4859 Red Oak Dr, Milton, FL 32583 Property Records

Santa Rosa County property record for 4859 Red Oak Dr, Milton, FL 32583

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,565 sqft · built 2020
Lot Size	0.516 acres (22,477 sqft)
Owner	2 Individual Names on Record
Last Sale	$296,900 (Nov 2020)
Tax Bill	$3,256 (2025)
Deeds & Mortgages	May 2026 Line of Credit Mar 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`07-1N-27-3253-00F00-0020`

Property Details

APN / Parcel Number

Primary APN	`07-1N-27-3253-00F00-0020`
Alternative APN	`N27107325300F000020`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,565 sqft Living Area
Gross Area	3,406 sqft
1st Floor Area	2,565 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	22,477 sqft (0.516 acres)
Lot Dimensions	300 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	580 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4859 RED OAK DR
City	MILTON
State	FL
Zip	32583-2767
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR1
Legal Description	PRESERVE (THE) LOT 2 BLK F AS DES IN OR 4025 PG 651
Legal Range	27W
Legal Township	1N
Legal Section	07
Legal Subdivision	PRESERVE (THE)
Legal Block	F
Legal Lot Number	2
Jurisdiction	SANTA ROSA FL
Township / Civil Division	EAST MILTON
Census Block Group	2
Census Block	2019
Census Tract	10809

Owner

Source: Santa Rosa County records, as of May 26, 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	4859 RED OAK DR, MILTON, FL 32583-2767
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 6, 2026	Deed of Trust, Mortgage · Line of Credit PINNACLE BANK
Mar 23, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Nov 5, 2020	Warranty Deed, Subdivision Related Transfer · FHA Mortgage SYNOVUS BANK
Mar 19, 2020	Warranty Deed, Construction Loan · Construction Mortgage THE FIRST A NATIONAL BANKING ASSN
Aug 1, 2018	Trustee's Deed, Transfer · Line of Credit BEACH CMNTY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 5, 2020 · Amount on Record
Deed Sale	Nov 5, 2020 · Amount on Record
Prior Sale	Mar 19, 2020 · Amount on Record
Deed Document Number	202058563
Deed Book / Page	4025 / 651
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Recording Date	May 6, 2026
Property Address	4859 RED OAK DR, MILTON, FL 32583-2767
Document Number	0000022894
Book / Page	4741 / 389
Instrument Date	Apr 30, 2026
Instrument	202622894
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4859 RED OAK DR, MILTON, FL 32583-2767

Mortgage

Document Number	0000022894,
Date	May 6, 2026
Book Page	4741/389
Instrument	202622894

Lender

Name	PINNACLE BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.46%
Max Rate	-1%

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	4859 RED OAK DR, MILTON, FL 32583-2767
Transaction Type	Mortgage
Record Updated	Aug 2, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4859 RED OAK DR, MILTON, FL 32583-2767

Mortgage

Document Number	0042620476
Date	Mar 23, 2022
Book Page	4262/476
Instrument	202217458

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	345 Months
Due	Dec 1, 2050

November 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Nov 5, 2020
Property Address	4859 RED OAK DR, MILTON, FL 32583-2767
Document Number	0040250651
Book / Page	4025 / 651
Map Reference	MB 11 PG 93-97
Instrument Date	Nov 4, 2020
Instrument	202058563
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 2, 2022
Title Company	MEAD LAW & TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,078.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	923 SKIPPER AVE, 923, FORT WALTON BEACH, FL 32547-7316

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4859 RED OAK DR, MILTON, FL 32583-2767

Mortgage

Document Number	0004025653
Date	Nov 5, 2020
Instrument	4025/653

Lender

Name	SYNOVUS BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Oct 1, 2050

March 2020: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Mar 19, 2020
Property Address	4859 RED OAK DR, MILTON, FL 32583-2767
Document Number	0039301987
Book / Page	3930 / 1987
Map Reference	MB 11 PG 93-97
Instrument Date	Mar 16, 2020
Instrument	202013686
Transaction Type	Construction Loan
Record Updated	Aug 2, 2022
Title Company	MEAD LAW & TITLE

Transaction

Amount	Amount Recorded
Tax	$248.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	819 FINEDALE ROAD, 819, FORT WALTON BEACH, FL 32547

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	923 SKIPPER AVE, FORT WALTON BEACH, FL 32547-7316

Mortgage

Document Number	0039301989
Date	Mar 19, 2020
Instrument	3930/1989

Lender

Name	THE FIRST A NATIONAL BANKING ASSN
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

August 2018: Trustee's Deed, Transfer

Document Type	Trustee's Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Aug 1, 2018
Property Address	4859 RED OAK DR, MILTON, FL 32583-2767
Document Number	0037530996
Book / Page	003753 / 000996
Instrument Date	Jul 5, 2018
Instrument	32898
Transaction Type	Transfer
Record Updated	Oct 10, 2018
Title Company	MITCHELL LAND AND TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$14,004.90
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	819 PINEDALE RD FORT WALTON BEACH FL 325472427, FORT WALTON BEACH, FL 32547-2427
Investor	Possibly a Property Investor

Mortgage

Document Number	37530998
Date	Aug 1, 2018
Book Page	003753/000998
Instrument	32899

Lender

Name	BEACH CMNTY BK
Type	Bank
Address	33 W GARDEN ST, PENSACOLA, FL 32502-5615

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$3,256.00 (+4.73%) Homeowner's exemption	$300,717 (+2.9%)	$339,405 (-2.39%) Land $44,000 Building $295,405
2024	$3,109.00 (+1.67%) Homeowner's exemption	$292,242 (+3%)	$347,719 (+9.61%) Land $44,000 Building $303,719
2023	$3,058.00 (+4.12%) Homeowner's exemption	$283,730 (+3%)	$317,246 (+0.02%) Land $44,000 Building $273,246
2022	$2,937.00 Homeowner's exemption	$275,466	$317,182 Land $44,000 Building $273,182

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 98 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	98 in force
Nearby Flood Claims	236 (1978–2020)
Claims Outside the SFHA	11 of 236
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 42 claims Hurricane Frances, Sep 2004 · 73 claims Hurricane Opal, Oct 1995 · 20 claims

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 69% of the US · above 49% of Florida
Wildfire Likelihood	0.3% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 163 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Mediacom Xtream.

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