Santa Rosa County property record for 4781 Spears St, Milton, FL 32571
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,223 sqft · built 2007 |
| Lot Size | 0.253 acres (11,021 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $400,000 (Aug 2023) |
| Tax Bill | $3,055 (2025) |
| Deeds & Mortgages | Jan 2026 Transfer Jan 2026 Transfer + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-1N-29-5243-00C00-0250 |
| Primary APN | 11-1N-29-5243-00C00-0250 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,223 sqft Living Area |
| Gross Area | 3,135 sqft |
| 1st Floor Area | 2,223 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| 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 | 11,021 sqft (0.253 acres) |
| Lot Dimensions | 130 ft deep x 85 ft wide |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
| Porch Area | 300 sqft |
| Patio Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4781 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 25 BLK C AS DES IN OR 4429 PG 490 |
| Legal Range | 29W |
| Legal Township | 1N |
| Legal Section | 11 |
| Legal Subdivision | SPENCER RIDGE WEST |
| Legal Block | C |
| Legal Lot Number | 25 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | PACE |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 10704 |
Source: Santa Rosa County records · APN 11-1N-29-5243-00C00-0250
Assessment roll updated December 8, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | 4781 SPEARS ST, MILTON, FL 32571-1415 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Jan 30, 2026 | Correction Deed ACCOMODATION, ACCOMMODATION |
| Jan 13, 2026 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Aug 29, 2023 | Warranty Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING |
| Sep 24, 2021 | Deed of Trust, Mortgage · Conventional Mortgage RENASANT BANK |
| Dec 20, 2017 | Deed of Trust, Mortgage · Commercial Mortgage REGIONS BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 29, 2023 · Amount on Record |
| Deed Sale | Aug 29, 2023 · Amount on Record |
| Prior Sale | Dec 13, 2007 · Amount on Record |
| Deed Document Number | 202339382 |
| Deed Book / Page | 4429 / 490 |
| Last Transfer Date | Jan 29, 2026 |
| Transfer Doc | 0047031276 |
| Record Updated | Sep 20, 2026 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jan 30, 2026 |
| Property Address | 4781 SPEARS ST, PACE, FL 32571-1415 |
| Document Number | 0047031276 |
| Book / Page | 4703 / 1276 |
| Map Reference | MB 10 PG 46 |
| Instrument Date | Jan 29, 2026 |
| Instrument | 202604797 |
| Record Updated | Feb 12, 2026 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|---|
| Address | 4781 SPEARS ST, PACE, FL 32571-1415 |
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 4781 SPEARS ST, PACE, FL 32571-1415 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jan 13, 2026 |
| Property Address | 4781 SPEARS ST, PACE, FL 32571-1415 |
| Document Number | 0046980850 |
| Book / Page | 4698 / 850 |
| Map Reference | MB 10 PG 46 |
| Instrument Date | Jan 12, 2026 |
| Instrument | 202601778 |
| Transaction Type | Transfer |
| Record Updated | Jan 29, 2026 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4781 SPEARS ST, PACE, FL 32571-1415 |
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 4781 SPEARS ST, PACE, FL 32571-1415 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Aug 29, 2023 |
| Property Address | 4781 SPEARS ST, PACE, FL 32571-1415 |
| Document Number | 0044290490 |
| Book / Page | 4429 / 490 |
| Map Reference | MB 10 PG 46 |
| Instrument Date | Aug 25, 2023 |
| Instrument | 202339382 |
| Transaction Type | Transfer |
| Record Updated | Sep 28, 2023 |
| Title Company | PURE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,800.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4737 TIMBERLAND DR, PACE, FL 32571-6218 |
| Name | Verified Name |
|---|---|
| Address | 4781 SPEARS ST, PACE, FL 32571-1415 |
| Document Number | 0004429493 |
|---|---|
| Date | Aug 29, 2023 |
| Instrument | 4429/493 |
| Name | NEW AMERICAN FUNDING |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 4781 SPEARS ST, PACE, FL 32571-1415 |
| Transaction Type | Mortgage |
| Record Updated | Oct 15, 2021 |
| Title Company | KNIGHT BARRY TITLE SOLUTIONS INC, KNIGHT BARRY TITLE SLN INC |
| Name | Verified Name |
|---|---|
| Address | 4781 SPEARS ST, PACE, FL 32571-1415 |
| Document Number | 0041821612 |
|---|---|
| Date | Sep 24, 2021 |
| Book Page | 4182/1612 |
| Instrument | 202163881 |
| Name | RENASANT BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 4781 SPEARS ST, PACE, FL 32571-1415 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0036880445 |
|---|---|
| Date | Dec 20, 2017 |
| Book Page | 3688/0445 |
| Instrument | 201752236 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35211 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 08, 2032 |
Source: Santa Rosa County records · Assessment roll updated December 8, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Santa Rosa County |
| Unified School District | Santa Rosa County School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,055.00 (+1.43%) Homeowner's exemption | $278,939 (+1.4%) Land $45,000 Building $233,939 | $278,939 (+1.4%) Land $45,000 Building $233,939 |
| 2024 | $3,012.00 (+76.14%) Homeowner's exemption | $275,096 (+61.57%) Land $45,000 Building $230,096 | $275,096 (+4.05%) Land $45,000 Building $230,096 |
| 2023 | $1,710.00 (+2.89%) Homeowner's exemption | $170,260 (+3%) | $264,378 (+2.93%) Land $41,000 Building $223,378 |
| 2022 | $1,662.00 Homeowner's exemption | $165,301 | $256,861 Land $33,000 Building $223,861 |
Source: FEMA National Flood Hazard Layer as of November 18, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Moderate above 58% of the US · lower than 69% 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 as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Mediacom Communications Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
Based on FCC filings for 114 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | PACE WATER SYSTEM, INC. private · serves 49,328 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2024 |
| Lead | 3 ppb (2023) action level 15 ppb |
| 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 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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