4891 Red Oak Dr, Milton, FL 32583 Property Records

Santa Rosa County property record for 4891 Red Oak Dr, Milton, FL 32583

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,527 sqft · built 2020
Lot Size	0.493 acres (21,475 sqft)
Owner	2 Individual Names on File
Last Sale	$330,900 (Sep 2020)
Tax Bill	$3,642 (2024)
Deeds & Mortgages	Sep 2020 Sale & Mortgage Dec 2019 Sale & Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-1N-27-3253-00G00-0160`

Property Details

APN / Parcel Number

Primary APN	`07-1N-27-3253-00G00-0160`
Alternative APN	`N27107325300G000160`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,527 sqft Living Area
Gross Area	3,707 sqft
1st Floor Area	2,088 sqft
Upper Floors Area	439 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	21,475 sqft (0.493 acres)
Lot Dimensions	283 ft deep x 76 ft wide
Garage Type	Attached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	412 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	4891 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 16 BLK G AS DES IN OR 4007 PG 1208
Legal Range	27W
Legal Township	1N
Legal Section	07
Legal Subdivision	PRESERVE (THE)
Legal Block	G
Legal Lot Number	16
Jurisdiction	SANTA ROSA FL
Township / Civil Division	EAST MILTON
Census Block Group	2
Census Block	2019
Census Tract	10809

Owner

4891 Red Oak Dr is owned and occupied by two individuals who bought it in September 2020.

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	4891 RED OAK DR, MILTON, FL 32583-2767
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2020	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage BEACH COMMUNITY MORTGAGE SERVICES I
Dec 11, 2019	Warranty Deed, Construction Loan · Construction Mortgage SERVISFIRST BANK
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	Sep 28, 2020 · Amount on File
Deed Sale	Sep 28, 2020 · Amount on File
Prior Sale	Dec 11, 2019 · Amount on File
Deed Document Number	202049647
Deed Book / Page	4007 / 1208
Prior Transfer Date	Dec 6, 2019
Prior Transfer Doc	0038981389
Record Updated	Jun 8, 2026

September 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Sep 28, 2020
Property Address	4891 RED OAK DR, MILTON, FL 32583-2767
Document Number	0040071208
Book / Page	4007 / 1208
Map Reference	MB 11 PG 93-97
Instrument Date	Sep 25, 2020
Instrument	202049647
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 2, 2022
Title Company	FIRST NATL LAND TTL CO INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,316.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	819 PINEDALE RD, 819, FORT WALTON BEACH, FL 32547-2427

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4891 RED OAK DR, MILTON, FL 32583-2767

Mortgage

Document Number	0040071211
Date	Sep 28, 2020
Instrument	4007/1211

Lender

Name	BEACH COMMUNITY MORTGAGE SERVICES I
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

December 2019: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Dec 11, 2019
Property Address	4891 RED OAK DR, MILTON, FL 32583-2767
Document Number	0038981389
Book / Page	3898 / 1389
Map Reference	MB 11 PG 93-97
Instrument Date	Dec 6, 2019
Instrument	201955710
Transaction Type	Construction Loan
Record Updated	Aug 2, 2022
Title Company	FIRST NATL LAND TTL CO INC

Transaction

Amount	Amount on Record
Tax	$262.50
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	819 PINEDALE RD, 819, FORT WALTON BEACH, FL 32547-2427

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	819 PINEDALE RD, FORT WALTON BEACH, FL 32547-2427

Mortgage

Document Number	0038981390
Date	Dec 11, 2019
Instrument	3898/1390

Lender

Name	SERVISFIRST BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

August 2018: Trustee's Deed, Transfer

Document Type	Trustee's Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Aug 1, 2018
Property Address	4891 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 on Record
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 on Record

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		$348,944 (+2.9%)	$352,365 (-2.4%) Land $44,000 Building $308,365
2024	$3,642.00 (+1.62%) Homeowner's exemption	$339,110 (+3%)	$361,039 (+9.66%) Land $44,000 Building $317,039
2023	$3,584.00 (-5.21%)	$329,233 (+2.27%) Land $44,000 Building $285,233	$329,233 (+2.27%) Land $44,000 Building $285,233
2022	$3,781.00	$321,915	$321,915 Land $44,000 Building $277,915

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

Flood

FEMA maps place 4891 Red Oak Dr in Zone X, an area of minimal flood risk, though there have been 236 flood claims nearby since 1978.

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 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

Wildfire risk around 4891 Red Oak Dr 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	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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