4785 Kolb Rd, Milton, FL 32570 Property Records

Santa Rosa County property record for 4785 Kolb Rd, Milton, FL 32570

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,749 sqft · built 2017
Lot Size	2.75 acres (119,921 sqft)
Owner	2 Individual Names on File
Last Sale	$500,000 (Apr 2021)
Tax Bill	$4,000 (2024)
Deeds & Mortgages	Mar 2022 Transfer Apr 2017 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`11-2N-29-0000-00119-0000`

Property Details

APN / Parcel Number

Primary APN	`11-2N-29-0000-00119-0000`
Alternative APN	`N292110000001190000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,749 sqft Living Area
Gross Area	3,600 sqft
1st Floor Area	2,749 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	119,921 sqft (2.75 acres)
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	368 sqft
Deck Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4785 KOLB RD
City	MILTON
State	FL
Zip	32570-2516
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG-RR
Legal Description	DESC UPD 2022 11-2N-29W LOT 16 UNREC: COM AT SE COR SEC 11 THN N891311W ON S SEC LN 2524.74 FT THN N004649E 360.18 FT TO N LN OF LOT 17 OF UNREC SUB FOR POB; THN N891513W 356.17 FT TO E R/W OF OSER RD THN N015357E ON R/W 414.47 FT TO S R/W OF K
Legal Range	29W
Legal Township	2N
Legal Section	11
Legal Subdivision	UNRECORDED SUB
Legal Lot Number	16
Jurisdiction	SANTA ROSA FL
Township / Civil Division	SKYLINE
Census Block Group	1
Census Block	1011
Census Tract	10506

Owner

4785 Kolb Rd is owned and occupied by two individuals who acquired it in March 2022.

Source: Santa Rosa County records, as of December 8, 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	2 Individual Names on File
Mailing Address	4785 KOLB RD, MILTON, FL 32570-2516
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2022	Intrafamily Transfer, Transfer
Apr 19, 2017	Deed of Trust, Mortgage · ARM PEN AIR FCU
Oct 18, 2018	Deed of Trust, Mortgage · Line of Credit PEN AIR FCU
Sep 14, 2020	Deed of Trust, Mortgage · Line of Credit PEN AIR FEDERAL CU
Apr 22, 2021	Warranty Deed, Transfer · Conventional Mortgage UNIVERSITY LENDING GROUP LLC
Apr 22, 2021	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Mar 24, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 22, 2021 · Amount on File
Deed Sale	Apr 22, 2021 · Amount on File
Deed Document Number	202126690
Deed Book / Page	4107 / 1436
Last Transfer Date	Mar 15, 2022
Transfer Doc	0042590653
Record Updated	Sep 20, 2026

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA ROSA FL
Recording Date	Mar 16, 2022
Property Address	4785 KOLB RD, MILTON, FL 32570-2516
Document Number	0042590653
Book / Page	4259 / 653
Instrument Date	Mar 15, 2022
Instrument	202215807
Transaction Type	Transfer
Record Updated	Apr 28, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4785 KOLB RD, MILTON, FL 32570-2516

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	4785 KOLB RD, MILTON, FL 32570-2516
Transaction Type	Mortgage
Record Updated	Jul 26, 2021
Title Company	SURETY LAND TITLE OF FLORIDA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036160839
Date	Apr 19, 2017
Book Page	3616/0839
Instrument	201715138

Lender

Name	PEN AIR FCU
Type	Credit Union
Address	PENSACOLA, FL 32514

Agreement

Type	ARM
Amount	Amount on Record
Term	373 Months
Due	May 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	May 1, 2028
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.75%
Index	1-Year LIBOR
Max Rate	8.75%

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	4785 KOLB RD, MILTON, FL 32570-2516
Transaction Type	Mortgage
Record Updated	Jul 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037750574
Date	Oct 18, 2018
Book Page	3775/0574
Instrument	201844857

Lender

Name	PEN AIR FCU
Type	Credit Union
Address	PENSACOLA, FL 32514

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 17, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	4785 KOLB RD, MILTON, FL 32570-2516
Transaction Type	Mortgage
Record Updated	Jul 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4785 KOLD RD, MILTON, FL 32570-2516

Mortgage

Document Number	0040030703
Date	Sep 14, 2020
Book Page	4003/703
Instrument	202047492

Lender

Name	PEN AIR FEDERAL CU
Type	Credit Union
Address	PENSACOLA, FL 32514

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 13, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Apr 22, 2021
Property Address	4785 KOLB RD, MILTON, FL 32570-2516
Document Number	0041071436
Book / Page	4107 / 1436
Instrument Date	Apr 22, 2021
Instrument	202126690
Transaction Type	Transfer
Record Updated	Jul 26, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,500.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4785 KOLB RD, MILTON, FL 32570-2516

Mortgage

Document Number	41071438
Date	Apr 22, 2021
Instrument	4107/1438

Lender

Name	UNIVERSITY LENDING GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA ROSA FL
Recording Date	Apr 22, 2021
Property Address	4785 KOLB RD, MILTON, FL 32570-2516
Document Number	0041071221
Book / Page	4107 / 1221
Instrument Date	Apr 21, 2021
Instrument	202126620
Transaction Type	Transfer
Record Updated	Jul 26, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5929 CASTLE DR, MILTON, FL 32570-8771

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Mar 24, 2017
Property Address	4785 KOLB RD, MILTON, FL 32570-2516
Document Number	0036090131
Book / Page	003609 / 000131
Instrument Date	Mar 10, 2017
Instrument	11380
Transaction Type	Transfer
Record Updated	Apr 5, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5346 JENNY CIR PACE FL 325712840, PACE, FL 32571-2840

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		$380,664 (+1.42%) Land $67,999 Building $312,665	$380,664 (+1.42%) Land $67,999 Building $312,665
2024	$4,000.00 (-0.77%) Homeowner's exemption	$375,317 (+0.74%) Land $67,999 Building $307,318	$375,317 (+0.74%) Land $67,999 Building $307,318
2023	$4,031.00 (+2.1%) Homeowner's exemption	$372,548 (+2.91%) Land $67,999 Building $304,549	$372,548 (+2.91%) Land $67,999 Building $304,549
2022	$3,948.00 Homeowner's exemption	$362,020	$362,020 Land $57,537 Building $304,483

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

Flood

FEMA maps place 4785 Kolb Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims 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 30 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	30 in force
Nearby Flood Claims	2 (2014–2020)
Most Recent Claim	Sep 2020 · Hurricane Sally

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 4785 Kolb Rd is moderate, ranking above 69% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	Moderate above 69% of the US · above 49% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber	2,000 / 2,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Kolb Rd

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