-0000-00281-0000, as of December 8, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4781 CHRISTOPHER LN, MILTON, FL 32583-2501 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Woman |
| Date | Document |
|---|---|
| Jun 01, 2023 | Deed of Trust, Mortgage · Line of Credit AMERIS BANK |
| Jul 24, 2023 | Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 24, 2023 · Amount on Record |
| Deed Sale | Jul 24, 2023 · Amount on Record |
| Deed Document Number | 202333052 |
| Deed Book / Page | 4417 / 1604 |
| Prior Transfer Date | Oct 25, 2010 |
| Prior Transfer Doc | 0030150062 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 4781 CHRISTOPHER LN, MILTON, FL 32583-2501 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Title Company | GENESIS LAND & TITLE CO, GENESIS LAND AND TTL CO LLC |
| Name | Verified Name |
|---|---|
| Address | 1300 E OLIVE RD, PENSACOLA, FL 32514-4820 |
| Investor | Possibly a Property Investor |
| Document Number | 0044010209 |
|---|---|
| Date | Jun 01, 2023 |
| Book Page | 4401/209 |
| Instrument | 202324304 |
| Name | AMERIS BANK |
|---|---|
| Type | Bank |
| Address | POOLER, GA 31322 |
| Type | Line of Credit |
|---|
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jul 24, 2023 |
| Property Address | 4781 CHRISTOPHER LN, MILTON, FL 32583-2501 |
| Document Number | 0044171604 |
| Book / Page | 4417 / 1604 |
| Instrument Date | Jul 20, 2023 |
| Instrument | 202333052 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2026 |
| Title Company | GENESIS LAND & TITLE CO, GENESIS LAND & TITLE CO LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,638.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1300 E OLIVE RD, PENSACOLA, FL 32514-4820 |
| Name | Verified Name |
|---|---|
| Address | 4781 CHRISTOPHER LN, MILTON, FL 32583-2501 |
| Document Number | 0044171606 |
|---|---|
| Date | Jul 24, 2023 |
| Instrument | 4417/1606 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2053 |
Source: Santa Rosa County assessment roll as of December 8, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Santa Rosa County |
| Unified School District | Santa Rosa County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $169,792 (+2.9%) | $171,026 (+3.65%) Land $17,000 Building $154,026 | |
| 2024 | $1,553.00 (+921.71%) Homeowner's exemption | $165,007 (+1,275.06%) Land $15,000 Building $150,007 | $165,007 (+1,275.06%) Land $15,000 Building $150,007 |
| 2023 | $152.00 (+47.57%) | $12,000 (+14.29%) Land $12,000 | $12,000 (+14.29%) Land $12,000 |
| 2022 | $103.00 | $10,500 | $10,500 Land $10,500 |
Source: FEMA National Flood Hazard Layer, Santa Rosa County (12113C), as of November 18, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121130108093, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 265 (1979–2020) |
| Claims Outside the SFHA | 15 of 265 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| Claims by Event |
|
| Wildfire Risk | Moderate above 63% of the US · lower than 61% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection, 10 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Communications Cable | 1,000 / 50 |
Source: EPA Safe Drinking Water Information System, water system FL1570232, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | EAST MILTON WATER SYSTEM public/private · serves 17,292 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2023 |
| Lead | 3 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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